The Department of Labor elucidates worker’s compensation as “…is a form of accident insurance paid by employers. No payroll deductions are taken out of employees’ salaries for this insurance. If you’re injured on the job or acquire a work-related illness, workers’ comp will pay your medical expenses, and if you can’t work, it will also cover wage-loss compensation until you’re able to return to work.”
Worker’s comp is a kind of insurance that an employer provides to their employees in lieu of litigation in the event of work injury/ illness. If you are in a situation where you are unable to work because of any work-related injuries or medical conditions, then you will be entitled to receive worker’s compensation (worker’s comp). Worker’s compensation also covers your medical costs until your injury or medical condition stabilizes. Worker’s comp is a state program so every state will have a different set of rules or laws for regulating it. Most states would require employers to have some sort of worker’s comp.
Social Security Disability Insurance (SSDI) benefits are administered by the Social Security Agency (SSA) of the state you reside in. You may qualify to receive disability benefits if you are unable to work due to a disability. SSA pays monthly benefits for a year or so, unlike worker’s comp. These benefits can be claimed even if your injury or illness or the medical condition is not associated with your place of work. The basic requirement for claiming these benefits is that your disability or medical condition matches the definition of disability as defined by SSA. Additionally, it should also be listed in SSA’s list of disabilities.
Things to know (Disability Benefits Center)
- Social Security Disability Insurance is a federal program whereas the worker’s comp is a state program.
- You can apply for Social Security Disability Insurance (SSDI) `benefits and worker’s comp simultaneously in certain cases.
- Worker’s comp is administered usually when you are unable to do your job due to your injury or medical illness that occurred while you were at work.
- Total income you receive from Workers’ Compensation and SSDI cannot be more than 80% of your previous income.
Representation
The tricky part lies in figuring out the finer details of the process. The good news is that with the right attorney you can turn this situation over. The attorney has to be well versed with the state laws. Our law firm has some of the most experienced SSDI attorneys who will be happy to assist you with your claim. Dial (855) 254-7841 and set up your free consultation.
(855) 254-7841
(855) 254-7841
