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How to Look After Yourself After a Workplace Injury

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Following a workplace injury, particularly an incident resulting in you needing to take extended time off work, it will be necessary to look after yourself; to both recover in body and mind, and to manage your change in circumstances on a more practical level.

This brief how-to guide will give some guidance on taking care of yourself post-injury; physically, mentally, and financially.

Physically

For physical recovery, the most important, and likely the most obvious, thing to do is make sure you follow the guidance and advice given by your medical practitioners.

  • Make sure you take any medication prescribed and avoid any strenuous activities as advised, such as heavy lifting, or sports
  • If receiving physiotherapy for injuries sustained, then be sure to complete all home exercises designated to your recovery process
  • As well as the to-do’s, make sure to abide by the do-not’s, such as avoiding alcohol, certain foods, or smoking, for example. In addition to the physical implications, this can also have legal ramifications, such as driving while on pain medication, following surgery or while incapacitated, voiding motor insurance

As well as following medical advice, it will be necessary to take your injury, and any long-term implications of it, into account when preparing to return to work:

  • Can you carry out your previous role without causing further injury, if not then a new role should be found or created to allow you to return to work safely
  • Do not return to work before you are sufficiently recovered enough to do so

This can be challenging to stick to as it can be frustrating to wait, and can also be a cause for anxiety and stress if it is having an impact on your finances.

Mentally

Being injured and restricted is likely to be an upsetting and anxiety-inducing time for you. It adds additional pressures to families and relationships and can have a detrimental effect on your mental wellbeing.

  • Seek external assistance if you find yourself struggling to cope. Therapy can be a great way to unload your emotions and is not a sign of weakness or failure.
  • Accept help from family and friends and be sure to communicate. You are not a burden to them, and they want to support you, but they cannot do this if you don’t tell them what you need.
  • Practice meditation, yoga, or other therapeutic, relaxation techniques. Find time in your schedule to be calm and focus on your breathing to reduce stress levels and boost your mental health.
  • Stay abreast of your financial circumstances, acknowledge that there may be financial implications to your injury, and seek out support and advice to manage them. Money is a leading cause of stress, and ignoring it will only make it worse.

Financially

As previously mentioned, an injury at work that puts you out of action will inevitably have financial implications for you and your family; there are many things to consider during this time, including:

  • Compensation – You may be entitled to compensation following a workplace injury, and you should not be hesitant to pursue it. Personal injury solicitors London, Washington, Paris, or wherever you are in the world, are there to help you regain financial control and support you following your accident.
  • Insurance – You may find that your employers have insurance to cover workplace accidents, you should speak to your employer and discuss your rights. Your own medical insurance cover, if applicable, may also help with any resulting medical bills.
  • Sick pay – Another one for your employer. Check your contract and see what you are entitled to for time off of work due to a work-related injury.
  • Budgeting – If you find yourself out of pocket, then it may be necessary to review your household budget while you are off work and reduce non-essentials.
  • Research other support services – You may be entitled to additional benefits or financial aid. Research what is available in your area and be sure to claim everything you are entitled to. It is what it is there for, and you should not feel guilty using it.
  • Returning to work – Know your rights for returning to work after sickness or injury. Your employer should consider alternative roles within the business if you are no longer able to carry out your original job. They should make a significant effort to facilitate your return.

Prioritize your recovery and the wellbeing of yourself, your family, and anyone that may be affected by the incident. Getting better is top priority, and this guide provides tips for ensuring that you take care of you and yours.

Fix Your Finances After A Workplace Injury

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Workplace injuries are a common emergency situation many people find themselves in, even if you’re living a nomadic remote working lifestyle. It’s estimated that roughly 374 million non-fatal injuries and illnesses occur in the workplace every year. These can result in expensive medical bills, disability, and the inability to work. If you have a family, your priority is to look after them, but this can prove stressful, especially if you’re no longer earning a fixed income.

Luckily, there are many things you can do! Here’s a rundown of some of the most helpful tips so that you don’t have to worry about finances while you’re recovering from your injury.

Apply For Worker’s Compensation

In Australia, you can apply for worker’s compensation if you’re injured at work. According to the Worksafe website, an injury is defined as a personal injury that arises out of, or in the course of, employment if the employment is a significant factor to the injury.

You’ll be covered for things such as lost wages, hospital expenses, and rehabilitation treatments to help you get back on your feet.

What If You Can’t Go Back To Work?

It might happen that you’re not able to return to work, such as if you lost your arm and won’t be able to do your work without it. You could find yourself without a job, and your worker’s compensation will eventually run out. This is a stressful prospect, but it doesn’t have to make you feel helpless. There are still things you can do.

A) Contact Your Insurance Company

Does your insurance policy state that your bills would be covered if you were injured and unable to work, or that your income would be replaced? Check it out! For instance, Income Protection will replace some of your income if you can’t work. According to MoneySmart.gov.au, there are different Income Protection policies that offer benefits, but you’re likely to get cover for up to 75 percent of your gross income for a maximum time period stipulated, such as two or more years.

If you’re disabled after the accident, Total And Permanent Disability (TPD) insurance can cover various costs related to your disability, such as rehabilitation costs as well as debt repayments or the cost of living. Insurance policies can therefore be a huge help after a work-related injury.

B) Consult With An Attorney

According to attorneys Tait and Hall, anyone who’s experienced a personal injury can gain justice for it. An attorney can help you in various ways, such as if your insurance claim is denied or your employer isn’t communicating with you during this stressful time. Sadly, some employers try to get out of taking responsibility for injuries or illnesses that occur to their employees at work, which is why it’s essential to get a professional who can help you navigate this scary and foreign territory.

C)  Consult With Your Employer

If you could still do some aspects of your job in spite of your disability or illness, speak to your employer about your employment options. For instance, if your job requires you to write or do accounting work, you could do this anywhere as long as you have a laptop and internet connection. These jobs enable you to work remotely, which is especially beneficial if you can’t drive anymore due to your injury. Working from home would ensure you continue to earn an income in spite of your illness or injury.

When you get injured or ill due to work, it can be devastating and lead to a great deal of financial stress. By gaining control of your finances and achieving some financial support, you can help yourself and your family through this trying time.

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We left our home in Sydney, Australia many moons ago in May 2012 and, other than a brief stint back in Perth for Christmas and a wedding in early 2014, we have been travelling the world nomadically ever since, running a business from our laptops and we’re here to show you how to do it!