Finding Ways to Deal With a Sudden Long-Term Injury

Were you recently injured in an accident or medical event that has left you permanently disabled? Was it because of someone else’s negligence? If so, the other party needs to take on some responsibility. One of the last things on your mind is scrambling around trying to figure out how you’re going to get the funds to pay for your medical care and household bills while being injured. There are resources out there and help is available. Some may be beneficial to your situation, while others may not. Here are some things to consider as you make your way through your journey.

Paying for Private Care

Part of facing a devastating medical setback is that you’ll need some form of assistance with care while you rehabilitate. You may need skilled nursing care or surgery which can be very expensive. If your insurance only offers limited coverage, you may have to seek alternative care. A home health team is a good option, especially if you’re homebound. These services are typically covered under most health insurance plans, but you may have to pay out of pocket for some medical supply items and care. Companies like have an affordable variety of medical equipment and supplies. It’s important that you contract with an agency that accepts your health insurance. Most home health care agencies accept Medicare, Medicaid, and most private insurances. If you’re having trouble paying your medical bills, talk to the agency about grants or payments plans that may be able to help you get the care you need.

Consulting With an Attorney

Do you have an attorney that you consult with for routine legal issues, if you do, that’s great, they may be able to help you with some of your pressing legal issues. If you have a will or other accident plan in place, now is the time for these files to be accessed by your attorney. If you don’t, now is the time to reach out to a reputable personal injury lawyer to help decipher your situation and find out if you have a possible case against the party who is responsible for your medical mishap or injury. If you’re left unable to work or take care of yourself because of this person or company, you may be able to file a lawsuit against them to obtain monetary reimbursement. A good attorney will talk to you or a close family member about the events leading up to your accident. From there, he will decide if there is enough information to form a case. The optimal result should be getting reimbursed for your medical care and a cash settlement for the difference of lost working wages.

Obtaining Disability Insurance

If your doctor has found you’re permanently or even temporarily disabled, you should try to seek ongoing disability assistance for help with medical bills and care. Disability helps to provide some financial and medical support to help you get by with daily living if you’re unable to go out and work. There are two main types of disability, social security disability or SSDI that is a pre-specified amount based on what you’ve paid into disability over the years. The other is supplemental security income, or SSI, in which low-income individuals can qualify based on their assets and income. In most cases, you’ll fill out an application online or in person at your local social security office. Many times you will get rejected and have to file an appeal. You may wish to hire an attorney to handle your case and help you win. Disability won’t make you rich, but it can greatly help you meet your daily financial needs. Other options for disability would be if you have any type of pre-existing short or long-term disability insurance through your employer. You may be entitled to assistance with traveling to medical appointments or monetary reimbursement to help with living expenses and medical bills.

Seeking Mental Health Help

If you’ve been faced with an uncertain future due to a sudden disability, it can be hard on you physically, but what about mentally? Being limited and unable to care for yourself as easily as you once used to can leave you with a lot of frustration and anguish. Reaching out to a mental health provider is a great way to work through any anxiety and depression that you may be experiencing while adjusting to your new lifestyle. It can be difficult enough trying to gain access to your medical supplies and prescriptions to help with your recovery. If you have health insurance, ask your family doctor for a referral to a trained psychologist or counselor who will help you with your emotions. Mental health professionals are also great resources for medical supply companies and other businesses that can help you with the medical equipment and home upgrades that you’re in need of.  

Coping with an illness or injury isn’t easy. Reaching out to specific agencies can help give you some direction on what step to take next during your recovery process.

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