4 Money Management Ideas to Employ When Injured and Out of Work

When you are injured and out of work, your finances will quickly take a big hit. Being out of work usually means having no health insurance, which further compounds your financial distress. 

These four money management ideas offer some help so that you can stay on your feet for as long as possible.

Applying for Worker's Compensation or Unemployment Benefits

If you were injured on the job, contact human resources and find out if you could qualify for worker's compensation. If you were let go because of your inability to do the job, find out if you could receive unemployment benefits. If your employer is uncooperative, consider a consultation with a worker's compensation or disability attorney.

Receiving a Personal Injury

Receiving a personal injury can be an overwhelming experience. You might feel frustrated, stressed and worried about what the future holds. Professionals, like those at D Chadwick Calvert Law Office, know that you should be sure to make the most of the insurance benefits that you have. 

Counseling may also help you to get through the experience of receiving a severe injury and loss of your job. You may also find a free support group in your community.

Cutting All But the Essentials

If your disability payments or unemployment benefits run out or never pan out, you could quickly run out of money. 

As soon as you are out of work, cut all but the essentials. Even if it means that you have to cut out the cable TV and other fun stuff, you can survive without it. Stick with the essentials at the grocery store and cut back wherever possible.

Find Work to Do from Home

There are only so many expenses that you can cut. At some point, you will have to be bringing some money into your bank account. Consider whether there is work you could do from home, even with your injury. 

Keep in mind that if you start working before a disability determination is made, the work could disqualify you from being eligible for the benefit. Some work options to do from home could include tutoring, sewing, dog sitting, house sitting or medical transcription.

When you are injured and out of work, take advantage of all of the resources available to you. Attorneys offer free consultations, and government employees at the disability and unemployment offices may be able to link you with community assistance. 

Focus on getting better and developing some new technology-oriented employment skills that could help you to find work that you can do as you recover.

How to Know When You Should File for Personal Injury

It’s easy to turn your nose up at the concept of filing a personal injury claim after suffering an injury, but just because this practice is sometimes abused doesn’t mean it isn’t valid. Sometimes in life, injuries happen and affect your life and through no fault of your own, you earn less or can’t do some of the things you used to do.

Filing a claim can be a long and exhausting process, mentally tough, emotional, especially when trying to heal physically at the same time. That’s why you need someone who has experience in the industry to help you decide not only when to file but how to go about making it happen.

Common Areas

Some of the more common areas of personal injury law include:

• Brain injuries
• Spinal cord injuries
• Motor vehicle accidents
• Long-term disability
• Slips and falls

And within these areas of injury, you may be looking at more specific incidents, such as:

• Car, truck and boating accidents
• Amusement park ride accidents
• DUI accidents
• Medical malpractice incidents
• Dog bites
• Construction site accidents
• Workplace accidents
• Accidents on private property

How It Generally Works

Usually, it all starts with an accident of some sort and an injury. The injury may be minor or major, but it happened because someone else did something they shouldn’t have done. That “something” can vary greatly, depending on the details of the injury.

They may have driven after having a few drinks, forgotten to shovel their sidewalk, let their dog roam around without a leash or prescribed the wrong medicine for a particular ailment. Once the injury is suffered, the victim will contact a personal injury lawyer and tell their story.

Then, the lawyer will lay out the options, whether he feels the case is strong and outline the best way to proceed. Sometimes, a settlement is reached out of court and sometimes the case must be settled in court. 

Following Advice

Since the top personal injury lawyers have experience in the industry and in the area you suffered the injury, it makes sense to follow any advice you’ve been given. Your lawyer will know who can sue in your area and what conditions must be present to get a decent settlement or any settlement at all.

Any reputable lawyer will do everything by the book and won’t be the stereotypical “ambulance chaser” type of personal injury lawyer. Suffering an injury out of the blue through no fault of your own is terrible.

Not only will there be medical costs, but you may not be able to earn in the same capacity. You deserve someone to take responsibility for your injury, so don’t feel ashamed about seeking out legal help. Make your claim and do what your lawyer says. Sometimes, you may receive a settlement and still be out some money after all the medical and legal costs. No one plans to get injured or wants an injury, so don’t feel bad about doing something about it.

Author Bio:

The author of the article is Jeremy Benson. He has been writing about finance, mortgage and law since 7 years. Blogging is one among his greatest passions. Follow him on Twitter@jeremybenson19.

Image Source: www.shutterstock.com

Over Fifty and Had an Accident at Work?

If you're over fifty and you've recently had an accident at work there are several people you should think about talking to in order to see if you are entitled to any compensation for your accident.

Accidents come in all shapes and sizes in the workplace, and unfortunately when making any individual case, regardless of your age, what you may or may not receive in the form of compensation is never a cut and dry issue. There are a vast number of points to be considered first – all of which can make your claim drag out for much longer than you would have originally considered it could. With that said, if you win your case the time spent on it will invariably be worth it, so if you believe your accident entitles you to financial aid, you should get in touch with a solicitor today to get the ball rolling.

When you get in touch with a solicitor they will ask you a number of questions about the event in question to try to find out who was to blame for the accident, and, if your employer, what your chances are of winning your case against them. The specifics that will need to be uncovered from these questions are:

If Your Employer is Negligible

This is the most critical part of your entire claim. If your employer admits they were liable from the very beginning then the whole process will be significantly easier for all involved, but if they don't, you're going to have to be able to prove employer negligence in order to have any chance of winning your case.

In the vast majority of cases, especially when it comes to employees over fifty, employers will admit negligence right away if they see this to be the case. Though they, of course, won't look forward to the prospect of handing out compensation, they will see that the fault is on their side and they'll have to work harder in the future to ensure it doesn't happen again.

Even if certain employers don't admit their negligence right away, often their legal team will put them straight on your behalf, pointing out the consequences of not giving into the claim quietly.

What the Extent of Your Injuries Are

It need to be remembered that your age should not be a factor in favour of your employee in this situation.

Simply put, they can't argue that because you're over fifty your injuries were greater than they would have been if you were in your twenties; as you have a legal right to work the position you were employed in, and they had legally hired you in that role (assuming that all to be the case).

When getting in touch with a solicitor for the first time they will send you to a medical expert both to get an accurate assessment of the injuries causes by your accident, as well as arrange for any treatment necessary if you're not currently receiving it. Once this is complete, your work accident solicitors will send these findings to your employer as evidence to your claim, asking them to respond in a certain time period. Once they have responded, either accepting or denying liability, you and your solicitor can move onto the third and final stage.

The Level of Compensation You Ask For

The level of compensation you ask for will depend entirely on whether or not your employer has accepted liability for your workplace claim or not. If they have, there's a good chance they have given you a compensation figure they will be willing to pay you for the matter to go no further. You can either accept or deny this figure. If they've yet to give you an offer you can make the first move, working with your lawyer to come up with a compensation amount that's fair based on your injuries.

Once a figure has been agreed upon, you will be able to use the compensation to help pay for any special hospital bills that have come up along the way, as well as to compensate yourself for the time you've had to spend off work.

In conclusion, if you're over fifty and you've recently had an accident at work there are several people you should think about talking to in order to see if you are entitled to any compensation for your accident.

About the Author:
Russell Worth Solicitors is one of UK's leading personal injury claim legal firm. Their work accident solicitors are members of the prestigious Law Societies Personal Injury Panel and the Association of Personal Injury Lawyers.

How to Deal with an Accident Abroad that Wasn't Your Fault

Accidents Will Happen (Photo credit: elycefeliz)

Being involved in an accident whilst abroad can be a really traumatic experience. The experience is even more difficult to deal with because you are so far away from home. Accidents whilst abroad bring much confusion with insurance to deal with, different laws, and language barriers. Regardless, if you have been injured whether physically or psychologically due to someone else’s fault or neglect, then you need a little understanding to make the circumstances a little more bearable. You can get this information and the advice you need from experts back in the UK without complication.

If you are involved in an accident abroad, then you will probably want nothing more than to get home as quickly as you can. Whatever you do, make sure you record anything and everything to help you when you get home. You can get advice from the experts as to what to do next and focus on your efforts on a speedy recovery.

The key to effectively dealing with your personal circumstances is to contact a personal injury solicitor. Initially, you might be focused on getting home and will probably want to avoid any hassle if you can. This is where the experts can help; getting a hassle free service is simply a case of finding a reputable company to represent you and take on your case. If someone else is responsible for your injuries in whatever way, then why shouldn't 

 you get the compensation you deserve? You can get the best help ensuring you recover as quickly as possible, and that is the most important thing.

An accident abroad can have a happy ending; as strange as that might sound. If you can recover as quickly as possible and recover any lost earnings for example, then at least you can get back to full health and get back to your day to day routine as quickly as possible. Personal injury solicitors can take on all the legalities and hassle for you so you can completely avoid any stress that you would prefer not to be involved in. They can also offer their expertise and advise you on whether or not your claim is worth pursuing. They may even be able to give you an indication of how much compensation you can expect.

Personal injury lawyers have the expertise to help you deal with an accident abroad that wasn’t your fault effectively. If its money you are concerned about, then you can even consider a ‘no win no fee’ option. These options are designed to ensure you get 100% of the compensation awarded to you. The idea is that your representation will claim their fees from the opposing party. Again, the deal you get here depends in the company you choose; always look into the detail to make sure you are getting the service you expect and don’t be afraid to ask questions along the way.

Dealing with an accident whilst abroad can be really scary. It’s not nice to be involved in an accident anyway, but when you are so far away from home it can be traumatic. Get the help and assistance you need for a speedy recovery with a reputable personal injury solicitor.