Integrated Family Community Services 3370 South Irving Street, Englewood, CO 80110-1816 Ph: 303-789-0501

How Can You Provide for Your Family When You Get Hurt?

No matter how careful you try to be, you will most likely experience at least a few major injuries over the years. If you happen to be the main provider for your family, then one of those injuries could be devastating to your finances. These five tips will help you provide for your family while you are injured without digging into your retirement funds.

Start an Emergency Fund

Even if you have excellent insurance, you should still start an emergency fund. Stashing a little bit of money away every month will add up quickly, and the extra money could be just what you need to pay for groceries or any other bills if an emergency takes place. At the very least, your emergency fund should be able to cover all of your expenses for three months.

File a Workers’ Compensation Claim

If you are hurt at work, you could be eligible for worker’s compensation. Each state has certain requirements that you have to fulfill and deadlines that you have to meet in order to be able to claim worker’s compensation, so in addition to reporting the injury to your employer, you should report it to the correct agency as soon as possible. Your employer should give you the information for reporting, but you can also find the information online. Even if you file everything properly, your company may try to avoid paying you properly. If that happens, contact a lawyer who has worked with worker’s compensation before.

Explore Other Insurance Options

Depending on how you were injured, you might be covered by one of your insurance policies. Even if the injury took place on your property, your home insurance could cover some or all of your expenses in the coming weeks. If you get hurt in an accident or at work, you could be covered by the other party’s or your company’s insurance. Talk to your insurance before you seek treatment to see what they can help with.

Emergency Options

There are a few different ways to stay afloat if all of your other options have been exhausted or you are waiting for a check. Keeping an emergency credit card with a low interest rate is a good option if you only have a few expenses to cover. You can also talk to your bank about getting a short-term loan to cover the immediate expenses. If possible, avoid payday advances and car title loans. These loans have incredibly high interest rates and are very unforgiving about payments.

One of the biggest mistakes that you can make after an accident is ignoring your injuries and the complications that they may cause. No matter what you decide to do at a later time, you should always seek out medical attention right away to prevent long-term problems.


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Tim Esterdahl

Tim Esterdahl is the editor of IFCS blog. He is a married father of three and enjoys golf in his spare time.
Tim Esterdahl

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