Disclaimer: This article provides general legal information under North Dakota law. It does not constitute legal advice. Consult an attorney regarding your specific situation.
Detailed Answer
1. File a Third-Party Personal Injury Claim
Under North Dakota law, you can seek compensation from the at-fault party for lost wages. Courts allow recovery of both past and future lost earnings as part of your damage award. See N.D. Cent. Code § 32-03-01: https://www.legis.nd.gov/cencode/t32c03.html#32-03-01
2. Pursue North Dakota Workers’ Compensation Benefits
If an on-the-job accident injured you, you can file a workers’ compensation claim. You may receive two-thirds of your average weekly wage while you heal. See N.D. Cent. Code § 65-05-17: https://www.legis.nd.gov/cencode/t65c05.html#65-05-17
3. Claim Private Disability Insurance
Review any employer-provided short-term or long-term disability plans. Private disability insurance often covers a portion of your lost income. File promptly and follow the insurer’s procedures.
4. Apply for Social Security Disability Insurance (SSDI)
If your injuries prevent you from working for at least 12 months, you may qualify for federal SSDI benefits. Apply online at the Social Security Administration: https://www.ssa.gov
5. Consider a Structured Settlement Advance
If you have a pending personal injury settlement, you might receive an advance on future settlement funds. Review all fees and interest rates before agreeing.
Helpful Hints
- Keep thorough medical records, pay stubs, and employer letters detailing your lost earnings.
- Note all communications with insurance companies and maintain written records.
- Report your injury to your employer and insurers as soon as possible.
- Track important deadlines: North Dakota’s personal injury statute of limitations is two years (N.D. Cent. Code § 28-01-16: https://www.legis.nd.gov/cencode/t28c01.html#28-01-16).
- Consider consulting a local North Dakota attorney to evaluate your case and maximize your recovery.