11 Mar Workers Compensation and Disability Frequently Asked Questions
When you are hurt or too injured to work, you may be entitled to Workers’ Compensation, Disability Benefits, and other types of financial assistance. Here are a few common FAQ’s on the differences in Workers’ Comp and Disability.
What are the Similarities and Differences in Workers’ Compensation and Disability Benefits?
Disability Insurance pays a weekly benefit when an injury or illness is NOT caused by or related to work. The Disability Insurance benefits are paid for a temporary period of time only.
Both disability and workers’ compensation provide financial assistance to employees who suffer injuries or illnesses. Benefits typically pay a portion of wages until the worker can return to work.
What Are The Limitations to Workers’ Compensation and Disability Benefits?
Both disability and workers’ compensation plans have limitations. Workers who take time off for injury or illness whether work-related or otherwise, do not receive their full salary. In some cases, disability insurance benefits pay less than 50 percent of a worker’s salary. Also, workers must pay an additional premium to cover possible long-term injuries or illnesses.
Who Reports A Claim?
Workers who have a workers’ compensation claim must report the injury to their employer as soon as possible. Employees must complete a claim form and employers must offer a workers’ compensation claim immediately. It is the employer’s responsibility to arrange medical assistance through workers’ compensation insurance. Disability claims are initiated through the employer as well, but the insurance provider pays benefits toward the claim.
Can you collect social security disability and workers compensation at the same time?
Some workers who are eligible for Social Security disability benefits may also be eligible to receive workers’ compensation benefits, if they have work-related illnesses or injuries. However, workers aren’t able to receive the full amount of Social Security benefits and workers’ compensation benefits at the same time.
Can you collect workers’ comp and short term disability at the same time?
You cannot receive Short-term disability (STD) while receiving Workers’ Comp benefits, but you may be eligible to receive a small percentage of the Long-term disability (LTD) benefit. The amount you receive from Workers’ Comp will be subtracted from the gross disability payment.
Workers’ Compensation Attorney Jeffrey M. Bloom
Contact the Law Offices of Jeffrey M. Bloom today if you’ve been injured while on the job. Mr. Bloom can help provide legal advice and navigate the issues around filing a workers’ comp claim. Contact us by emailing or calling us at 855-208-3650 for a consultation.