If you have been injured at work, it is scary not knowing when you will get your next pay-check. Click here to learn how to make money while being injured
Work-related injuries are incredibly common. In fact, workers get injured every seven seconds in the United States.
If you’re one of them, you’ll not only have to focus on your recovery, but you’ll also have to find a way to pay the bills while you get better. For most injured workers, figuring out how to create extra income is a confusing process. It doesn’t have to be.
You just need to know how to start. Here are a few simple ways to make money after you’ve been injured at work.
Fill Out a Workers’ Compensation Claim
If you’re injured on the job, you should always start by letting your manager know what happened. They’re required to help you file a workers’ compensation claim to help pay for the cost of your medical treatment and a portion of your paycheck while you’re unable to work. The amount of money you receive may not be a lot, but it will still help you cover the bills until you can get back to your regular work schedule.
File your claim as soon as you can. It can take your employer’s insurance company several weeks to process your claim. The sooner you initiate the process, the sooner you’ll get the money you need.
Keep in mind that some employers may try to refuse to file a workers’ compensation claim. If they do, call your state’s Department of Labor and let them guide you through the process.
Look at Loan Options
One of the easiest ways to make money when you’ve been injured at work is to take out a personal loan. Take your time and research your options to make sure you choose the best loan for your needs.
If you’re only going to be out of work for a few days, applying for payday loans online may be enough to get you through. However, if you’re going to be out of work for several weeks or months, you’ll want to explore other loan types with longer repayment terms.
Regardless of the types of loans you apply for, get quotes from several lenders. Compare the interest rates and loan amounts they offer you and go with the lender you’re most comfortable with.
Sell Your Unwanted Junk
Believe it or not, you can make money by selling items around the house that you no longer want, need, or use. Go room by room and look for things you’re tired of keeping on hand.
You can sell just about anything. People will happily buy used books, movies, clothes, furniture, and electronics as long as they’re still in good condition.
Host a garage sale on the weekend or post those items online to reach a broader audience. If you do, make sure the buyers cover the cost of shipping so you don’t have to pay for packing materials out-of-pocket.
Turn Your Hobby Into a Job
When you’re injured and recovering at home, you’ll have more time to pursue your hobbies. Use this to your advantage and look for ways to turn that hobby into a side gig.
If you make crafts, sell them online through a craft-specific marketplace. If you have a passion for photography, start touching up images and selling them online.
Just about any hobby can get turned into a side gig. You just need to figure out who will look for the products or services you offer. Once you narrow down your target market, you may end up making enough to completely make up for your lost income from your day job.
Rent Out Part of Your Home
If you have an empty bedroom in your home, consider renting it out to bring in extra money while you recover. You can post the room for rent by the night, week, or even the month depending on your income needs and your willingness to share your space with someone else.
Keep in mind that this option is best if you own your home. Renting out a spare bedroom when you’re leasing the property requires your landlord’s permission. If they won’t give it to you, you won’t be able to legally rent out the space.
It’s also best to take the time to familiarize yourself with any local or state restrictions associated with turning your spare room into a vacation rental. The last thing you want to do is violate those restrictions and have to pay a fine.
Look for a Different Job
If you’re going to be recovering for a long time, it may be a good idea to look for a different job entirely. You can do this while you’re receiving workers’ compensation payments without penalty.
Think about the types of skills you have and any physical restrictions you might have after you recover. Use this to guide you in your job search and look for positions that will allow you to make money while staying healthy.
Reach Out to an Attorney
If you’ve filed a workers’ compensation claim, you won’t be able to sue your employer for your injuries. However, if they refuse to help you with the claim or are directly responsible for your injuries, it’s always best to speak with an attorney.
You may be able to get income through a personal injury settlement. Just make sure to choose an attorney that charges on contingency.
This means they’ll only get paid if they win your case. Their payment will be a set percentage of the settlement you receive, so you won’t have to pay anything out-of-pocket. If you lose the case, they won’t get paid.
You Can Make Money If You’ve Been Injured at Work
Getting injured on the job is stressful. You never know how long your recovery will take and waiting for your next paycheck just isn’t an option.
Keep these tips in mind and you’ll be able to make money even if you’ve been injured at work.
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