Protecting Your Child After an Injury: A Parent’s Guide

When your child is injured, you need clear information about their rights and care options. This guide explains the most important things you should know in simple terms.

Understanding Growth Plate Injuries

Children’s bones are different from adults’ because they’re still growing. At the ends of long bones are growth plates – special areas where bone growth happens. These areas are weaker than the rest of the bone and can be injured more easily.

What you need to know about growth plate injuries:

• They happen twice as often in boys as girls
• One-third come from sports injuries
• They can cause permanent problems if not treated properly
• Always get proper medical attention – don’t let your child “tough it out”

Treatment typically includes:

• Immobilization (casts, splints)
• Possible manipulation or surgery if bones are out of position
• Physical therapy
• Regular follow-up visits with X-rays

Financial Protection for Your Child

Structured Settlements

A structured settlement provides tax-free payments over time instead of one lump sum. This can be helpful for:

• College tuition
• Housing costs
• Ongoing medical expenses

The payments can be scheduled when your child needs them most, and the total amount received can be greater than taking one payment now.

Special Needs Trusts

If your child has a disability from their injury, a Special Needs Trust can:

• Protect their settlement money
• Allow them to keep government benefits like Medicaid
• Ensure funds are used for their care

Court Approval Process

Nearly all states require court approval before settling a child injury case. This process includes:

• Appointing a guardian for your child (usually you as parent)
• Presenting detailed information about the injury and treatment
• Explaining the settlement terms
• Showing how much your child will receive after all costs

After approval, the money is typically held in a protected account until your child becomes an adult.

Important Action Steps:

1. Always seek proper medical care for bone injuries
2. Consult with experts about settlement options
3. Consider long-term financial planning, not just immediate needs
4. Understand that court approval is designed to protect your child

Remember: Your child deserves full compensation for their injuries and the best chance at recovery. Call me.