Like many people, the recession hit me pretty hard. Thanks to a job loss, I got behind on some of my credit cards. Even though I did mange to make the mortgage payment every month, my credit rating nose-dived. While things did get better, I still wondered if it would be possible to refinance my mortgage with bad credit. After talking with a few lenders, I found out that my situation was not unique. I also found lenders who were willing to work with me. I managed to get terms that will save me money over the life of that mortgage. If your credit has taken a beating, don't assume that refinancing is out of the question. I'll share how I researched options and found a lender who offered a good deal. You could find that refinancing your mortgage is within your reach.
Being injured while at work can be a painful and inconvenient experience. Filing a workers' compensation claim can help make the experience more bearable in a number of ways such as the following.
Get Some of Your Wages Replaced
While you may not be paid your full salary after being hurt while on the job, you can expect to get some of your wages replaced if your workers' compensation claim is accepted. The income should help you make ends meet while you recover from your injuries and until you get back to work or find another way of making a living. The payout amount your receive will depend on things such as how long you have been working, how often you worked, and how much you were making up until you were injured on the job.
Have Your Medical Bills Paid For
Even if all you're left with is co-pays and deductibles after being medically treated for your injuries, you shouldn't have to pay those costs out-of-pocket. Filing a workers' compensation claim will give you the opportunity to have your medical bills paid for so you aren't left with a pile of debt that you wouldn't have had if you were not injured in the first place. Your physical therapy and psychotherapy treatments can be paid for too if those treatments were needed as a result of your workplace injuries.
Participate in Vocational Rehabilitation
If you can't go back to your job due to your injuries and need to find a different line of work that accommodates you during recovery and beyond, you can file a workers' compensation claim to gain access to a variety of vocational rehabilitation opportunities. You can participate in classes and seminars that are designed to teach you new skills that can be used in a workplace that meets your physical and mental needs. And you'll gain access to job leads that will help put you on the fast track to making a living again.
Hold Your Employer Responsible
Filing a workers' compensation claim will also allow you to hold your employer responsible for the actions they may or may not have taken that led to your injuries. Whether due to neglect, a workload outside of your education or experience, or a lack of structural maintenance, your employer should be held responsible for ensuring that they take the situation seriously and that they work hard to make sure that another accident doesn't happen again in the future.
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Share19 October 2018
