The Cost of Delayed Recovery: What Happens Without Trauma Coverage

Just imagine this for a moment.

That would never happen to me. It’s a mentality we hear all the time at American Trauma Insurance. We get it: Life is a lot more carefree, fun, and easy to plan for when you’re relentlessly optimistic. 

But at ATI, we’ve seen what happens when the other shoe drops. And while we don’t love painting a depressing picture and would prefer to focus on hope than on fear, we do love knowing that our clients are fully prepared for any “what-if” they never thought they’d face.

So, stick with us for a moment. Imagine going through a traumatic event without a plan in place. No trauma coverage. No immediate access to qualified specialists. No financial buffer for the time and care recovery demands.

Could any of these scenarios happen to you?

The Experienced Nurse

You’re years into your nursing career when the unthinkable happens: a frustrated patient lashes out during morning rounds and assaults you. You’re out of work for weeks while your arm heals, counting the days until you can get back to your routine—and your steady income. But when that day comes, you realize you’re not as ready as you hoped. Anxiety sets in. The hospital, once your second home, now feels unpredictable. Your husband doesn’t know how to help. And your supervisor, while compassionate, is starting to wonder if you’ll ever return. 

With Trauma Coverage:

You could’ve been seeing a local therapist right away, and you would’ve received 100% of your regular pay. Eventually, you’d bounce back and return to the nurse you always were—treating others with confidence and compassion.

The reality:

Hospital violence has led more than 26% of healthcare workers to consider quitting. Read more: Addressing Workplace Violence in Healthcare: Readiness and Recovery Strategies.

The Father of a College Student

Your daughter has just started her junior year across the country. One night, your phone rings. There’s been a serious car accident on campus involving her and a few friends. Fortunately, she will physically recover, but it’s going to take time, and she wants to remain where she is. You spend the next few months flying back and forth to check in on her, missing paychecks and losing sleep. You keep telling yourself you’re fine—she’s the one on crutches—but the worry doesn’t go away.

With Trauma Coverage:

Both you and your daughter could have benefitted from virtual appointments with a trauma counselor. Your missed work days would be covered, and thanks to the Student Financial Assistance Benefit, your son could’ve received $100 per day until she returned to class.

The reality:

In 2023, medically consulted injuries in motor-vehicle incidents totaled 5.1 million, according to the National Safety Council.  

The Restaurant Owner

During the day, your restaurant is calm, quiet, and completely manageable. But at 9 p.m., the lights dim, the music gets louder, and the vibe shifts from dining to dancing. Then one night, it all goes wrong. A fight breaks out between patrons. A few staff members are injured, furniture is damaged, and within minutes the police—and the news—arrive. The weeks that follow are overwhelming. You’re forced to close for repairs, pay employees while revenue halts, handle legal fees, and face the fact that your reputation may never recover.

With Trauma Coverage:

Specifically with Workplace Violence Expense Insurance, you could’ve been covered financially for all of the following, and more: fees for an independent crisis-management consultant, salaries for victim employees, crisis-related legal fees, and coverage for lost income due to having to temporarily close the office.

The reality:

Incidents of workplace violence are on the rise across nearly every industry. 

Can’t see yourself in any of these situations? Take an honest look at your every day. If you or your loved ones spend time somewhere even remotely unpredictable—where customers, clients, or the public come and go—it’s smart to research trauma coverage before it’s too late. 

We help individuals and employers plan for the unthinkable so recovery doesn’t come at the cost of everything else. Get started today.

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