If you're injured because of someone else's actions, you may not be able to return to work. In this case, you should pursue a loss of income claim. Dealing with it will be a much smoother process if you take these steps.
Understand What Constitutes as Lost Income
So that you know exactly what sort of financial compensation to seek from the person that caused your injuries, you should know exactly what constitutes as lost income. Then, you can avoid future confusion and get the money that you're entitled to.
Forms of lost income can include bonus days, vacation days, overtime, and base pay. Make sure you tally these up so that when you pursue one of these claims, you know what a reasonable rate is to expect should the claim get accepted.
To improve the odds of your loss of income claim going through the first time, you need to have evidence. You can't just say you're losing a certain amount of money because of your inability to work after the accident. Rather, you need to have documentation.
Some things you can gather to prove the amount of money you're losing while being injured are pay stabs and paychecks. Take this pay documentation from your work and make copies. You can then submit them to the correct insurance company, which will analyze this evidence and move your claim along. With proof, this process will go much more smoothly.
Hire an Attorney
If you've never had to file a loss of income claim before, the whole process can be stressful. In this case, you're better off hiring an attorney. A personal injury attorney, more specifically, can help you deal with this claims process.
They'll take into account the injuries you sustained from the accident and assess your financial situation. They'll also take over discussions with insurance claims adjusters. This way, you don't say anything that could harm your claim. Having this pressure off your shoulders gives you the chance to just focus on your recovery and getting back to work as quickly as possible.
In the event of a severe injury caused by another person's negligence, you can submit a loss of income claim if you're unable to work. As long as you take the right precautions and seek professional legal guidance from a loss of income claims adjuster, this claims process will be much more manageable to deal with and you'll get the compensation you desperately need.