It happens all the time
Although you might not have to pay anything for health care, some of the costs associated with recovering from an injury can be very steep indeed. This can include many freelancers or part-time workers who don’t get any kind of sick pay if they’re not able to continue working
As such, you need to look for other ways to protect your pockets and get the money you need to live. Here are a few such options.
Be sure to apply for any benefits immediately
We are lucky enough to live in a country where there is a significant social safety net to help those who fall on hard times. It might not be quite as effective as we want in all cases, but there are at least options you can look into. Universal credit is the most widely applicable for those who fall out of work due to an injury. However, with the help of your doctor, you can also get the proof you need to apply for the personal independence payout (which has replaced the disability living allowance for most people.)
Stand up for your rights
If you have been injured as the result of an accident that wasn’t your fault, then you have a legal right to seek compensation from the individual responsible. It’s not always a sure thing, but the help of a solicitor can offer you the best chances possible of getting the payout that you are entitled to. This is especially true if you’re injured on a business’s property, as they have the liability insurance to pay you off without too much hassle. You shouldn’t have to pay the brunt of someone else’s mistake or negligence.
See if there is help available
Aside from the money that you might be entitled to, if you’re having trouble meeting your household costs because you have been put out of the work then there might be some help available. There is a range of non-profits and charities that can offer emergency financial aid for those who are having trouble meeting rent or those who might have trouble feeding their kids. You should also consider looking at nearby food banks to see if there are any that can help you keep food on the table while you get back on your feet.
Let your creditors know
If you’re heading for a financial emergency as a result of an injury, be sure to talk to your creditors in advance. If you’re in debt, the more leeway and time you give them before you start struggling with payments, the more they may be able to help by reducing payments or even freezing them. If you keep them out of the loop, then they are much more likely to get the collectors involved, and they can be much harder to negotiate with.
Hopefully, the tips above help you deal with the financial stress that can come as a result of an injury. You have enough on your plate without needing to worry about your money, too.
*this is a collaborative post