When you are too injured or hurt to perform your normal duties at your place of work, there are a few different types of financial support that you might be eligible to receive. Some of these financial support solutions include the Social Security Disability Insurance (SSDI), state disability benefits, and workers’ compensation. However, knowing which type of financial support you may claim can be the trickiest part of this situation.
Disability Benefits vs. Workers’ Compensation
The benefits of workers’ compensation are often provided to you to you anytime you get injured or hurt on the job, regardless of who was technically responsible for causing the injury. As it is explained under state laws, the majority of employers are obligated to cover all the injuries that happen to employees on the job. Workers’ comp policies act as an alternative to litigation while still providing financial compensation.
On the other hand, disability benefits provide injured employees with weekly benefits if they are injured while not at work. The main difference here for employees is that coverage for a work-related injury comes from the employer’s workers’ compensation policy provider; disability compensation for a non-work injury would come from the government.
If the insurance company or employer is disputing a workers’ compensation claim, an injured worker might receive state disabilities until the is dispute resolved.
Can I Receive Workers’ Comp and Social Security Disability Insurance Benefits Concurrently?
Yes, an injured worker receiving workers’ compensation lost wage checks can also receive social security disability checks. There are some limited instances where the workers’ compensation checks can be reduced if you are also receiving social security and the sum of these payments exceeds a certain amount.
Can I Receive Workers’ Compensation and Unemployment Benefits Concurrently?
No. You cannot receive unemployment benefits while also receiving workers’ compensation payments for a temporary disability. However, if you have been terminated and have not seen a workers’ compensation doctor, or if the work comp doctor wrongfully returns you to work with no restrictions, then you can apply for unemployment benefits and receive payments until such time that work comp begins paying you and then unemployment would have to cease.
Do You Need a Lawyer?
The entire process of determining your compensation benefits can be difficult to navigate. If you are still dealing with the aftermath of the illness or injury, it can be more difficult. Consider getting the help of an experienced workers’ compensation lawyer suhc as the port St. Lucie Work Injury Lawyer to receive the correct amount of money you are entitled.
A special thanks to our authors at Franks, Koenig,& Neuwelt for their insight into Workers’ Compensation.