How To Get Financial Help For A Temporary Disability
Even a short period of not being able to work can have a long-term impact. Even though eventual recovery is common, being out of work for days or weeks — even months and years — can quickly lead to needing financial help for a temporary disability or for whatever is impacting them.
Nearly 6% of all American workers will experience a form of temporary disability each year, whether from illness, or injury, and about 51 million United States working adults do not have disability insurance offered through work or elsewhere.
All told, nearly 1 in 5 adults experience a form of temporary or long-term disability before the age of 67. Thankfully, there are many avenues to get financial help for temporary disability, including government and nonprofit resources and even loans, such as an easy-to-qualify-for fast payday loan. Here are just a few of the ways to get back on track.
Helpful Tips To Get The Financial Help You Need
Social Security And Supplemental Security Income Disability
The federal government’s Social Security Administration offers financial assistance or grants in this program to help pay for a range of bills, whether they are medical bills or not. This can include such expenses as housing, utilities, food, and more. Claimants typically must prove their disability and meet outlined medical criteria for approval.
In addition, Social Security Disability Insurance (SSDI), offers additional benefits and cash assistance for both you and your family if you meet the terms of the program. It’s a good program to sign up for as a backup plan for when different forms of hardship make working impossible, including an injury or medical condition.
Family Medical Leave Act
A good first place to look for financial help for temporary disability is support from the Family Medical Leave Act or FMLA. Employers are required to offer FMLA that often includes disability, financial aid, and other forms of assistance for disability leave. FMLA financial assistance programs are often for people injured while working or for new parents to take leave following a birth.
Lawyers Or Social Security Disability Advocates
Sometimes going through the Social Security Administration’s process for financial help for temporary disability can be challenging; about 60% of applicants are denied assistance. You can either find a highly-trained advocate or lawyer on your own or check if your company provides representatives to help employees.
Government Cash Grants
Another way to get financial help for temporary disability is through cash grants offered by local, state, or federal government agencies. Many provide resources for those living in poverty, assistance with children and newborns, or those facing poverty. Grants can help with things like utility bills, educational needs, or travel. Many also help disabled Untied States military veterans.
Workers’ Compensation Programs
It helps to check with your State Workers’ Compensation Board or the U.S. Department of Labor’s Office to see if your state or employer offers various forms of workers’ compensation programs. These include assistance with medical care and specialized treatment, as well as wage replacement, and vocational rehabilitation for impacted workers as well as their immediate family members.
Low Income Home Energy Assistance Program
Through the Low Income Home Energy Assistance Program, you may qualify for assistance with your energy bills at either the state, local, or federal level. Check with community action agencies in your area to see if they administer LIHEAP. Many applicants are given priority if they are coping with a disability or at immediate risk of losing power, heating, or cooling.
Consider A Fast Payday Loan
If a temporary disability has led to a financial emergency in your life, one option is a fast payday loan in Florida. A type of short-term loan designed specifically to help those with financial emergencies, a fast payday loan from us at Fast Payday Loans, Inc. can provide up to $400 for those who qualify.
To qualify for a fast payday loan, you just need to be at least 18 years old, have a driver’s license or government-issued ID, your most recent pay stub, and a blank check from a checking account that is active and in your name. You can even qualify with us if you have poor credit.
Once you have the items, simply fill out the payday loan inquiry form on our website, and one of our loan representatives will be in touch to discuss a payday loan and walk you through the rest of the short process. They will make sure you have the required items and set up an appointment for you to come into the nearest Florida payday loan location.
It can take as little as 30 minutes to get through the process, and you will learn on the same day if you are approved. If we do approve you, we will go over the loan terms and help you finish the paperwork. Once done, you’ll receive your fast payday loan cash the same day or the very next bank business day.
Get Your Financial Help For A Temporary Disability Today
Getting financial help for temporary disability does not need to be stressful — and you should not have to wait long to get the assistance you deserve. Any of these tips can really help you out when you need it. And if you are interested in payday loans, come to Fast Payday Loans, Inc. in Florida. Just fill out the online form or give us a call to get the help you need today.
Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.