Injured workers are entitled to a few types of financial support, like
workers’ compensation and
Social Security disability insurance (SSDI). However, determining which benefits you qualify for can be a tricky matter.
In this blog, we explain some of the key differences between workers ‘comp and SSDI.
What’s the Difference?
States require employers to carry workers’ compensation insurance
to cover any injuries sustained by their workers. Workers’ comp
is intended to be the alternative to litigation. On the other hand, SSDI
benefits are intended for people who were injured away from work but cannot
work at their normal or customary job. The biggest difference between
the two benefits is that workers' comp covers injuries that the employer
would be liable for, while disability benefits are not actually paid through
your employer, but they are still intended to help make up for lost income.
If an employer or insurance company is disputing your workers’ comp
claim, the state can still provide disability payments until the dispute
comes to an end. However, if you workers’ comp claim winds up being
successful, the state will ask that you to pay them back. Workers’
comp benefits are paid until your condition becomes permanent or stabilizes.
After your condition becomes permanent, you might be eligible to receive
permanent disability benefits.
Can I Receive Workers’ Compensation & SSDI Benefits?
In some circumstances, an industrially injured worker can receive both
SSDI and workers' compensation benefits. If you become disabled, expect
to be disabled for more than a year, or have a terminal illness, you can
use both SSDI and workers’ compensation benefits at the same time.
In order to do this, you must have paid in the necessary funds to be covered
under the Social Security disability system.
Want to learn more about the differences between SSDI benefits and workers’
Contact our team of Glendale workers’ comp attorneys
to find out how we can assist you today.