Lost Wages: How to Survive When You Can't Work After an Accident
4 min read read
Published Apr 2, 2025
The Double Whammy
A serious accident hits you twice. First, there is the injury itself—the pain, the surgeries, and the medical appointments. Second, there is the inability to work. Suddenly, the steady paycheck you relied on to pay the mortgage stops coming in.
While your personal injury lawsuit will eventually demand compensation for these "Lost Wages," that money comes at the end of the case. That doesn't help you pay the bills due this Friday. This gap causes immense stress for families living paycheck to paycheck.
Documenting Your Loss
To recover these wages later (and to qualify for funding now), you must document everything. You cannot just tell your lawyer "I missed work." You need proof.
Make sure you provide your attorney with:
• Pay stubs from before the accident showing your average earnings.
• A letter from your employer confirming the dates you missed.
• Medical notes from your doctor explicitly stating you are "not cleared for work."
Using Funding as Income Replacement
Pre-settlement funding is often used as a temporary income replacement. Since we know your settlement will eventually cover these lost wages, we can advance you a portion of that money now.
For example, if you are missing $3,000 a month in income, we might approve a series of smaller advances to help you simulate a paycheck and keep your household running until you are medically cleared to return to your job.
