Sustaining a catastrophic injury while out and about in Florida was one thing, now you have to worry about making a living while you recover. Because the incident happened off the clock, workers’ composition is off the table. What other options do you have?

The Local Brand offers some suggestions to explore. Help yourself to some financial relief while you work on getting physical relief.

Social Security disability

Depending on the extent of your injuries, you may qualify for Social Security disability. Applying and qualifying are often difficult, so be sure you do your research; working with a professional advocate is a solid bet. The overall disability amount you receive depends on how much income you earned before your injury.

Long- or short-term disability

While your accident may have happened off the clock, your employer may still be able to help. Touch bases with HR and ask about short- or long-term disability. Be prepared to gather and submit medical records and other such information to prove the extent of your catastrophic accident. Bear in mind that depending on your company’s disability insurance provider, you may not receive your full usual salary, so be sure to ask about that, too.

Alternate position

Even though your accident was a catastrophic one, you may still be able to work, but in a reduced capacity. Some employers offer injured workers special accommodations so they can perform a job that is not as physically taxing as their usual position. For instance, if your injuries are in your lower extremities, your employer can have you sit down and update the company database, handle administrative tasks or something similar.

This information is only intended to educate and should not be interpreted as legal advice.