Home Business Law What Would Happen If You Were Injured and Unable to Work?

What Would Happen If You Were Injured and Unable to Work?

6 min read

A lot of people don’t tend to think about the future. They think about the here and now. However, in some cases, it is important to think about the ‘what if’ scenarios in life. What would happen if you were injured and you could no longer work? Unfortunately, life is full of hazards, especially when you consider the frantic pace we operate at in the modern day. From workplace accidents to incidents on the road, to injuries that have occurred while partaking in a sporting activity, there is no end to the different types of scenarios that could result in anything from a broken leg to something more serious. Have you thought about how you would survive financially if such an accident was to happen?

Establish an emergency fund

The first thing that needs to be considered is whether you have a saving fund established. If you don’t, now would be a good time to focus on putting an emergency savings pot together for a rainy day. You should aim to cover at least six months of your salary. Not only will this protect you should you become ill, suffer a physical injury, or have problems with your mental health, but it will also offer you some security if you were to be made redundant, or if you were to encounter a large, unexpected expense. There are many different ways you can save for a rainy day, including making savings around the home, such as changing utility provider and cutting back on the amount you spend on your weekly shopping bill.


Consider income protection insurance

The next step to take is to assess your current employment terms and conditions. Are you entitled to sick pay if you fall ill or get injured? If so, how long will this last? Will you receive your full salary or a percentage of it? Of course, if you are self-employed, none of the above will apply. You will most likely earn money based on the work you provide. If you are no longer able to supply the work to your clients, you earnings are going to evaporate. This is why it is a good idea to take out an income protection insurance plan. By doing this, you will receive a sum of money every month if something happens to you and you can no longer work.



Know your options regarding launching a personal injury claim

It is also a good idea to get a basic understanding of compensation claims, so you can know whether you would be entitled to a payout should anything occur. Companies like Gruber Law Offices are dedicated to helping victims of personal injury accidents get the full amount of compensation they deserve. However, you can only launch this type of claim if you are able to prove that someone else caused your injuries. By getting to grips with personal injury compensation, you can ensure you act in the correct manner should you ever get injured in the future, so you don’t do anything that could jeopardize your claim.


It is important to make sure that you and your family are financially protected should anything happen in the future. Follow the three steps above so that you have a backup plan in place should you be unable to work due to an injury or illness.

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