One of the hardest ways to lose employment is through illness, because no matter how amazing a job you have been doing, you sometimes are just too sick to be able to continue. The following looks at how to protect yourself against the worst effects of losing your job due to illness, as well as some advice on what to do if it happens to you.
Get Some Income Protection
Regardless of how well you look after your health, sometimes there is nothing you can do to prevent yourself from falling ill, and if the illness is serious enough, it could end up costing you your job. With income protection insurance you can protect your income from being undermined by illness or injury, allowing you to continue to have an income coming in, even if you are unable to work.
Save While You Can
Most people tend to take their health for granted, and then if their run of good health ends all of a sudden, they can find themselves in a serious financial dilemma. So during times when you are healthy, make the most of it, and be sure that you are putting some money aside in savings when you can. If you do have to face serious health problems in the future and can’t work as a result, your little pile of savings could prove to be a real lifesaver.
Prioritise Your Health
One of the best things that you can do to prevent ill health from sabotaging your life is to do everything you can to live as healthy a life as possible. Eating a healthy diet, getting regular exercise and being socially active can significantly reduce the chances of experiencing a serious health problem. So be sure you are being proactive with your health and well-being, and even if you do get sick, you will be far more likely to bounce back quicker than if you have long neglected your health.
What To Do If It Happens To You
Don’t Return Too Quick
If you have had a health issue serious enough that it has cost you your job, you need to give your body the best chance of recovering fully, and take as much time as you need before you head back into the work force. Obviously you may not have the choice if you desperately need the money, but if you can at all afford to, take your time to ensure that you are 100% well before you even think about looking for more work.
Depending on what happened to cause you to fall ill, you may be eligible for some sort of compensation, either through your workplace or elsewhere, so make sure that you research whether or not you are entitled to some sort of payout. You can even look for jobs that will suit you, even if you have been sick. This could mean moving from physical work to less labour intensive jobs such as web development, writing or even data entry.
Losing your job due to illness can create a lot of hardship for a family, but if you plan ahead, you will be able to bounce back a lot faster.