Recovering Lost Wages After an Accident in Utah

If you can’t work because of injuries from an accident, Utah law offers several ways to recover lost income. Below is an overview of the main options and how to pursue each.

Detailed Answer

1. Workers’ Compensation Benefits

Under Utah’s Workers’ Compensation Act, most employers must carry coverage for on-the-job injuries. If you qualify, you can receive wage-replacement benefits equal to two-thirds of your average weekly wage, up to a statutory maximum. File your claim with the Utah Labor Commission within 180 days of the accident.

Key statute: Utah Code §34A-2-201

2. Third-Party Personal Injury Claims

If someone other than your employer caused your accident—such as a negligent driver or property owner—you may sue them for negligence. Utah courts allow recovery for past and future lost wages, medical expenses, and other damages. Be aware of Utah’s two-year statute of limitations for personal injury claims.

Key statute: Utah Code Title 78B, Chapter 5

3. Private Disability Insurance

If you carry short-term or long-term disability insurance—either on your own or through your employer—you can claim benefits to replace a portion of your lost wages. Policies vary, so review your coverage terms, elimination periods, and benefit limits.

4. Social Security Disability Insurance (SSDI)

For long-term or permanent disability, you may apply for federal SSDI. You must prove that your injury prevents you from engaging in substantial gainful activity for at least 12 months or will result in death. The application process can be lengthy, so file as soon as you meet the disability criteria.

Learn more: SSA Disability Benefits

5. Utah Crime Victim Reparations

If your injury stems from a violent crime, the Utah Office for Victims of Crime may cover lost wages, medical costs, and more. You generally must apply within one year of the crime and cooperate with law enforcement.

Key statute: Utah Code Title 77, Chapter 38

Helpful Hints

• Document your injury, medical treatment, and any missed work dates in writing.
• Meet all claim-filing deadlines: 180 days for workers’ comp, two years for personal injury.
• Retain copies of pay stubs and tax returns to prove lost wages.
• Notify your employer promptly of any work-related injury.
• Consult a qualified attorney early to protect deadlines and evidence.

Disclaimer: This article is for educational purposes only and does not constitute legal advice. Consult a licensed attorney to discuss how these options apply to your specific situation.