Your whole adult life, you plan for emergencies. You plan a savings account to back yourself up if you need it for rent or utilities when times get tough. You plan for a retirement account for when you finally take a step back from working in the office. All this planning is done to make sure that you have a cushion for when things either go wrong in life, or change. The trouble comes when the unexpected happens and you aren’t quite covered enough financially or emotionally to cope with it. When things change abruptly, the two casualties after your physical body are your mental state and your financial state. Both of these are up in the air, because the unexpected doesn’t mean you have a troubled time and carry on as if nothing has changed. Sometimes in the event of an accident or injury, everything changes.
Being in in accident or finding yourself out of work can cause havoc on your finances and the idea of having to plan for the aftermath of an accident or redundancy can feel relatively morbid! Getting into trouble with an accident usually means that the first thing you think about is recovering from injuries. You don’t immediately think about much more than the pain or medication, and even having to think about health insurance and medical bills can feel like too much to deal with at once. The thing that you have to remember is that your recovery from an accident is more than just about the physical recovery. Once you have healed on the outside, you have to work on your mental and emotional health as well as your financial health, which an accident can greatly affect. When it comes down to it, the medical care you receive isn’t the end of your recovery, and you have to know what to do next. We’ve put together some ways you can help yourself to recover fully from the aftermath of injury caused by accidents, in the hope that should you ever find yourself in a position of needing extra care, you can manage.
Going through an accident, whether that’s at work or on the road, is traumatic. Sure, the injuries you may have picked up may be superficial or they could be more worrisome, but the lasting effects are not often the ones you find on your bones or skin; they’re in your head. Post-traumatic stress is very difficult to deal with, and if you have been in a car accident, then you could even find it difficult to get back into a car for a while. Emotionally, an accident affects the way you view a situation, can tear down self-esteem and self-assurance and make you feel extremely panicky about the general world around you. Flashbacks are the norm after a trauma, but it doesn’t make it any easier to deal with.
After a traumatic time, you experience shock straight away. This is the brain’s natural way of protecting you from your own emotions. Sometimes the shock dies away gradually, but there are times where one day you’ll feel just fine and then the next your accident will come into sharpened focus and your world will feel like it crashes down. The unfair result of what you are going through could prompt you to contact personal injury lawyer Kate Stebbins, as compensation will be something you could claim in the aftermath. Contacting someone to help with compensation after an accident may feel overwhelming, but you have to think about how your injury has affected and changed your life and go from there.
Anxiety often rears its head after a trauma, as the fear of being back in that situation can consume your thinking. Seeking professional help is usually the answer when it comes to anxious feelings, but the problem there is that your financial situation after an injury may prevent you from getting the help you need. This then sinks you into a cycle of not knowing whether you can get the help you need at all, and thus never recover from the anxiety fully. There are some techniques such as these that you can do at home to help anxiety after trauma, but ideally professional help is the best route to go down. It’s simply one of the ways that you can be financially troubled after an accident.
We’ve mentioned planning for the unexpected in life, but what can you do if your life has been dramatically changed after an accident, and you cannot work for some time? Savings only take you so far, and you need to be able to plan your outgoings with very little incoming. You may have to contend with medical bills, as these are the most obvious cost of an injury. The severity of your injuries will often dictate how badly your finances will be in the future and life changing injuries can mean you never go back to work at all. Accidents come with transport to hospital, scans, tests and time to recover and none of that is cheap, even with a solid health insurance plan like these. You also have to factor in how much of your wages you will lose if you have time off work, which can end up affecting your career altogether.
Finances often become difficult after an accident and recovering your finances means you need help. Compensation after an accident can help, alongside government benefits like these to support you while you get through the trauma. No one likes to rely on family or friends after an accident, but you shouldn’t feel ashamed if it comes down to that. People always want to help and relying on them means that you have a good support system who are with you through anything. This should help your emotional health as well as prop your finances immensely. Pain and suffering after an accident isn’t easy to quantify, and so you can’t truly tell how long it will take you to recover physically, mentally and financially after a traumatic time.
There is a finite amount of time you could take away from the workplace before your employer has had enough and can’t keep your job open anymore. Of course, you legally cannot be fired for being in an accident, but there will be a period of time that you can take to recover and if you go beyond that time your employer may have no choice but to replace you. When you can finally go back to work, you may have to take reduced hours due to rehabilitation of your injuries and other physiotherapies. The simple fact is that no matter how prepared your finances are, recovery after an accident can be extremely difficult.
Life-changing incidents that result in injury do not just refer to the time spent in hospital or away from work. These incidents affect you long term effects can last for years, and even with therapy you could find yourself in dire straits when it comes to your lifestyle. You will have been accustomed to a certain way of living, as well as a certain comfort within your own mind. Traumatic accidents and injuries can displace you and that recovery takes a long time. Physical recovery is always hard, but life in the after of a trauma is always harder to cope with than bumps, bruises and broken bones.