Detailed Answer
Accident-related injuries can disrupt your ability to earn income. In Wisconsin, you may seek compensation through several avenues:
1. Workers’ Compensation Benefits
If your injury occurred at work or during a work-related activity, you may qualify for wage-loss benefits under Wisconsin’s workers’ compensation law. Employers carry insurance to cover medical costs and partial wage replacement. See Wis. Stat. ch. 102 for eligibility and benefit details: Wis. Stat. ch. 102.
2. Auto Insurance First-Party Benefits
Wisconsin requires Personal Injury Protection (PIP) coverage under automobile policies. PIP pays up to $10,000 for medical expenses and wage loss regardless of fault. You can claim PIP benefits by notifying your insurer promptly. See Wis. Stat. §632.32: Wis. Stat. §632.32.
3. Third-Party Personal Injury Lawsuit
If another party’s negligence caused your accident, you can file a lawsuit for economic damages, including past and future lost wages. Wisconsin law allows recovery of these losses under its damage statutes. See Wis. Stat. §895.04 for economic damages: Wis. Stat. §895.04.
4. Social Security Disability Benefits
If your injuries result in a long-term or permanent impairment, you may apply for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI). The federal Social Security Administration evaluates your work history and medical condition. Visit the SSA website for eligibility requirements.
5. Private Disability Insurance
Many employers offer short-term and long-term disability plans. These policies pay a portion of your salary if you cannot work due to illness or injury. Review your policy’s terms, coverage limits, and waiting periods to file a claim promptly.
Helpful Hints
- Report your injury and file claims early to avoid missing deadlines.
- Keep detailed records of medical treatment, pay stubs, and correspondence.
- Consult an attorney if your insurer denies benefits or offers a low settlement.
- Understand that some benefits (like PIP) may reduce your third-party recovery.
- Review your insurance policies to know coverage limits and exclusions.
Disclaimer: This article is for informational purposes only and does not constitute legal advice. Consult an attorney for advice specific to your situation.