I’m Jared, a 28-year-old independent floor installer here in Billings. Last week, while carrying materials on a frozen walkway, I suffered a catastrophic slip and fall. The impact completely tore my meniscus and sprained my ACL, leaving me unable to stand or walk without intense pain.

The reality of being an independent contractor is brutal: if I don't work, I have zero income. I underwent emergency knee stabilization, but my doctor has barred me from any physical labor for the next eight weeks. Even with my basic high-deductible health insurance, my personal out-of-pocket surgical costs and medical equipment bills have hit $5,700.

I am raising $5,700 to cover these medical debts and ensure I don't fall behind on my rent on S Crestwood Dr while I'm completely sidelined. I’ve always worked hard to pay my own way, but this winter accident has left me completely trapped. Any small donation or share helps my family survive this crisis. Thank you so much.