Education
Returning to Work After a Personal Injury: Financial Considerations
• 2 min read
Returning to work too early can hurt both your health and your case. Funding helps you wait until you're ready.
Returning to work before you're medically ready can extend recovery, worsen injuries, and weaken your case by undercutting damages claims.
Returning too late, on the other hand, can raise mitigation-of-damages issues if your treating providers have cleared you.
The right time depends on your specific injuries, job demands, and treating physician guidance — not financial pressure.
Pre-settlement funding takes the financial pressure off the return-to-work decision. You can follow medical advice instead of the bills.
AARC funds qualifying cases through extended recovery and disability periods.
Call (800) 297-3834 or apply online to take return-to-work pressure off.
Frequently asked questions
- Will taking an advance reduce my settlement?
- The advance plus its flat fee is repaid out of the settlement, so your net proceeds are reduced by that amount. It does not affect the gross value your attorney negotiates.
- Is a pre-settlement cash advance a loan?
- No. It is non-recourse funding tied to your personal injury claim. There are no monthly payments, and if your case does not recover, you owe nothing.
- Do I need good credit or a job to qualify?
- No. AARC does not run a credit check and does not require employment or income verification. Approval is based on the strength of your claim and your attorney's representation.
- How fast can I get funded?
- Most approved applicants receive funds in as little as 24 hours once AARC has the case documents from your attorney.
- How much does it cost?
- AARC uses a flat fee rather than compounding monthly interest. Typical advances are $500, $750, or $1,000, and the illustrative payoff at settlement is 2x the advance amount.
About the author
Written by the funding team at AARC — Accident Advance & Resource Center. AARC underwrites pre-settlement cash advances for personal injury claimants and works directly with plaintiff attorneys across 45 states. Our team reviews case documentation daily and writes from that firsthand experience.
This article is general information, not legal or financial advice. Always confirm details with your attorney. Contact AARC or call (800) 297-3834 with questions about your specific case.
