Injuries can occur anytime, but when it occurs during work hours, it becomes a work accident. This accident can have a physical, emotional, and financial impact on the employee. The employee may have medical bills to pay, lost wages, and other expenses that may result in a stressful and difficult time. Wages are typically relied upon to pay for bills, groceries, and overall living expenses, so it is understandable that getting your wages after a work accident is essential. In this blog, we will discuss some ways to get your wages after a work accident.
Workers’ compensation is the first way to get your wages after a work accident. When you have a work-related injury, you may be eligible for workers’ compensation benefits which can cover medical expenses, lost wages, and other related costs. Remember that worker’s comp does not cover pain, suffering, or other non-medical costs. So it’s best to discuss your options with a work accident lawyer, as an experienced lawyer can also assist in gathering evidence of your injury and establishing a strong claim for obtaining your benefits.
Disability insurance is a type of insurance policy that can replace a portion of your income if you can’t work due to a work injury. It is essential to check with your employer whether you have disability insurance. If so, you can apply for these benefits to cover your lost wages due to the work injury. The disability insurance application process can take a while, so it is best to apply as soon as possible.
Short-term disability is a benefit that covers injuries outside the workplace. Typically, short-term disability policies cover a percentage of the employee’s salary for up to six months, depending on the policy’s terms. If the workplace injury does not allow you to perform your job duties temporarily, short-term disability is an excellent option to replace your lost wages.
State Disability Leave
Some states allow employees to take disability leave from work, free from disciplinary action and potential termination, for work injuries. These leaves may be paid or unpaid, depending on state laws and employer policies. It is essential to consult with your human resources department or state law to determine your eligibility to receive your lost wages.
Personal Injury Claim
Personal injury claims are legal suits that employees can file against the employer or a third party responsible for the accident. The employee can recover lost wages, emotional stress, and hospital bills through a lawsuit. This is typically a more complicated and lengthy process, and it is best to seek legal assistance to ensure that your claim has the best chance to succeed.
Getting your wages after a work accident is a significant concern for many employees. There are several options to recover lost wages after a work injury, including workers’ compensation, disability insurance, short-term disability, state disability leave, and a personal injury claim. Knowing your rights and exploring all options is essential to receive fair and just compensation for your work injury.