As a working mom, you balance a lot of responsibilities, and it doesn’t take much to upset that balance. Getting injured at work can force you to rethink your roles of mother, employee and head of the household. What can you do after a work accident to make sure that all of these responsibilities are taken care of? Here’s a checklist to help you.
Explain to your kids what is going to happen. Any time children see a parent get hurt, they are likely to feel worried or scared. In the chaos of medical treatments and trying to sort out how you will pay the bills with less income, it’s important not to forget about putting all of these changes into context for your family. Talk to the children as soon as possible to let them know how you got injured at work. Sometimes it helps to frame it in a positive way by saying that you’ll get to spend more time at home with them while you get better.
Know your employer’s sick pay policy. Your family’s financial security is just as important as their peace of mind, so you should find out about your employer’s sick pay policy on day one of your job. In the case of an accident at work, UK law says that you are guaranteed to receive sick pay of approximately £85 a week for about four months. Some employers also give additional sick pay, but the only way to find out if yours does this until you ask
Have a solicitor on standby. In an ideal scenario, you will receive enough money in sick pay to help you through your recovery. However, if this doesn’t happen, you should contact a solicitor to determine whether you are eligible to file an accident at work claim to get the financial compensation that you need to stay afloat. The primary factor in your claim should be the amount of proof that you have from the accident to show that it was not your fault but rather the fault of your employer.
Organise all your payments. Brace yourself financially for a pay cut. While you’re out from work, you will need to come up with a plan for how to pay all the bills with a smaller paycheck. Once you rearrange your budget of necessities, make a few phone calls to your creditors to ask if you can lower your payments or extend due dates for the duration of your recovery.
Let the children get involved. And finally, even with all of the organising and talking to solicitors, creditors and your employer, don’t forget to maintain the most important conversation of all. Let your family help you while you’re injured or sick so that they can feel like an important part of your recovery.