A workplace injury can have long-term implications and consequences. Not only do they result in physical suffering, but can take a mental and emotional toll, too. This is especially true if you can no longer work and are struggling to think of how you’ll bring in some extra income. Contrary to what many people believe, you don’t always have to resort to borrowing money online. Fortunately, there are several different approaches you can take. Here are a few tips for getting money after a workplace injury:
Long Term Disability Coverage
Long term disability coverage is available to those who are injured, sick, or disabled and cannot return to work for an extended period of time (learn more about rearranging your finances after a disability here). Most larger companies offer this through private insurance companies (not to be confused with unemployment, which is offered through the state).
Generally, long term disability checks are paid in monthly installments and cover anywhere between 50% to 70% of your normal salary. However, it’s important to understand that your disability coverage depends on your coverage and benefits plan. And furthermore, it can take several months for the coverage to be approved (although you’ll receive a lump sum in the first payment for payments missed during processing times).
There’s plenty of grey area when it comes to unemployment, so it’s common to be confused on the topic. In most cases, unemployment is offered when an employee is let go from the job for reasons other than in injury. However, there are some cases where injured employees can actually collect unemployment and disability payments. This is common if your insurance policy has an “own occupation” clause. With this policy, you are technically able to collect unemployment if your medical records prove that you are, in fact, able to work—just not in the same position that you held previously.
“There are many cases where individuals are physically able to work, but not in the same capacity they’re accustomed to,” says fightingforyou.com, a New York-based legal team that specializes in vehicle truck accidents. “For example, if a truck driver gets injured on the job, they may be able to work in other positions, however, due to a back injury, may not be able to return to their position as a truck driver, where they sit upright for long periods of time.”
Talk to a Lawyer
If you’re not sure about the various ways you can collect money after you’re injured on the job, you should speak to a lawyer. Many legal practices offer free consultations to help you learn more about whether you have a valid case on your hands. Insurance policies are complicated, with plenty of fine print to confuse even the most competent of people. Lawyers—especially those who specialize in personal injury—can help you decipher that fine print into something meaningful.
Lawyers can also help you determine if you have a lawsuit on your hands, which can bring in even more income. There are plenty of situations happening across the country on a daily basis where a personal work-related injury occurs because the employer was negligent. For instance, perhaps your employer is a manufacturer that doesn’t follow state safety laws, and a result, you were hurt while working. You could be entitled to thousands—or even million—of dollars.
Freelancing allows you to work remotely and bring in some extra income while you’re unable to work. All you need is dedication, a computer, and an Internet connection. If you’re collecting disability, worker’s comp, or unemployment, you can practice a skill or hobby that makes you happy, and one that you’re passionate about. Whether you like to write, design, or decorate, you can make it happen with freelancer platforms like Upwork and Fiverr. Be creative with your talents.
File for Workers Compensation
When you’re hurt on the job, you can receive workers compensation benefits. These benefits provide some of your wages, as well as pays for some medical bills. In exchange for this extra level of protective benefits, however, you do lose your right to sue an employer—in most cases. There are a few instances where you can still sue outside of the workers compensation system. Generally speaking, however, you must already be covered by workers compensation.
The majority of American workers do pay for this, and are legally required to (it comes straight out of your check) even if they aren’t aware of it. Some employers buy their own workers comp if their employer doesn’t offer it. Still, there are some workers who don’t qualify. This includes domestic workers, like housekeepers and nannies, agricultural workers, seasonal workers, and undocumented workers.
Consider Remote Jobs
Similar to freelancing, there are plenty of remote positions available, especially in today’s day and age. Just because you have an injury doesn’t mean your resume and skills have become depleted. In fact, remote employers would likely see your willingness to continue working/pursuing a career after an injury as a symbol of your dedication. You can search for remote jobs online, on or on remote-specific job sites like Remote.co.
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