Differentiating Disability Benefits from Workers' Compensation

When you incur an injury that would make it impossible for you to effectively do your job in the workplace, you’ll be entitled to some kind of financial support. This would include workers’ compensation benefits, social security disability insurance or SSDI, and state disability benefits. These are three different things, and it would be helpful for you to know the difference.

The first distinction between the two is their respective purpose. Workers’ compensation benefits are meant to be an alternative to litigation. Instead of suing your employer for getting injured in the workplace, you get benefits instantly from a fund that employers are required by law to maintain. On the other hand, disability benefits are given to you as a kind of support from the state when you get injured and are no longer able to work for a while. Both, however, are meant to help you make up for lost income.

There’s also a difference in the claims process. Workers’ compensation can sometimes be disputed by the insurance company or the employer. Meanwhile, disability benefits are more of an application process – so long as you comply with the requirements, you’ll get the benefits. As such, you can rely on state disability benefits while the case on workers’ compensation is to be resolved, subject to reimbursement.

Finally, workers’ compensation lasts until you recover from the injury. State disability benefits, however, have a more absolute period as provided by law.

Generally, you’re not entitled to receive both simultaneously for the same reasons. But there are instances that give rise to exceptions, such as when you can’t return to work for some reason, you can be entitled to unemployment benefits. But this exception can be tough to point out. Workers compensation lawyers in Chicago will definitely be able to find ways to maximize all these benefits.