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Discussion in 'Business Operations' started by South Hills Lawns, Sep 16, 2019.
what would you do, as a solo operator, if you were injured long term?
I broke my hand a few years ago, towards the end of the season. I worked through it with a cast on little after a week. I had to turn down a lot of work. Hire help if you can. It sucks either way.
depends on the injury
File a claim on long term disability benefits.
Before you get hurt buy a disability policy so that you have it Incase you get hurt.
Go from solo to employer.
Easier said than done. I have a lot of health problems and my doctor basically said I would never get it because of my age and education.
It's tough man. I think of this every day. I went out for foot surgery and gallbladder just a few days apart. Luckily it was winter and my dad was able to do the minimum to get me by. This is exactly the reason I don't like this business. You find help, they don't stick around or they do sub par work, and act like they don't have a brain. You try to do it solo, then you get hurt, then you are out of luck.
That is very expensive to get enough to make a living. I can't get it now because of an anuto immune disease. But it's expensive in this line of work. That is a great thing to have though. Just have to make extra to afford it. I mean You start getting over $2000 per month and the price is going to be up there.
I priced out Long Term Disability couple of years ago. It was insanely expensive. I couldn't believe it. It was based on how many thousands of dollars of income you have (or want covered I guess). Then, you decide if you want coverage for being unable to do your specific occupation or for being unable to basically do any job.
I believe (I MAY be remembering the exact amount wrong) it was $100 yr for every $1k in coverage. Cover $100k and your paying $10,000 yr. I don't remember the exact parameters I set. Again, my numbers may be a bit off as it was like 3 yrs ago so I don't remember exactly. It was just super expensive. Also, I'm very healthy so whatever that's worth.