Suffering from a catastrophic injury is a major life disruption. It can take 18 to 24 months for your case to resolve. If you can’t work, you’ll need to find ways to meet your needs in the meantime.
Some of your needs will be met by existing insurance policies. For example, if you have health insurance they may pay all or most of your medical care claims today, and then will seek reimbursement from the personal injury settlement since the negligent party’s insurance company is responsible for paying those funds. In addition, your own insurance policy’s personal injury protection (PIP) coverage often provides some money as well.
That’s why we’ve put together this list of resources. You can get help while you wait.
NYC Pre Settlement Loan Companies
Pre Settlement loans won’t be the best option for everyone. They can come with high interest rates and fees. Some may find it wiser to rely on family members or friends while waiting for their settlement, to attempt doing some work on a freelance basis, or to look for other options. Yet in some cases, they can be absolute life savers. You should weigh your options carefully.
Most of these companies base these loans primarily on the strength of your case. Many allow you to pay nothing at all if you lose your litigation, simply because they know most cases settle for a fairly predictable amount and within a fairly predictable range. Many of them don’t require you to undergo credit checks or employment verification, as they know many accident victims may be out of work and struggling to maintain good credit.
NYC Charitable Organizations
If you need direct, emergency help with the costs of day-to-day living there are plenty of organizations in New York City that offer assistance.
- The NYC Food Bank
- This map, which shows the locations of soup kitchens, food pantries, City Harvest mobile markets where you can get low-cost food, grab-and-go meal distribution sites, and restaurants which offer free food distribution.
- Community Service Society offers emergency rent and mortgage arrears grants for up to two months to New Yorkers who are at risk for being evicted.
- The Water Debt Assistance Program
- HEAP, which provides money for heat and utilities.
- Emergency Rental Assistance
- A list of job training and placement programs for people with disabilities.
You might also be eligible for SSI, SSDI, Medicaid, TANF, SNAP, Section 8 and other government assistance programs while you are waiting for your settlement check to arrive. If you are trying to train for a new profession which is compatible with any current physical limitations you may also be eligible for student financial aid.
Help From Your Lawyer
One way that our office can help you is by keeping creditors and collectors off your back. If you have major bills that are threatening to sue, especially accident-related bills, child support payments you’re now struggling to make, or other major financial problems, you can send those creditors to us.
We let them make a claim against the eventual settlement in return for leaving you alone. That means they take no collection actions whatsoever, buying you some breathing room while you wait and work to get back on your feet.
You are not alone after a major accident, not even if you don’t have family members or friends around to help you. We are here to support you, and we have helped many others in your circumstances. Call us today to get help with your catastrophic injury case.
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Meet Mr. Richman
SCOTT B. RICHMAN, ESQ.
Mr. Richman is the Managing Member and Founder of Richman Law Firm PLLC. In his role as Managing Member, Mr. Richman oversees the day-to-day operations of the firm and handles the litigation of the most complex legal matters across a vast array of practice areas and disciplines.