Can’t Work Due To Health Issues? This Is What You Need To Do

What happens when you can’t work due to health issues? When faced with such, your health comes first. However, you will face money problems with time, especially if your employer doesn’t support you and you are out of your savings. It is vital at this stage to know the various ways you can sustain your life. This article will discuss some ways you can follow up for finances when you are disabled or suffering from health conditions that have left you unable to work. Please note that some ways aren’t applicable in some states, and it’s advised to ask for the same before following up. Here are the things to do. 

• Get a supplemental security income

A supplemental security income, SSL, is a federal Programme that caters to the disabled and other needy individuals, including those suffering from prolonged illnesses. You need to fulfill requirements to qualify for this program, including having fewer resources and no source of income. The items you own must be less than $2000 or $3000 if married. How do you get this help? You have to apply for this program. As discussed at laportelawfirm.com/supplemental-security-income/ the organization will check on your legibility before considering assisting you. However, the process isn’t straightforward. You have to get someone conversant with the process to help you with the application to avoid making mistakes. 

• Get help from your employer

If you had a stable job before the sickness, you might get help from your employer. You can claim the Statutory Sick Pay (SSP) if you meet the conditions. These conditions include being employed, but you can’t work, and if your job earnings exceed $120 per week. All this depends on the state where you are and the amount. Besides this pay, employers have workers’ compensation, where you get paid for a specific time until when the period is over or when you recover from the illness. It is essential to ask the same from your employer. It would help to go through the contract and pinpointing the same to benefit from the compensation. If not, you can check on your workplace compensation and see if you qualify for any benefits as per your sickness. 

• Insurance claims

Do you have some insurance covers? If yes, you can use the same when you can’t work to sustain your life. Some covers continue paying your mortgage or replace your income until when you are fully recovered to work. Some of these covers include critical illness insurance, income protection insurance, payment protection insurance, short-term income protection insurance, and mortgage payment protection insurance. Most of these covers are offered together with life insurance. If you have the same, it would be best to check if your cover caters to this. However, the payment is time-barred. It is essential to make a claim straight away to benefit from it before time collapses. Talk with your agent today and see the benefits you can get from your cover. 

• Contact your electricity and gas suppliers

When you can’t work anymore, and your funds are running out, you can contact your essential providers for help. Most of these service providers give the disabled and individuals who can’t work due to sickness discounts. You can call and inform them of your health condition to see if you qualify for the discounts. With them, you can get free services or discounts, depending on your condition. 

When you inform your suppliers about your condition, they can register you for priority service, offer prioritized emergency call services, carry out free safety checks and upgrades, and protect you from cuts from accumulating arrears. It is crucial doing this at the initial stages to avoid inconveniences that arise when you inform them of the condition when they are disconnecting the services. 

• Get help with charitable grants

If living in an area with community organizations and charities, they can help you settle your bills as you recover. Some non-governmental organizations and charities offer help to the disabled and sick individuals as long as they prove their sickness. They can even supplement your other income to ensure you live comfortably until when you can rise again. Such grants are available according to the union you belong in or depending on what you used to do before you got sick. Other organizations and charities also help particular groups of people, including the elderly, widowed, disabled, those living with HIV, and other individuals with special needs. 

There are many ways you can get help if you can’t work anymore due to health issues. Other ways are getting help from local councils, government help, and much more. You can also get non-monetary support, including emotional support from organizations and local groups. It is essential to talk with experts to see the many ways you can benefit, depending on your condition.