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Injuries are always on the hunt for you.
You could get injured in a road accident, whether you’re a motorist or pedestrian. You can get injured at work. In fact, more than 2.5 million people get injured at work every year. You can also get injured playing your favorite sport or working out in the gym.
In addition to causing you pain and sending you to the emergency room, injuries can keep you out of work for some time, for a long time, or even for good. And that potentially means a loss of income.
When you’re injured and unable to work, there are things you can do to ensure you don’t make life more difficult. Read on to find out what they are.
Don’t Force Your Way Back to Work
When your work is your primary or sole source of income, it’s natural to want to resume work as soon as you feel better. You could even want to work through the pain.
Sure, income is important, but forcing your way back to work can make things worse. You could enhance the severity of the injuries – a situation which will ensure you spend more money on treatment. Or it will take longer than expected to heal.
So, you could think resuming work is a functional decision, but it will cause you more pain and cause further damage to your wallet.
If you’re in formal employment, take a medical leave of absence. If you’re self-employed, request a friend or close relative to run the show. For what it’s worth, it’s much easier to give directions to a stand-in business caretaker, than it is to physically handle things.
Keep Accurate Medical/Treatment Records
Some injuries can affect your mental health, such that you’re unable to think or reason properly.
In this case, you can only hope your doctors and family members properly maintain your medical records – and they typically will.
If your injuries don’t affect your mental functioning, however, be sure to keep accurate records of your treatment. This includes everything from diagnosis reports to payment receipts.
If you had personal injury insurance before sustaining your injuries, you’ll need these documents to file a claim and get the compensation you deserve. The Internal Revenue Service also allows you to deduct certain medical expenses from your income taxes. To verify the validity of those deductions, the IRS will need your treatment records.
Don’t File a Workers Compensation Claim Without a Lawyer
It’s easy to see why most victims of workplace injuries file compensation claims without the input of workers comp lawyers. Lawyers cost money, and this is a time when you need every penny to yourself. Also, many victims trust that the employer and his insurer have the best intentions.
Well, insurance companies are in the business of making money. It’s (often) in their best interest to pay out as little as possible to claimants. That’s assuming they won’t flat out reject your claim.
When you’re unable to work and need to file a compensation claim through injured workers law firm Foyle Legal, the smartest thing you can do is to hire a lawyer to do the work on your behalf.
If you don’t have the money to pay for legal services, look for lawyers who will only charge you after your claim is paid out.
If you’re a self-employed person with personal injury insurance, you don’t’ need a workers compensation lawyer. You need a personal injury lawyer.
These lawyers will help determine the value of your suffering, and file a solid claim that will get you adequately compensated. If the claim is rejected, it’s the lawyer’s job to pursue the next cause of action, such as suing the insurance company.
Be Careful with What You Post on Social Media
Social media has revolutionized how we communicate. A single Facebook or Instagram post is enough to tell the entire world about your state of being.
After sustaining an injury, you might want to go online and share the information with your friends and family. One thing: be careful with that you post.
Let’s say you were out skydiving, landed awkwardly and broke your legs. After receiving treatment, you post all the details of your injury and on treatment, and perhaps ask your friends to keep you in their thoughts.
Oh, how so good of you!
Yet, you have a personal injury insurance policy that says you cannot claim compensation if you’re injured when doing high-risk activities – such as skydiving.
You could have had all the best intentions when posting, but did you know insurance adjusters have a habit of checking the social profiles of claimants?
If your insurance company establishes that you injured yourself while skydiving, bingo! Your claim will be rejected immediately, and you could be sued for trying to defraud the company.
We’re not advocating for dishonesty, but it helps a great deal to be cautious with social media posts, especially if you plan to file an insurance claim.
Go Back to Work When You’re Fit to Work
It’s not always that an injured person wants to go back to work when they have not recovered from their injuries.
If your employer is generous enough to keep you on the payroll for as long it takes you to recover, you could be tempted to stretch the generosity. Anyway, who wouldn’t want to stay home and keep cashing the checks?
Don’t do that.
In most states, you’re legally required to go back to work once you’re fit and healthy. Failing to report to work after recovery is akin to whisking more harm. You could be fired, for instance.
When You’re Unable to Work, Don’t Make Things Worse
Injuries are an ever-present threat to our wellbeing. In the unfortunate event that you’re injured, it helps to make smart decisions. First, seek treatment. Second, don’t go back to the office if you’re unable to work. Third, seek compensation.