Workers’ compensation benefits are available to most employees injured on the job or developing an occupational illness. These benefits can provide income replacement, medical expenses, and other benefits to workers unable to work.
In addition to workers’ compensation benefits, other types of benefits may be available to injured or ill workers. These include private health insurance, state disability insurance, and Social Security disability benefits.
Knowing what other types of benefits may be available to you if you are injured or ill and unable to work is essential. This article will explain the different types of benefits that may be available to you in addition to workers’ compensation benefits.
What Other Benefits (other than Workers’ compensation) are Available if you are injured at Work?
You may be eligible for workers’ compensation benefits if you are injured at work. But what other benefits might you be eligible for? In addition to workers’ compensation benefits, you may be eligible for other benefits, including private health insurance, state disability insurance, and Social Security disability benefits. Let’s take a closer look at each of these benefits:
- Private Health Insurance
If you have private health insurance, you may be covered for some of your medical expenses related to your work injury. Check your policy to see what types of expenses are covered and what limits there are on the coverage.
- State Disability Insurance
State disability insurance programs provide benefits to workers who cannot work due to a non-work-related injury or illness. Each state has its program, so you’ll need to check with your state’s program to see if you’re eligible.
- Social Security Benefits
If you’re unable to work due to a disability, you may be eligible for Social Security disability benefits. To qualify, you must have worked in jobs covered by Social Security and have a medical condition that is expected to last at least one year or result in death.
How to Receive Other Benefits in Addition to Workers’ Compensation?
You must file a claim with the appropriate agency to receive these other benefits. Filing a claim for benefits can be a complicated process, so it’s essential to understand the requirements and deadlines for each type of benefit. An experienced attorney can help you navigate the claim process and ensure that you receive the total amount of benefits to which you’re entitled.
Private Health Insurance
In order to receive private health insurance benefits and workers’ compensation, you must have a policy covering work-related injuries. Check your policy to see what types of expenses are covered and what limits are placed on coverage. It is usually not included, as work-related injuries are covered in Workers’ Compensation.
State Disability Insurance
To receive state disability insurance benefits in addition to workers’ compensation, you’ll need to check with your state’s program to see if you’re eligible. Each state has its program, so eligibility requirements and benefits will vary. Some states require that you be a state resident for a certain period before you’re eligible for benefits, while others have no residency requirements. Once you know you’re eligible, you can apply for benefits by contacting your state’s program office.
Social Security Benefits
If you are injured or become ill and are unable to work, you may be eligible for Social Security disability benefits in addition to workers’ compensation benefits. To qualify for Social Security disability benefits, you must have worked in jobs covered by Social Security and have a medical condition that is expected to last at least one year or result in death. You can apply for Social Security disability benefits online, over the phone, or in person at your local Social Security office.
Conclusion
In conclusion, there are a few ways in which you may be able to receive other benefits in addition to workers’ compensation. You can file a third-party/personal injury claim, apply for Social Security disability benefits, or file an appeal if your claim has been denied. Contact Gaylord and Nantias, Workers’ Compensation Attorney ((562) 561-2669), for more information about your options.
