It’s never fun to get injured, but all the resulting repercussions can negatively impact many areas of your life, including being able to work. Being forced to stop working due to an injury can be a big blow financially, in addition to the toll it takes on the other areas of your life. If you are in this situation, there are some ways you can seek help.
File a Workers’ Compensation Claim
If an injury has forced you to stop working, the first step you should take is to file a claim with your workers’ compensation insurance. This can help cover medical costs related to your injury. You should talk to your employer as soon as possible, then ask them to give you a workers’ compensation claim form. Your employer will then submit your claim to their insurance provider.
Before approving or denying your claim, the insurance company will conduct an investigation. If your claim is approved, you’ll start receiving benefits. Even if the insurance company denies your claim, you have the right to appeal. If this is the case, you should speak with a lawyer as soon as possible.
Apply for Disability
In addition to filing a workers’ compensation claim, you should apply for Social Security insurance benefits. When you apply for disability, you will be interviewed by a Social Security representative—this will take at least one hour. You can save time by starting the application process online, although you will still need to keep your appointment with the Social Security representative.
In order to be found disabled by the Social Security Administration, you must be unable to do any substantial work because of your injury or medical conditions, and your medical conditions must have lasted, or be expected to last at least one year, or be expected to result in your death. The amount you receive from the Social Security Administration will depend on your average lifetime earnings.
Talk to a Professional
A good support system is essential when you’re going through a medical crisis. Talking to a professional can help you make a plan for how to cope with your current injury. There are many different professionals you should consider talking to. Speaking with a job coach can help you make a career plan. Consulting with a lawyer will help you know your rights and navigate the process of applying for workers’ compensation and disability. Getting the help of a financial consultant will allow you to protect yourself financially as much as possible.
If you are forced to stop working due to an injury, take heart. Filing a workers’ compensation claim, applying for disability, and talking to a professional are three ideas that can help you get started on the process of healing and recovery.
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