The National Safety Council reported that 62 million injuries occurred in the U.S. in 2021 due to preventable incidents. Experiencing an accident that leaves you unable to work can be a life-altering event.
In the state of Indiana, the impact of such injuries on your employment status and financial stability requires careful consideration and understanding of the available resources.
Communicate with employer
If your injuries prevent you from returning to work, it is important to communicate with your employer about the situation. Discuss the details of your injuries, the expected duration of your inability to work and any possible accommodations that could facilitate your return.
Workers’ compensation options
In Indiana, the state’s worker’s compensation system may come into play if the injuries occurred in the course of employment. Worker’s compensation provides benefits to employees who suffer work-related injuries, including medical expenses and wage replacement. Navigating the worker’s compensation process may require cooperation with your employer and adherence to specific reporting and documentation requirements.
Disability benefits
For those whose injuries are not work-related, exploring disability benefits is a good step. The Social Security Disability Insurance program offers financial assistance to individuals with disabilities that prevent substantial gainful employment. Applying for SSDI involves a thorough review of medical records and an assessment of the ability to perform substantial work.
Public benefits
Also, in Indiana, there is a program called Temporary Assistance for Needy Families. This program helps families in need by giving them financial support. To qualify for TANF, it depends on how much money the family makes and how many people are in the family. The goal of the program is to offer temporary help when times are tough.
If the injuries are really bad and will not get better, the Indiana Vocational Rehabilitation Services could be helpful. VR helps people with disabilities find jobs and become independent through different programs like job training and help with finding a job.
Civil litigation
People in Indiana dealing with injuries that make it hard for them to work might seek civil litigation. This means they could file a lawsuit against whoever caused their injuries, usually through a personal injury case. By going this way, people can try to get money to cover medical bills, lost wages and the pain and difficulty they are experiencing.
It is important to note that the path forward may involve a combination of these resources. Understanding the available support systems in Indiana can aid those facing the challenge of injuries that impact their ability to work and provide a foundation for rebuilding and moving forward.
