Detailed Answer

When an injury from an accident keeps you off the job, New Hampshire law provides several avenues to recoup lost wages. Below is an overview of the most common options under New Hampshire law:

1. Workers’ Compensation Benefits

If your injury occurred on the job, you likely qualify for workers’ compensation under NH RSA Chapter 281-A. Benefits include two-thirds of your average weekly wage (subject to statutory minimums and maximums). You must report the injury to your employer within 30 days and file a claim with the NH Department of Labor. See details at RSA 281-A.

2. Personal Injury Lawsuit

If another party’s negligence caused your accident—such as a distracted driver or unsafe property condition—you can file a civil claim for past and future lost wages. New Hampshire’s three-year statute of limitations for personal injury suits applies. See RSA 508:4. A successful lawsuit may recover 100% of your lost earnings and related damages.

3. Short-Term and Long-Term Disability Insurance

Many employers offer disability insurance plans that replace a portion of your income when you’re unable to work for non-occupational injuries. Short-term disability typically kicks in after a brief waiting period (e.g., one or two weeks) and pays up to 60% of your salary. Long-term plans begin after the short-term period and may last months or years, depending on your policy.

4. Social Security Disability Insurance (SSDI)

If your injury leads to a long-term impairment that prevents any substantial gainful activity for at least 12 months, you may apply for SSDI through the Social Security Administration. Approval can take several months, and benefits start after a five-month waiting period. Visit ssa.gov for application details.

5. Crime Victim Compensation

If your injuries result from certain violent crimes, the New Hampshire Office of Victim/Witness Assistance may cover lost wages up to a statutory limit. See program details at NH Dept. of Justice Crime Victim Compensation.

Disclaimer: This article is for informational purposes only and does not constitute legal advice. Consult a qualified attorney to discuss your specific situation.

Helpful Hints

• Report your injury to your employer or relevant authority immediately.
• Keep detailed records of lost work days and pay stubs.
• Obtain all medical records and doctor’s notes about your injury.
• Review your insurance policies to understand coverage limits.
• Consult an attorney promptly to protect your rights and deadlines.