The Financial Impact of Spinal Cord Injuries

When insurance companies calculate spinal cord injury settlements, they often focus solely on immediate medical expenses. Our Dallas, TX spinal cord injury lawyer here at Kelso Law regularly sees costs that extend far beyond initial hospital bills. These additional expenses can significantly impact a family’s financial stability for years to come.

Home modifications represent one of the largest overlooked expenses after a spinal cord injury. Doorways may need widening, ramps must be installed, and bathrooms often require complete renovation. Insurance typically classifies these as “optional” improvements, leaving families to shoulder these essential costs. Transportation also becomes more challenging, potentially requiring specialized vehicles with expensive modifications.

Career and Income Effects

Many individuals find themselves unable to return to their previous occupation after a spinal cord injury. While some insurance policies offer short-term disability coverage, the long-term impact on earning potential often goes unaddressed. At Kelso Law, we’ve seen cases where career changes necessitate additional education or training – expenses that insurance rarely covers.

Daily Living Adjustments

The costs of personal care assistance often exceed insurance coverage limits. Whether it’s hiring professional caregivers or compensating family members who must reduce their work hours, these expenses add up quickly. Additionally, regular physical therapy sessions, medical equipment maintenance, and replacement parts frequently fall outside standard coverage.

Technology and Adaptive Equipment

Modern adaptive technologies can significantly improve quality of life, but insurance often labels them as “non-essential.” From specialized computer equipment to smart home devices, these tools carry substantial price tags. As your Dallas, TX spinal cord injury lawyer, we work to include these vital expenses in compensation calculations.

Mental Health Support

While insurance might cover initial psychological counseling, long-term mental health support often falls short of what’s needed. Both injury survivors and family members frequently require ongoing counseling to address adjustment challenges, relationship changes, and emotional well-being.

Personal Lifestyle Changes

Recreational activities, hobby equipment, and social engagement often require modification or adaptive equipment. These costs, while crucial for maintaining quality of life, typically receive no insurance coverage. Even everyday items like clothing may need alterations or special designs to accommodate medical devices.

Moving Forward With Support

Our team at Kelso Law understands these hidden costs because we’ve helped numerous clients account for them in their legal claims. With over five years of experience handling spinal cord injury cases, we work to calculate both current and future expenses that insurance won’t cover.

Don’t let insurance gaps compromise your recovery and quality of life. We offer free consultations to discuss your case and identify often-overlooked expenses that deserve compensation. Call us today o speak with our team. As your advocates, we’ll fight to secure the full compensation you need, not just what insurance wants to pay. Let us help you plan for both immediate and long-term financial needs while you focus on recovery.