Getting hurt on the job is a sad reality for too many employees. Even worse, that reality can make it hard for many to keep paying their bills on time while they recuperate. If you find yourself in such a situation, you might want to look at the following ways to keep up with your bills.
Look at Deferral Options
While it’s not ideal, it may be possible for you to defer some of your bill payments until you are back up on your feet. While not every creditor will allow you a grace period, there are many who have programs in place for those who are temporarily out of work. If you can’t find information about the program online, you may want to ask your creditors about what you can do to keep up with your payments. The worst thing that can happen is that you might get a negative answer, so taking this gamble can’t result in things getting worse.
Look at Temporary Assistance
It may also be a good idea to see if your state or county offers any kind of temporary assistance for those who cannot work due to an injury. While social security injury aid is unlikely to help with a short-term injury, you may be able to file for some kind of unemployment compensation until you are able to get back on your feet.
Talk to a Workers’ Compensation Attorney
If you were injured on the job, it may be your employer’s responsibility to help you financially through your recovery. Talk to a workers’ compensation attorney about your case to find out if your employer did everything they were supposed to do and if they owe you any further support. In many cases even the owner of a business doesn’t know their own liabilities, so the help of a trained professional will help you figure out what to do next.
Consider a Loan
If all else fails, a personal loan may be your best option. This is generally only for those who know they will be back to work soon, as failure to pay these loans off on time can lead to incredibly high interest rates and further financial difficulties. While most of these loans are far from ideal in how they are structured, they may be the best way to keep a roof over your head when you are hurt.
It’s always good to explore your options if you can’t pay your bills. Talk to your creditors, your employer, and even an attorney if necessary. You may find that there are more solutions out there than you had assumed.