Facing a long recovery period after getting seriously injured at work can be stressful enough without even considering your finances. But when you add to your physical rehabilitation the prospect of having to pay all your bills with less income than you used to, this situation can quickly make you feel like you’ve lost all control over your life. And all because your employer had not implemented simple Cable protection in the office, and to think how cheap it is to install via theworkplacedepot.co.uk.
For this reason, it’s important to consider what you would do after a work injury before one happens. If you want to be proactive in case of a work injury, here’s what you should consider.
Find out about your employers sick pay plan before an accident happens
Most employees are entitled to statutory sick pay mandated by the UK government in case of an injury. This usually comes in the form of a weekly pay check from your employer, but it will only be a fraction of your salary. Because it’s usually not enough to cover all of your expenses, some companies have an additional plan to pay sick pay–known as an occupational pay scheme–to help you out financially if your recovery takes a long time.
Make sure you stay up-to-date with safety guidelines
The best way to protect yourself financially from lost income due to a work accident is to never have one. While some situations are inevitable, it is important to stay up-to-date with your company’s safety procedures so that even if you do have an accident, you won’t be found liable for it. In addition, you should bring any safety hazards that you discover to your employers attention so that they can be eliminated.
Report the incident
The Health and Safety Executive requires employers to report accidents, even if it seems like you haven’t sustained any injuries. This report should include the date and time of the accident as well as what happened. If you do have to take off time from work, this information should be included as well. Ultimately, reporting incidents can help create a safer work environment not only for you but also for your fellow employees. Because of the importance of these reports, it is a good idea to follow up with your employer after you return to work to make sure they report was filed.
Research work injury solicitors
If your employer doesn’t offer additional sick pay, you also have the option to file a work injury claim to win more compensation. The best way to start a claim is to find a solicitor who specializes in work accident cases; he or she can let you know how strong your case is as well as advise you on the different kinds of claims that’s you can file.
Adjust your household budget.
As always, a smaller pay check will require a smaller budget. You should try to sort out which incidentals you can cut from your monthly expenses so that you can survive without falling behind on important payments. However, watching your budget serves an additional purpose: if you find yourself filing a claim for additional pay, keeping track of your expenses could help you prove that you need more money.