Many people who are involved in an accident and sustain injuries are unable
to work as a result of those injuries. Without being able to work, many
people wonder what they are going to do and how they are going pay their
bills or put food on their table, which only adds insult to injury. Fortunately,
there may be options available to reimburse injured people for lost wages.
Ultimately, the insurance carrier of the person at-fault for causing the
accident is responsible for paying you lost wages as part of the injury
claim, up to the limits available on the policy. However, the at-fault
insurance carrier does not pay lost wages while you are out of work and
losing the wages. The insurance carrier pays the lost wages as part of
a lump sum settlement of the injury claim once you are done treating and
already returned to work. So what options may be available to you to receive
some income while out of work and recovering from your injuries?
The first option to seek compensation for wages is to review your own personal
motor vehicle insurance policy. Under every insurance policy, there is
optional coverage for wage loss benefits. These benefits are paid to you
in lieu of your regular income when you are missing work because of injuries
you sustained in an accident. Insurance companies provide several coverage
options to choose from, so you’ll want to research which option
best applies to your situation. Since wage loss benefits is an optional
coverage and an additional expense on your premium, be sure to discuss
this coverage with your insurance agent or adjuster before adding it to
Another source to seek compensation for wages while you are out of work
is through a disability plan. This can be in the form of short-term or
long-term disability through your employer or through personal disability
insurance that you have paid for on your own, such as a plan through Aflac.
You should be aware that some disability plans require to be reimbursed
for wages paid to you, once your injury claim against the at-fault driver
and his or her insurance carrier has concluded. Be sure to notify your
attorney if you receive wage loss benefits through a disability plan.
Missing Work Due to Injuries Sustained in an Accident?
Wondering how to receive reimbursement for the wages that you are losing
through no fault of your own? Contact the Pennsylvania personal injury
attorneys at Metzger Wickersham to discuss the options that may be available to you.