The two questions most often asked by injured truck drivers are:
(1) how do I pay my bills and support my family when I cannot work and
(2) how do I pay for medical care?
These can be very difficult issues for injured truckers. In most states, an employer is not required to hold your job after you are injured. Even if your employer does hold your job, if your injury prevents you from working, you probably won’t be paid while you are out of work recovering from your injuries. Making ends meet during this time can be difficult.
Getting medical care for your injuries can also be a problem. If you have insurance through your company, you will lose that insurance if you are fired. You can pay for extended health insurance benefits through COBRA, but these benefits are temporary and expensive. In addition, even if you have money to buy private insurance after you are fired, you may not qualify for private health insurance at reasonable rates because of your pre-existing injury. This can seem like an impossible situation for truckers and their families.
But injured truckers do have options, and in the coming weeks we will post a series of articles discussing these options:
- Personal Injury Lawsuits
- Workers’ compensation
- Disability insurance
- Social Security disability
- Unemployment benefits
- Private health insurance
- Medicare and Medicaid
We will address these issues in our upcoming posts, but, if you have any questions about any of these topics beforehand, please let us know.
If you have been through these issues, we would also love to hear your stories about how you dealt with these difficult times. We will share your stories (anonymously if you prefer) so that other truckers can benefit from your experience. You can call us toll free at 855-4-HURT-TRUCKER (855-448-7887), or email us at [email protected].