When injuries result in paralysis, lives change forever. Victims must deal with the physical consequences of their devastating injuries. Relearning how to talk and feed themselves becomes top of mind for many families. But the reality is that hospitalization, rehabilitation and subsequent care costs a lot of money.
The estimated lifetime cost for a 25-year-old paraplegic is $2.5 million, and this number does not include loss of income. How can anyone manage such a huge life change when bills loom.
What expenses will the injured incur?
Knowing what to expect will help ease financial shock. Soon after the accident, hospital bills will begin to arrive. These costs will cover surgeries, ambulance rides and any other care received at the institution. Once discharged, home healthcare will likely follow. These costs include a home nurse, a medical-grade bed, and other mobility equipment like wheelchairs, oxygen tanks, and accessories. Patients will also attend physical rehabilitation programs and endless follow-up appointments. Many need mental health care to help them cope with their new normal. Though things will slow down after a while, these needs will follow patients throughout their lives.
How can families pay?
Most insurance providers cannot deny coverage to disabled people under the Affordable Care Act. But insurance companies are difficult to deal with, and sometimes their coverage is not enough. If paralysis occurred after a car crash, the other driver might be accountable. It is essential to work with an experienced attorney who can help victims receive compensation.
A diagnosis of paralysis is distressing. With love, patience and help from others, families can find a way through.