What To Do When You Become Unexpectedly Disabled

Approximately one-quarter of adults have a disability that has a significant impact on their daily lives. This represents approximately 64 million people in the United States. The most prevalent disability type, mobility, affects approximately one in seven people.

Knowing What to Do When You Become Disabled

Six things to keep in mind if you unexpectedly become disabled are as follows:

1.  Take Your Time to Cope

A disability caused by an unexpected accident or illness can be devastating. The abrupt changes brought on by the disability can be overwhelming, terrifying, and frustrating. Dealing with your anger, grief, and other emotions comes first on the list of things to do when disabled.

Taking time to reflect on recent events is essential. Do not be in a hurry. You determine your own terms and timetable for coping with the aftermath of a tragic accident, injury, or illness.

2.  Look Into Disability Assistance

There are numerous types of assistance for the disabled offered by private and public companies and government agencies. There are programmes available to assist you in meeting the emotional, physical, and financial demands of your disability.

On your list of things to do when you become disabled, you may wish to consider the following types of assistance:

  • Workers’ Compensation – If a workplace accident caused your disability, you may need to investigate receiving services through workers’ comp.
  • A workplace injury may qualify you for medical benefits, cash benefits, and long-term disability benefits.
  • Group Disability Insurance – Your employer may offer group disability coverage.
  • The insurance provides financial assistance to assist in the replacement of income lost due to disability.
  • If you are disabled, you may be eligible for SSDI or SSI disability benefits from the government.
  • If you cannot work due to a disability, you receive a monthly stipend to help with your living expenses.
  • Private Disability Insurance – Private disability policies provide income support, but these policies must be purchased prior to becoming disabled.
  • State Disability Programs – New York mandates that employers provide disability benefits to workers who become disabled due to non-work-related illnesses or accidents.
  • These benefits provide only monetary assistance.
  • Healthcare is not covered.
  • Medicaid and Medicare – If you have a disability, you may be eligible for Medicaid or Medicare.
  • Certain income and eligibility requirements must be met in order to qualify for coverage under these government programmes.

There may be additional types of assistance available to disabled individuals. When you become disabled, add checking for local and state programmes available to individuals with disabilities to your list of tasks. For instance, the New York City Mayor’s Office for People with Disabilities offers housing, transportation, and social service resources.

3.  Get Legal Help

Numerous individuals who unexpectedly become disabled require legal assistance to navigate the requirements and application process for various programmes and benefits.

They may require the assistance of an attorney when applying for disability benefits, such as income benefits and medical care. Finding the right attorney to handle the cause of your disability and all related issues can be extremely beneficial and helpful.

For instance, you may need a lawyer to help you file a claim for damages against the party who caused your disability. If you need to appeal a workers’ compensation, Social Security, or insurance decision, you may also need an attorney.

Regardless of the assistance you may require, having the support of a legal advocate as you adjust to your new “normal” can be both reassuring and beneficial.

4.  Make a Financial Plan

It can be challenging to know what to do when you become disabled and your financial situation changes. The majority of individuals who unexpectedly become disabled experience significant financial changes. They are unable to work and may lack the necessary income and resources to cover their care and living costs.

A financial plan can be useful for addressing both short-term and long-term financial needs, such as living expenses and healthcare. Create a household budget to identify areas where spending can be reduced.

As you weigh your options and apply for disability benefits, you may wish to discuss your finances with a professional financial planner who can help you determine the best ways to cover expenses and which resources to use first.

5.  Take Care of Your Mental Health

Any type of disability, whether temporary or permanent, can be stressful and frightening. Numerous unexpectedly disabled individuals struggle with depression, anxiety, and other emotional disorders.

Finding ways to manage stress and caring for your mental health should also be at the top of your to-do list when you become disabled.

You may wish to seek out a therapist, counsellor, or other mental health professional who can assist you in coping with the emotional effects of a disability. You may also wish to investigate alternative methods of stress management, such as meditation, pursuing a new interest or hobby, and joining a support group.

6.  Develop a Support Network

You are not expected to know what to do without assistance if you become disabled. Regardless of the circumstances, it is essential to have a network of individuals who can provide guidance, advice, emotional encouragement, physical assistance, and other forms of support when managing a disabling condition.

Your support network may include the following:

  • Members of the family and friends
  • Participants in a support group
  • Other individuals with comparable impairments
  • Physicians and other medical professionals
  • Mental health specialists
  • Lawyers

As you adjust to living with a disabling condition, each of the aforementioned individuals can provide support and guidance for a variety of issues. As you encounter new obstacles, they can provide assistance and support.

When you are ready, you can give back to the community by becoming a member of another person’s network in order to provide them with the necessary support as they learn how to care for you if you become disabled.

Contact Our Personal Injury Law Firm

Contact Abrams Law Group for a free consultation if you’ve been hurt in an accident and require legal assistance.

Abrams Law Group
104-70 Queens Boulevard, Suite 502
Forest Hills, NY 11375
(718) 997-9797

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