The financial cost of getting injured often doesn’t end with just getting general medical treatment. The injured person often experiences significant financial impact. Some are, of course, the hospital bills that may come from surgeries and medication needed. Alongside it is the possible costs of recovery such as physical therapy treatment. (Image Credit: Richard Catabay/Unsplash)
Some of the less obvious costs come from the person’s inability to work due to injury, as well as additional time needed to recover.
Falling down either on the same level or to a lower level might seem quite harmless. In fact, when asked, most people would put fall injuries under the less expensive ones. The truth is the complete opposite. Sometimes, of course, falls don’t cause injuries. However, around 20% of falls cause serious injuries such as head injury or broken bones. Healing broken bones is very expensive as it requires regular X-ray scans along with special materials and equipment to keep the bones securely in place. In addition, many sources claim that falls are the leading cause of traumatic brain injuries (TBI). These can be serious, especially if a person needs to take certain medications such as blood thinners. As such, falling should be taken seriously as it causes a financial impact to million of patients a year are hospitalized because of these injuries.
Road Traffic Injuries
Around 1.4 million people lose their lives every year as a result of road traffic crashes. More than half of these deaths are among vulnerable road users such as motorcyclists, cyclists, and pedestrians. Road traffic injuries can vary greatly from a few scratches and bruises to more serious injuries like broken limbs, trauma to the head, or spinal cord injuries, depending on the severity of the case. If the injury is too severe it will require multiple surgeries in order to save the victim’s life.
Medical treatment is usually very expensive, but it doesn’t just end with surgeries. More often than not, a person who was involved in a car accident will need a long recovery time. And in many cases, the affected person requires physical therapy treatment as well. During medical recovery, an injured person is unable to work, making it that much harder to pay off the growing cost of surgeries, medication, and physical therapy.
Manual Material Handling Injuries
Manual material handling is possibly the most difficult part of any construction work. This includes all of the tasks that require a person to pull, hold, carry, lower, or push materials. These activities increase the risk of painful strains and serious soft tissue injuries. Muscles, tendons, nerves, and cartilage are the soft tissues of the body. Injuring these tissues causes pain and suffering.
It may also translate to a loss of income from the inability to work. These injuries can also decrease the quality of life by making people less productive and unable to enjoy their hobbies. In addition to this, soft tissue injuries resulting from manual material handling can be quite costly to workers not only because of the simple injury treatment, but because it can result in chronic injuries that will need a life-long treatment. This includes different kinds of medications, and in many cases physical therapy as well.
Injuries that Result in Amputation
Amputations are by far the most expensive type of surgery in the US. Amputating a single limb cost up to one hundred thousand dollars in initial hospital costs. But the costs don’t end there as follow-up care is necessary after such a harsh surgery, which is usually half the price of the surgery. Amputations are always the last resort in treating a patient. Indeed, doctors will usually go to extreme lengths in treatment to prevent it. Sometimes, unfortunately, they are unavoidable. In these circumstances, the patient will have to carry the financial burden of the unsuccessful initial treatment and the cost of the surgery.
It doesn’t stop there. As with many previously mentioned injuries, general recovery time is needed. In amputation cases, this recovery time can be especially long. It will most often require extensive physical therapy. This leaves a lot of financial impact on the affected person with a decreased chance of going back to their field of work. As such, they experience further stress upon their financial situation.
Injuries can leave a serious financial impact on a person. It is yet another reason to take care to not get hurt.