Friday, January 13, 2017

Coping When An Accident Takes You Out Of Work

We might all like to think that we’re one of the lucky ones, but an accident can happen to anyone at any time. When it does, it can be a hugely disruptive force in your life. One of the most frightening ways it can disrupt is by getting in the way of your ability to make money. When you’re injured and out of work, you need to take action. Not just action that will help you get through it financially, but action that will make sure you’re coping with the long-term issues of your health, too.

Make sure you’re getting covered as much as you can
If someone else is liable for your accident, that’s where you need to begin. Proving liability means collecting what evidence you can, recalling details as accurately as you can, and even getting witnesses if possible. If the liable party’s insurance provider tries to dispute you, don’t be afraid to push back. Teams like can assure you when you really have a case. Getting legal coverage for medical costs is only the start, though it is a big one. Make sure you’re looking to your employer, to any long-term insurance you have, and any state assistance that can help you stay financially supplied during your time off work. Prompt medical advice and treatment are essential to informing all these benefits you could get.

It’s time to re-budget
Even if you feel like you’re receiving close to what you would by working, you can’t expect those benefits to last forever. Especially if for some reason you’re not able to return to the same line of work again. Now’s the time to start learning about real frugal living. Create an actual, actionable budget, setting aside savings and essential expenditures, first. If you find that non-essential bills and subscriptions like tech product bills are taking up too much of your money, it’s time to cut down on them. That’s not to say you should get rid of luxury expenditures entirely. It’s just smarter to live a little below your means so you keep more of your money for longer.

Keep yourself supported
Financial troubles can cause stress, but that stress plays but a part of your mental health after an accident. Depression and anxiety are common after-effects as will tell you, and car accidents are one of the leading causes of PTSD. Talking to your doctor or finding specialists can be great ways to find support groups that can give you the emotional and mental resilience to keep things on an even keel. Don’t be afraid to talk to family and friends if you know them to be the supportive type. It’s dangerous to disregard your mental health as trivial. Take care of your mind, as well as your finances. Otherwise, your mental state could be getting in the way of your ability to make the best decisions you can.
The quicker you act to protect yourself after an accident, the better. That way you can focus on getting better rather than having to deal with money stress on top of the impact of the accident.

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