A traumatic brain injury, or TBI, is among one of the most serious injuries a person can sustain. Our brain injury lawyers know that these injuries are so severe that it’s not uncommon for them to lead to permanent disabilities or even death. If you or a loved one has been the victim of a serious accident that ended with a traumatic brain injury, then you are likely facing staggering medical bills.
Here are some of the ways that TBI patients can pay their medical bills.
Medical Insurance
It’s possible that your own medical insurance will cover some or most of your brain injury medical expenses. The amount of coverage varies by insurance carrier and policy. Some policies are designed to cover only catastrophic events, while others are more comprehensive. You should check with your insurance provider as soon as possible to determine how much of your medical costs will be covered.
Some people will find that insurance covers most of their hospitalization and general medical expenses but fails to provide adequate rehabilitation coverage. Unfortunately, this means that many victims of traumatic brain injury accidents go without the proper rehab necessary for their recovery. This really is a shame because victims of traumatic brain injuries can greatly benefit from various types of rehabilitation, including speech, cognitive, neuropsychological, and occupational therapies.
Workers’ Compensation
If the accident causing the TBI took place at work, then victims could be eligible for worker’s compensation. Workers’ compensation has the potential to cover medical costs, lost wages, and even vocational rehabilitation. It’s possible to receive ⅔ of your typical salary when you are unable to work in a workers’ compensation scenario. This can be paid out as a lump sum. You must notify the employer as soon as possible of the workplace injury to be eligible for the benefits of worker’s compensation.
Auto Insurance
It is not uncommon for traumatic brain injuries to be the result of a car crash or automobile accident. In these situations, auto insurance may pay a portion of your medical bills. Either the victim’s car insurance company or the other driver’s insurance provider may cover the expenses. Be sure to check with the insurance companies as soon as possible when injured in a car accident.
Hiring A TBI Attorney
If your traumatic brain injury was the result of another’s negligence or wrongful actions, then you could potentially have grounds for a lawsuit to recover damages. It’s no secret that medical costs from a brain injury can get expensive. If you believe you have a case, then you should seek a consultation with a seasoned attorney immediately to recover damages.
An attorney can also help you negotiate a fair amount from insurance companies when you’ve been involved in an accident. Insurance providers are looking out for their own best interests, not yours, and will try to offer you the lowest amount possible for your injuries. You need the help of a qualified California injury attorney to ensure that your rights are protected and that you receive fair compensation. Consult with an attorney today for help paying your medical bills!
