Often individuals find themselves disabled due to the negligence of another such as a car wreck or truck accident. Just over 1 in 4 of today's 20 year-olds will become disabled before they retire. [1] People often do not think about what will happen if they become disabled. Although we may have all seen the Aflac commercials about payment of bills when you can’t work; the bulk of us do not take precautions to protect ourselves in the event of a disability.
Some people have disability insurance through their employer. This insurance should cover a portion of their income if they were unable to work for an extended period. But self-employed business people, especially those whose expertise is the financial lifeblood of their business, such as physicians, dentists, attorneys, consultants, have two problems if they are disabled: one, replacing their lost income, and second, keeping their business afloat during their recovery. These individuals would need to purchase private insurance to cover the losses and business overhead while they are disabled.
Personal Injuries can lead to Long-Term Disabilities
Personal injuries can leave a person disabled and unable to work. Victims of the following acts of neglect can often find themselves unable to work for extended periods.
- Medical malpractice
- Motorcycle accidents
- Car wrecks
- Truck or 18 wheeler accidents
- Workplace injuries
- Industrial accidents
If they are not fortunate enough to have disability insurance or some other form of benefits, they and their family will shoulder the burden of lost wages and medical costs. Bills can pile up leading to bankruptcy or other financial hardships.
These individuals may not have had the financial ability to save enough money to cover their mortgage or rent, utility bills, cell phone bills, the cost of groceries, and everyday living costs. They also likely rack up medical bills to cover the cost of their care, cost of future care, physical therapy, medications, and expensive medical supplies that they need for their recovery. Additionally, most people do not save money thinking they will need it when they become disabled as a result of someone else’s neglect.
If these victims do end up in a lawsuit, it is important that their attorney seek compensation for all of their harms and losses, including the mental anguish of worrying about feeding their family when they should be worried about recovering. Should you or a loved one become disabled due to medical malpractice, a car accident or truck wreck, contact Chelsie King Garza for the help that you need.
