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Workers comp and disability benefits can be hard to understand

On Behalf of | Jul 13, 2018 | Firm News

Most of us don’t plan on getting becoming ill or getting hurt while on the job, but if you have, then you may be wondering whether you should file a workers’ compensation or disability benefits claim.

Virtually every employer is required to take out workers’ compensation coverage to cover any injuries one of their workers suffers while on the job. For example, if you work in a warehouse and hurt your back while on the clock, then you’ll likely be able to file a workers’ compensation claim to cover medical bills.

As for disability payments, there are two types. There are those administered by the state and the federal government. Both are types of compensation that are intended to help injured workers cover their expenses when they’re unable to work in their customary role at work.

In many cases, a worker who receives workers’ compensation can also receive state disability benefits, especially if what Missouri offers is greater than what is available under your employer’s policy.

Disability payments paid by the state generally continue for a maximum of 52 weeks. In contrast, workers’ compensation is only intended to be temporary. It remains in effect only until either your condition improves or becomes permanent. If the latter occurs, then you may qualify for SSDI.

Those who qualify to received federal disability benefits such as SSDI are those who either have a terminal illness or are expected to remain disabled for over a year. It, therefore, may be possible for a worker to qualify to receive SSDI while still receiving workers’ compensation coverage depending on the injury that they suffer.

The amount of federal benefits that you receive may be reduced if you’re receiving workers’ compensation as well.

It’s important to note that not every person who is hurt on the job or is unable to return to work will qualify to receive SSDI. Instead, a worker must have previously paid into the system in addition to having a qualifying injury or illness in order to be eligible to receive any federal benefits.

Many who apply for disability benefits are found ineligible because evidence of permanent injury wasn’t provided. If you’re suffering from a serious condition that affects your ability to work, then it can help to have a St. Louis Social Security Disability benefits attorney review your case to ensure you get the benefits you deserve.