What Is the Difference Between Workers’ Compensation and Disability Benefits?
There are some different avenues of financial support should you sustain an injury that disables you from performing normal duties at your job. Some programs designed to assist injured workers include state disability benefits, worker’s compensation and Social Security Disability Insurance (SSDI). You may be confused about which applies for your particular situation; read the guides below to learn the differences between them.
Workers Compensation vs. Disability Benefits
Most employers are required to provide worker’s compensation benefits to cover injuries employees might sustain on the job. Benefits are usually provided regardless of whoever was technically responsible for your on-the-job injury. Worker’s compensation is meant to be an alternative to a suit of the company for liability.
Disability benefits provide weekly benefits to someone who is unable to work due to an injury that occurred outside the workplace. Worker’s compensation comes from an employer’s policy provider because of an injury that occurs at work. That is the main difference–disability benefits come from the government for non-work related injuries.
Disability benefits may also be available from the state if an insurance company of employer is disputing a worker’s compensation claim from an employee. They could receive those benefits until the claim is either compensated or denied.
Can I Receive Both SSDI and Worker’s Compensation Benefits Simultaneously?
In some special circumstances someone may be able to receive SSDI and worker’s compensation benefits. If you are suffering from a terminal illness and/or if you are disabled and will remain so for at least a year, you may be able to receive both types of compensation. SSDI benefits may be reduced, however, if you have both.
Can I Receive Unemployment and Worker’s Compensation at the Same Time?
Usually you cannot receive both when suffering from a temporary disability. If your doctor decides you are too injured or ill to work, you may be eligible for unemployment benefits should your employer find a replacement for you.
Should I Hire a Lawyer?
If you are still experiencing suffering after your injury or illness, it can be difficult to go through the process of applying for benefits. Consider setting up a consultation with a work injury lawyer such as the workers compensation lawyers Nassau County locals trust to discuss which benefits will best suit your injury. Discuss the particulars of your injuries and how much compensation you should receive should you pursue a personal injury claim.
Thanks to authors at Polsky, Shouldice, & Rosen P.C. for their insight into Workers Compensation.