In the truly unfortunate event that you are unable to work due to illness, you can take a few integral steps to ensure that your bills continue to be paid and your credit stays in good standing. If you are sick and cannot work, there are a few things you need to do in order to protect yourself and ensure that you continue to receive benefits. Here is an overview of what you should do if illness keeps you from working.
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Apply for benefits
The first step you should actually take if you are unable to work due to illness is to apply for benefits. You can apply for benefits through the local council your local job center. In order to really qualify for benefits, you must meet certain requirements, such as having worked a certain number of hours in the past or having a certain number of dependents.
If you are unable to work, you may also be able to receive benefits from your employer. Contact your human resources department to find out if you are eligible for any sick leave or disability benefits.
Get help with bills
If you are unable to work and do not have any income coming in, you may actually be able to get help with your bills. You can contact your creditors and explain your situation. Many creditors are really willing to work with you if you are having difficulty making payments. You may actually be able to negotiate a lower monthly payment or put your account on a payment plan.
If you need help paying for basic necessities, such as food or housing, you may be eligible for assistance from your local council. You can contact your state’s welfare office to find out what programs are available.
Use your critical illness insurance policy
If you have a critical illness insurance policy, you can use the money from the policy to pay for things like rent, utilities, and food. This money can be a great help in times of need. Companies like Future Proof specialize in critical illness insurance. You should definitely visit it if you’re thinking about getting one of these policies. They can be really helpful as you go through a tough time.
Rely on your friends and family
If you are unable to work, according to Mencap, your friends and family can be a great source of support. They can help you with things like childcare, transportation, and groceries. If you need help with your bills, they may be able to lend you money or help you find assistance programs. This means that you can focus on getting better and not worry about how you are going to pay your bills.
Use your savings
If you have savings, you can use them to pay for things like rent, utilities, and food. However, you should only use your savings as a last resort. It is important to have enough money saved up in case of an emergency. It also important to remember that you will need to replace the money you spend from your savings.