When You Need Time To Heal – How To Cope Financially After An Injury

Life is full of surprises, but sometimes they can be quite unpleasant. Illness and injuries that occur can leave you in pain and in need of a lot of rest. This is almost impossible when you have children to care for. When you’re a lone parent, it makes it extra tough. After all, none of us likes having to ask for extra help from friends and family. But this can be the only way to make sure you can get back to full strength as quickly as possible.

Of course, all of this is much easier when you have a permanent form of employment with a reputable employer. You might start with a few days of sick leave on full pay. Then you can begin to take advantage of any sickness benefit they might offer. Perhaps taking your annual leave will keep the cash rolling in? Most importantly, all your other benefits such as your pension and entitlements will continue to be there.

Kids get injured all the time and manage to bounce back. It’s not so easy for adults. So what happens when, like many moms, you can’t continue working for yourself for a while? We all know when we’re self-employed that no working means no money is coming in. It’s impossible to cover the rent, the electric or even the food bill without that important income. What can you do?

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Start by taking copies of all your medical documentation. This could include medical notes from your doctor and claims or invoices from your health care provider. Was the injury you’ve sustained caused by someone else’s negligence? You could consider making a claim against them to cover these expenses. And if your work files and returns are in order, your loss of earnings may also be claimed. Websites like www.bchfirm.com will explain how this works, but it is important to start early as it can take a while.

If you are self-employed, or even if you’re not, it can be a good idea to put a sum away in a savings or insurance scheme to cover situations like this. You can then cover the bills you currently owe. Once they’re clear, you may need to adjust your lifestyle to live more frugally for a while. It’s not fair that you have to do this, but sometimes it is the only way to survive financially. The last thing you need is debt that you can’t pay in time.

Are you able to tackle any of your usual work duties while you are recuperating? Perhaps you can work from home for a few weeks? This keeps you on full pay and could help a lot with your mental and emotional well-being too. If you can’t perform your regular duties, perhaps your employer can provide lighter duties so you don’t miss out on your wage? If you’re stuck at home, why not try to pick up some work from home jobs for a while?

Injuries happen when we least expect it. But if you can prepare for it by having savings or insurance in place, you will be better able to cope with the financial pressures. Don’t be afraid to ask for help with the kids and even your cleaning. After all, that’s what friends and family would offer to do for you anyway. Get well soon.

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