Is A Health Issue Impacting Your Financial Potential?


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You’re more at risk to be in debt if you have a disability. That’s just a fact, and it should tell you everything you need to know about the potential of a health issue affecting your finances. There are various reasons why a health issue could hurt you financially. Let’s look at some of the potential issues here and hopefully find a few useful solutions.


Stigma

If a health issue is a disability, then you might find that you experience stigma when looking for work. Some employees will see disability and make snap judgments about the individual. For instance, if you are obese, an employer might assume that you are lazy. If you are in a wheelchair, they might assume you are less able to complete tasks that are not related to mobility. Stigmas and views like this shouldn’t exist in 2018, but they certainly do. How do you deal with this? Well, first be aware of the term ‘equal opportunities employer.’ This means the business is eager to hire anyone who can complete the job regardless of gender, ethnicity or disability.

Medical Bills

You might find that if you have a health issue, you need to pay for medical treatment. This could include medicine or various forms of medical treatment. Some are more expensive than others with surgery being the highest. Surgery could cost you thousands, plunging you into debt which will impact your credit score. That can have a knock-on effect and make it difficult to find work because employers can and will look at your credit score before hiring you. Handling this cost is all about making sure that you get the right type of coverage. You need to look at different insurance possibilities and find the one that is most suitable for you. Bear in mind that not all insurance will cover all issues. For instance, you might find that certain surgeries are not within your plan and require an additional payment. However, it still might not be as much as you would have to pay without coverage.

Equipment

You might find that with a severe injury, you need to make changes to your home, particularly if the injury is going to cause a permanent change. If you find yourself in this position, make sure that you look for government help. Support and benefits are both available from the government to help you here. You also need to think about the cause of your injury. Was it someone else’s fault? If that’s the case, contact a personal injury attorney and find out whether you might be able to make a claim. The damages you can seek may provide you the support necessary to keep your finances healthy.

Unable To Work

Finally, an injury might leave you unable to work at least in conventional terms. You might not be able to complete a manually intensive job or even work in an office. But there are plenty of businesses that you can run from your home and jobs that you can take on as a freelancer. You should look into these possibilities even if you only work when you can it could still provide you with a little financial support.


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