If you happen to be a biker dad, then you know that the likelihood of you getting in an accident are high. Without the same protections provided in a car like additional coverage, airbags, and safety belts, chances are you’ve sustained some pretty serious injuries. If these injuries are more than superficial and have prevented you from earning a living for a while, the stress only adds to your long list of concerns. Though recovering and getting back to work is your main priority, there are some things you can do in the meantime to help tide you and your family over financially.
Apply for Disability
The first thing you should try is to file a disability insurance claim. If such insurance is offered through your employer, you may be entitled to take a few weeks off the job while you recover. Disability insurance is only a percentage of your usual take-home pay but can take some of the financial burdens off your family as you get better.
If you don’t qualify through your employer or they don’t offer such insurance, you may be able to file temporary disability with the state or Social Security Administration instead. The process for approval can take a while so the sooner you start the better.
Get an Attorney
If your motorcycle accident was caused by another motorist, you may have a personal injury case on your hands. You can do an online search to find the right injury attorney in your area to represent you. Should you have a case, it could be determined that you’re entitled to financial compensation. This could include lost wages, medical bills, pain and suffering, and more. The payout from this type of case could help supplement the income you lost and pay for any ongoing treatments related to your recovery.
Apply for Assistance
The government realizes that families fall on hard times and sometimes need help getting back on their feet. Since you’re making less income than when you were employed, this may entitle you and your family to receive government assistance. This can include getting help with groceries, mortgage or rent payments, health insurance, and utility costs. Check with your local department of social services to find out what programs you’d be eligible for.
Work From Home
If the injuries you’ve sustained aren’t too bad, you may be able to get a side gig from home that could help cover some of the costs. Of course you’ll want to run this by your doctor first, however, there are a lot of things you can do without having to be to mobile or exert too much energy. You can write blogs, answer surveys, participate in focus groups, build websites or design logos, and much more.
You might also consider talking to your employer about making reasonable accommodations that would allow you to complete a portion or all of your job at home. For example, if you work in an office, they may allow you to access databases and software from home to continue collaborating with your team.
Getting hurt isn’t something you plan, but if you love bike life, then you know there is a real possibility that something could go wrong – even with protective gear on. If you’re stressed with trying to figure out how to provide for your family, there are options like those discussed above that can help to lighten the load as you recover. Once you’ve figured out how to care for your family financially, the next step is following the doctor’s orders, eating a well-balanced meal, and working diligently towards a full recovery.