It is nice that drivers in your center pitch in to help but I like to take care of my own business so I have supplemental health, accident and injury insurance through Combined, which is similar to AFLAC but not nearly as expensive. For roughly $100/month I am protected both on and off the job. Every time I go to the ER I receive a check for $300. I received $1100, which was in addition to comp, when I had surgery several years ago. These policies, while they do not replace my income, do provide supplemental income while I am out of work, whether the injury/accident/illness occurred while I was working or not. Check with your creditors to see if they will allow you to skip a payment while you are out of work--you may be surprised how many will do this for you. Check with your Local to see if they will help. Use this injury as a opportunity to plan for future injuries as we all know that this job has more than its share of injuries.