When you’re in rehab, the entirety of your focus needs to be on improving yourself and developing healthy habits. That’s hard to do when you’re constantly worried about how you’re going to pay the bills. Don’t let these worries stop you from seeking treatment. Here are some ways you can pay the bills while in rehab, as well as manage debts and income.
Prepay Your Bills
If you know you’re going into rehab in the near future, you can prepay your bills. This is an especially good idea for bill amounts that are the same from month to month. Bill collectors are sure to have no problem receiving early payments as opposed to late payments.
It can be hard to do this very far in advance, since your bank account may not have sufficient funds to pay more than a few months’ worth of bills.
Set Up Automatic Payments
Rather than fretting about successfully meeting due dates, you can set up payments to be automatically deducted from your bank account. However, this can be problematic if you’re not receiving an income while you’re in rehab.
Use a Personal Loan or Credit Card
Now is the perfect time to use your credit card or apply for a personal loan. This can provide enough funds to pay off bills and debt, or even cover living expenses if you’re attending an outpatient program. Just make sure you account for paying the loan back, since financial stressors can often lead to a relapse after treatment.
Turn to Family and Friends
You may be embarrassed to tell your friends and family you’re going into rehab, but they’re sure to support the fact that you’re trying to get help for your addiction. They may not mind lending or giving you money to cover your expenses. Pride could, understandably, get in the way of asking for help, but you may be surprised at the outpouring of generosity. A little embarrassment is better than late payments, fees, and aggressive calls from bill collectors. Family can be a vital source of support throughout your recovery process.
Appoint a Financial Guardian
It may be helpful to appoint a financial guardian to take care of your debts and bills. A financial guardian is a trusted family member or friend who has access to your accounts and keeps an eye on your bills to ensure they’re paid on time. There could be unexpected expenses that crop up while you’re in rehab, and your guardian will be the one to take care of them. If you like, you can draw up a legal agreement that gives that person the right to manage your accounts, which could give you both peace of mind and legal protection.
Receiving Short-Term Disability
Your employer may offer short-term disability that helps with bills and living expenses. Usually, disability does not pay your entire salary, but it can still help you get by and is certainly better than having no income.
Using Paid Vacation Time
If you use paid vacation time to go to rehab, you will be able to maintain your regular salary while getting the help you need. Treatment programs vary in length, and you may not be able to complete an inpatient treatment program using accrued vacation time. Still, paid days off can help you get through as least part of your treatment.
Attending Outpatient Rehab
The best solution may be to attend an outpatient treatment program and continue to work. This ensures you are receiving your full salary while also getting the help you need. Most programs have flexible hours including evenings and weekends.
Rehab After Work offers outpatient drug and alcohol addiction treatment for adults and teens. If you are looking for a way to receive help while maintaining your daily routine, contact our treatment professionals to discuss what program may be right for you.