Hurt at Work? Here's What to Do

Hurt at Work? Here's What to Do

It's illegal to fire you for having an injury at work

If you're hurt at work, you have little time to take action. Don't try and fight through the pain. You need to forget all those stories about being fired for reporting or injury. It's illegal to fire you for having an injury at work.

Your first course of action is to see a doctor.

Doctors must be consulted. Even if your employer is trying to convince you not to see a doctor, you need to see one. Serious injuries require the assistance of a doctor. If you haven't suffered from an injury that requires an emergency room visit, you should:

  • Ask your employer for a list of approved doctors

In most states, you'll be given a long list of doctors that are within the company's workers' compensation list.

"After an accident you may end up in the emergency room and within a few hours after you are injured you have accumulated thousands of dollars in medical bills," states The Law Office of Kevin P. Justen.

But if you wait to seek injuries because of potentially high medical bills, you might cause more harm to your health and may harm any claim you have against your employer, too.

Your next steps will be the most important. These are the steps that most employers won't inform you about.

1. Report the Incident to the Employer

Your employer has workers' compensation insurance, or they should have obtained it. This insurance will be required in most state. The NFIB has a nice list of all state requirements for workers' compensation.

Unless you're rushed to the hospital, you should report the accident immediately.

Any delaying in the reporting will impact your claim. Your employer can also deny your claim, and if this happens, you'll be left paying for you medical bills.

Making a report cannot wait.

If an employer asks you to wait to make a claim, demand that the claim be made immediately.

2. Keep All Documentation

When you consult with a lawyer, which you will have to do at some point, you'll need to make sure that you establish a paper trail. You want to keep all documents that pertain to:

  • Doctor visits
  • Time away from work
  • Doctor bills
  • Medical bills
  • Lost earnings
  • Treatments

Your paper trail provides proof of your injuries as well as the costs associated with your injuries.

3. Follow the Treatment Plan Religiously

You're required to follow the course of treatment that your doctor recommends. You must follow the recommendations and treatment instructions precisely. Failure to follow these directions may result in you losing your right to receive benefits.

See, the doctor knows better than you how to treat your injury.

Failure to follow the doctor's directions might lead to further injuries. This is where things started to get complicated. You do have a right to seek a second opinion, but don't stop treatment unless advised to by a medical professional.

You'll need to notify your employer that you want to seek a second opinion.

But remember that you're limited to the amount of times that you can switch doctors.

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Stop Saying You're a Broke College Student

I've had a job since 16, and my money life is thriving.

It's supposed to be funny when someone says "I'm a broke college student" but I think it's stupid. Here's my unpopular opinion.

I've had a job since I was 16. My first day of work was the first weekend after I started my sophomore year of high school. It wasn't too difficult- I was literally only working on Saturdays and Sundays. The shifts were 4-7:30/8 pm on Saturdays and 11-2:30 on Sundays. I wasn't making a huge amount of money, but it paid for my gas money, and that was all I needed. So the first year I had my job, I was spending any extra money I had on food, movie tickets, and clothes.

Then reality hit when I knew I needed to start saving up for college. I started putting money into my savings account, and eventually I had built up enough money to buy a new old car. I know, it wasn't college tuition, but I needed it.

My first year living in the dorms, I figured out a system. I was putting $150 each week in a savings envelope, and each month I knew I had to pay $160 for my car payment. The rest of the money I made I put in envelopes for a new purse, clothes, vacation. I had a system going, and I didn't spend extra money on useless things unless I was rewarding myself. In case you can't do the math, that's at least $600 in my savings account each month, and most people can't figure out how to put away $100.

Now, as a sophomore in college, I watch people trickle into class with to-go food, to-go coffee, smoothies, and candy from gas stations or the shops on campus. Then I hear those same people complain about being "a broke college student." I'm sorry, but you're not a broke college student. You're a college student who pays for things you don't need, with money you have that you shouldn't be spending. You don't need to get Starbucks 3 times a day. You don't have to go to pitcher night at the local bar. You don't need to spend money on those things, but you do. And at the end of the month, you're broke, and begging your parents for money.

So, in my unpopular opinion, you're not a broke college student. You're a dumb one. Make a budget, give yourself some spending money, and stick to it. You'll thank me later.

Cover Image Credit: Pinterest

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11 Tips For a Great Semester

The moment you’re ready to quit is usually the moment right before the miracle happens.

1. Have a nice workspace/desk

I recently made this change and I feel 100% better.

2. Dress well

Personally, if I go to class looking like a bum, I feel like a bum. Dress for success!

3. Go to bed at the same time every night

Getting enough rest can really impact the rest of your day. Aim to get 7-9 solid hours of sleep each night this semester to avoid accidentally being grouchy at someone.

4. What am I doing for this upcoming week?

What are my goals this week? What’s going on this week? What do I need to work on for this week? If you go into your week blind, it never really works. I’ve done this before.

5. Don’t lose your class syllabi

This one paper has literally all of the due dates, test dates, readings and homework assignments on it. Make sure you always know where this paper is because you will be looking at it constantly, so don’t lose it.

6. Ask questions

If you’re in class and you have no idea what the professor is talking about ask, or email them! It’s good to ask questions because then your professor knows you care about their class so it’s a win-win situation. You ask questions plus the professor knows you care equals good grade in the class.

7. Take good notes

I can’t tell you how many times over the past semester I would look back at my notes and what I wrote didn’t make sense. Learn what type of learner you are to figure out how to take the best notes for yourself. I either write everything out by hand which takes forever (especially when the professor flies through the lecture) or I print out the notes and just write on those papers so I can actually listen to the lecture.

8. Get some homework done in between classes

In my schedule, I have a lot of time gaps in between classes just waiting around for my next class to start. Take advantage of this 30 minutes or 2-hour gap and work on some homework. You’ll thank yourself later.

9. Don't overload yourself

I’ve made a rule with myself to only do homework Monday to Friday. That’s because if I work super hard during the week on my work then I can have the weekends off as a mental break. There are a couple exceptions to my rule like if I have a 5-page essay due Monday then yes, I’ll work on it during the weekend or if I have tests coming up the next week then I’ll be studying.

10. Don't procrastinate

If you’re avoiding something, just get it done and over with. If you have a really difficult essay to write and then a bunch of easier assignments; start with the hard assignment first to get it done. It’ll take the most time and then you’ll feel relieved when you’re done with it.

11. Don't give up

The moment you’re ready to quit is usually the moment right before the miracle happens.

Just keep going.

Cover Image Credit: Pixabay

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