Other than your medical bills your lost time and earnings commonly called lost wages are the days and hours you were unable to work due to injury and medical appointments. In many instances you can claim your lost time and earnings, even if you’ve had no actual loss of money. For example, when your salary is paid because you have taken sick leave, or because of an Accident and Health Policy that is available to you.

DOCUMENTATION OF LOST INCOME: If you are regularly employed by someone else, ask your supervisor, to write a letter for you, on company stationary. This letter should include: Your name, position, rate of pay, number of hours you normally work and the number of days, and/or weeks, you missed because of the accident.

Be ready to discuss with the insurance adjuster the following:

#1. If your work demands heavy labor and/or lifting.

#2. If you lost any vacation time or sick leave.

#3. If there was any loss of future earning capacity.

#4. If you were absent from one or more business meetings.

#5. If you were unable to make appointments with important or potential customers.

#6. If you had an opportunity for an interview that may have led to a better job.

: Be sure to collect for the cost of any additional help you were forced to hire while undergoing medical treatment and/or recuperating. PREPARE YOURSELF AND BE READY TO DISCUSS: If your work demands heavy labor or lifting, how many hours you normally work each day and week, your average income per week, if your business lost money while you were laid up, and have proof as to how much.

To substantiate your claim you should consider presenting to the adjuster whatever documents will prove a loss in billing or services. Two simple examples would be:

#1. A diary or calendar showing appointment’s you had to cancel.

#2. Letters (or documents) which clearly reflect the reality of important business meetings you had no choice but were unable to attend.

COMMISSIONS AND OVERTIME: Commissions and overtime are absolutely legitimate losses you can claim. Be sure to obtain a letter from your employer, on his letterhead, spelling out the approximate amount of money you lost in commissions and overtime. This can be accomplished by reviewing last year’s figures, during the same period, then averaging them out for that identical space in time you were unable to work.

Be sure to collect for the full Gross wage’s you lost, not just the Net.