Accidents’ injuries affect people emotionally, physically, and mentally. But what is more important is that they have a significant impact on working life and finances. So, how can one deal with financial issues when injured and unable to work? Read on.
Personal Injury Claim
A personal injury claim is a legal case one opens when hurt by someone else. The case results in the person responsible for the injuries compensating the injured one. Generally, people can make a personal injury claim if they or their loved ones have been hurt in the last three years or less by somebody else, and the injuries led to physical or financial suffering. There are different areas that the personal injury law covers.
- Healthcare malpractice
- Premises liability
- Car, motorcycle, or truck accidents
- Home abuse injuries
Suffering physically and economically because of someone else’s negligence can be daunting. The legal process of filing a case and following it up may be challenging too. But with the help of a lawyer, things can be different. If one is injured in Houston, many experienced lawyers can help handle their personal injury claim cases. These lawyers file the lawsuit, represent the injured in court, and ensure maximum compensation.
Personal injury compensation may cover:
- Hospital bills
- Pain and suffering
- Lost wages
- Loss of life enjoyment
- Emotional suffering
Injured people must seek justice if somebody else’s recklessness causes them pain. This way, the responsible person is held accountable, and the injured gets compensation.
Employment Injury Benefit
An employment injury benefit is a compensation an insured person registered under the Social Security Act receives when they get injured by accident while or in the course of employment or self-occupation. A person with an occupational illness (disease someone contracts at or in the course of their work) is also eligible for injury benefit.
Once someone is fully employed, they qualify for injury allowance from their employer. That’s why employers need to ensure compliance in their workplace to reduce accidents. This way, accidents are minimal, reducing the cost of paying employees injury allowance. Employers pay 0.5% of insurable earnings to the Employment Injury Program.
If a person with occupational illness dies, their survivors can receive benefits. This survivor needs to be a beneficiary selected or registered by the insured. Employment Injury Benefit covers the following:
Insured people are awarded employment injury benefits when unable to work due to work-related injuries or occupational disease. Injury benefit starts the time the accident happened and continues for up to a maximum of 26 weeks (156 collective days), provided the incapacity exists. The daily rate of injury allowance is 70% of the insured average weekly insurable earnings divided by 6. Note that the first three days following the accident are termed waiting days”, hence not paid.
Medical expenses include a refund of travel costs or hospital bills the insured incurred while undergoing employment injury or occupational illness treatment. It’s important to mention that the medical expenses need not be more than what the insured person can handle. The director determines the refund amount.
Disablement benefit is payable to insured people who lost physical or mental abilities due to employment accidents or disease. This type of benefit can be a Pension or Grant.
Pension is paid if the person lost 30% or more of their physical or mental capabilities. The insured receives the pension throughout their life or until the disability ends. On the other hand,
Grant is paid if the insured person loses less than 30% of their physical or mental abilities. Grant is paid as a collective amount.
Constant Attendance Allowance
Injured people with 100% disability and who need constant help from other people may receive “Constant Attendance Allowance .”This allowance equals 50% of the disablement allowance and is paid for 260 weeks from when the disability began. Note that this allowance is not payable if the person is institutionalized.
A funeral grant is an amount given to aid in the funeral expenses of someone who dies from work-related accidents or diseases.
This benefit is paid to dependents of a deceased who died from an employment-related accident or disease.
Statutory Sick Pay (SSP)
Being sick and unable to work may qualify some people for statutory sick pay. A statutory sick pay refers to the money employers pay their employees for all the days they are sick, which they would have otherwise been at work. The eligibility for this pay includes:
- Having an employment contract.
- Being sick for four consecutive days.
- Earning at least £120 weekly.
- Giving prior notice and proof of illness.
Statutory sick pay may equal at least £96.35 per week or more depending on the employer’s sick pay scheme for up to 28 weeks. Note that the first three days are not payable unless it’s a case of self-isolation due to covid-19 disease.
Government Financial Help
Some companies provide their employees with additional financial aid apart from SSP. But if that’s not your case, other institutions may offer financial help. Governments can be a good alternative in providing financial assistance in case of inability to work due to health issues.
They may provide food assistance through various food programs like SNAP, WIC, and school meals, or help with medical and phone bills, among other expenses. In cases of disabilities, the government may help in offering grants, tax credits, and direct payment. Disable people may also be qualified for Personal Independent payment or Universal Credit, depending on their circumstances. Whatever the case, it’s essential to talk to a government official first, who would look at the issue and the government’s relief program, then provide the way forward.
Accidents can wreck your life and make it a roller-coaster, affecting your mental and physical health. What’s more, accidents may affect your finances, relationships, families, and ability to work. So, if you’re having financial issues post-accident, several financial support services can help. Don’t shy off; look for the support you need now so that recovery becomes your priority and focus instead of worrying about money.