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Ohio Car Accidents & Short-Term Disability
Some car accidents leave victims with a lifetime of treatments, therapy, and pain. Other car accidents, however, can cause serious short-term injuries and illnesses that only last for several months.
Even car accident victims who face a short-term medical issue can lose out on income because they are unable to work. However, these individuals may be able to recover short-term disability benefits after an Ohio car accident.
If you or a loved one has suffered from a short-term disability that was caused by a car accident, you should consult our experienced Ohio car accident lawyers at Kisling, Nestico & Redick today.
For a free and confidential consultation, contact us at 1-800-HURT-NOW.
What is a Short-Term Disability?
A short-term disability policy is designed to provide an employee a percentage of their salary for a particular time frame if they are sick, injured, and unable to perform their job duties. In most cases, it pays approximately 40-60% of an employee’s weekly gross income.
Short-term disability coverage typically begins anywhere from one to 14 days after an employee sustains a condition that inhibits their ability to work. Although the time for short-term disability varies, it is usually between nine and 52 weeks.
In most cases, employees must use sick days before their short-term disability kicks in if their conditions keep them out of work for an extended time frame. If an employee still cannot work after their coverage period is over, a long-term or permanent disability plan will take effect.
Car Accident Injuries That Warrant Short-Term Disability
Even minor car accident injuries can interfere with your ability to work and make it challenging to support yourself and your family. Some common car accident injuries that may warrant short-term disability claims include:
Brain Injuries
Head injuries are common in car accidents, and even a mild TBI or concussion can prevent you from working, at least temporarily. The effects of a TBI after a crash can include memory loss, headaches, inability to focus, balance issues, and more.
Whiplash
When whiplash is severe enough after a car accident, this can also result in time away from work and possible short-term disability. Generally, your whiplash will need to involve damage to your spinal, severe neck pain, or soft tissue damage, and be supported by medical documentation
Back Injuries
When back injuries after a car accident involve debilitating spinal cord damage, it could significantly harm your ability to work. This is especially common when car accidents require back surgeries, aggravate existing injuries, or cause limited mobility.
Broken Bones
Depending on the nature of your employment, a broken hand, leg, arm, or other bone fracture can have a major impact on your ability to work. You may not be able to return until you regain full use of your broken bone, which can take a long time if you need surgery, physical therapy, or other treatments.
Knee & Joint Injuries
If a car accident results in severe joint injuries, like a hip or knee injury, it may be impossible for you to walk or sit as the job demands.
Burns
A vehicle fire, explosion, or chemical exposure are all common in a car accident. When burs are serious enough, they can be debilitating, disfiguring, and keep you from working due to the painful and prolonged recover times.
Anxiety & PTSD
The long-term phycological effects of a car accident can include mood swings, irritability, and anxiety regarding driving and other activities. This type of trauma can certainly have a negative impact on a victim’s day to day life, especially their ability to work.
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