What financial options are available if I cannot return to work after an accident?
A: If you cannot return to work after an accident in Alberta, several options and avenues may be available to support you during this challenging time.
In Alberta, individuals injured in motor vehicle accidents are covered by specific regulations that provide access to medical treatment and rehabilitation benefits. These benefits are typically available regardless of who was at fault for the accident and can help you cover medical expenses and rehabilitation costs. The Alberta Diagnostic and Treatment Protocols Regulation and the Minor Injury Regulation govern them.
If you have disability insurance coverage through your employer or a private policy, you might be eligible for disability benefits. These benefits are designed to replace a portion of your income when you're unable to work due to a disability. Reviewing your policy's terms and conditions to understand the coverage and eligibility criteria is essential.
If the accident occurred in the workplace, you might be eligible for workers' compensation benefits through the Workers' Compensation Board (WCB) of Alberta. These benefits can include coverage for medical expenses, wage replacement, and vocational rehabilitation.
Long-Term Disability Insurance
Long-term disability insurance coverage can provide financial support if you cannot work due to a disability. This type of insurance is usually obtained through private insurance policies or employer-sponsored plans.
Canada Pension Plan Disability (CPPD)
If your disability is severe and prolonged, you might be eligible for CPPD benefits through the federal government's Canada Pension Plan. These benefits provide financial assistance to individuals who have contributed to the CPP and are unable to work due to a disability.
Employment Insurance (EI) Sickness Benefits
You may be eligible for EI sickness benefits if you contributed to the Employment Insurance program and cannot work due to a medical condition. These benefits can provide temporary financial support while you're unable to work.
Personal Injury Lawsuit
If your accident was caused by someone else's negligence, you might have grounds for a personal injury lawsuit. A successful lawsuit could provide compensation for medical expenses, lost income, pain and suffering, and other damages. Consult with Kantor LLP's personal injury lawyers to assess the viability of a lawsuit in your situation.
Vocational Rehabilitation Services
If you cannot return to your previous job, vocational rehabilitation programs in Alberta can help you acquire new skills or training to transition into a different line of work that accommodates your physical limitations.
Given the complexity of legal and insurance matters, consulting with a personal injury lawyer knowledgeable about Alberta's laws is advisable. They can help you understand your rights, navigate the options, and determine the best course of action based on your circumstances.
Seeking financial counselling or advice from a financial advisor can help you manage your finances during this challenging period. They can assist you in creating a budget, exploring financial resources, and making informed decisions about your financial future.
Each situation is unique, and the best course of action will depend on the specifics of your accident, injuries, insurance coverage, and long-term goals. Consulting with professionals well-versed in Alberta's personal injury law and insurance regulations is crucial to making informed decisions. It's always best to seek personalized guidance tailored to your needs and circumstances.