Spinal cord injuries come from a variety of accidents, including slip and falls and car crashes. No matter what caused the spinal cord injury, the potentially devastating impacts remain the same.
While the physical and emotional tolls are difficult to deal with, the financial impacts are also great. These financial impacts are troublesome because the effects of this aspect can trickle into every other part of life.
Type of injury matters
One of the primary factors that affects what type of expense the victim will incur is the location and type of injury. A person who is injured higher on the spinal cord is going to have more effects of the injury than one that is on a lower area of the spinal cord.
Whether the injury is complete or incomplete also has an impact on what types of impacts the person has to deal with. Typically, complete spinal cord injuries are worse than incomplete spinal cord injuries.
The most common type of spinal cord injury is one that leads to incomplete tetraplegia. This means that all four limbs are impacted in some way. Coming in behind that category is incomplete paraplegia, which impacts only the legs. Complete paraplegia and tetraplegia round out the list.
Costs come from a variety of things
There are many costs that come with a spinal cord injury. While medical care is likely going to be the largest expense incurred, others are also present.
When you determining the cost of the spinal cord injury, you need to think about therapy expenses, medications, medical equipment and similar factors. You also need to think about the total of lost wages and benefits due to the inability to work. This can be considerable and the lack of income will present significant challenges.
Other expenses to think about include having to retrofit the home to accommodate a wheelchair and other necessary assistive devices. Sometimes, modifications to a vehicle or purchasing a new vehicle is necessary. These also up the expense of the injury.
Finding the balance between income and expenses when you have a spinal cord injury is often difficult. You must ensure that you are looking all the options to get things covered. This can include filing for disability, using insurance coverage and seeking compensation. Other options should also be evaluated to determine if they can help.