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Workers’ comp vs. disability: Details matter

As an office executive, you think that you are safe while in the workplace. However, dangers lurk everywhere, from a spill in the break room to loose carpeting in the lobby. Even years spent typing away on the computer can lead to debilitating cases of carpal tunnel syndrome.

Imagine that you do have an accident at work one day. You finally tripped on that loose piece of carpeting in the lobby and ended up in the emergency room with a nasty concussion. Head injuries, even seemingly minor ones, can have lasting effects. Due to the possible long-term effects of the injury, you are now wondering if you are entitled to workers' compensation benefits or disability payments.

There are several types of benefits employees might be entitled to after a workplace accident: workers' compensation, state disability benefits and Social Security disability insurance. Knowing which benefits you are eligible for after an accident can be complicated to determine. Fortunately, a personal injury attorney in the Slidell area can help you through the process so that you can get the benefits you need. Read further to find out more about the difference between worker's compensation and disability benefits.

Workers' comp

In general, most employees file a claim for workers' compensation benefits after a work-related accident. Benefits typically include partial compensation for lost wages, medical treatment and vocational rehabilitation. By accepting workers' compensation benefits, you give up the right to sue your employer for additional money.

Disability compensation

You can apply for state disability benefits if you suffered an injury off the job but you are unable to work. The benefits may be temporary and only cover the time that you are unable to work. However, if you have a permanent disability, you may be eligible for long-term benefits. Usually, the state pays disability benefits for up to 52 weeks.

Receiving disability and workers' comp

In some cases, a worker might be able to receive Social Security disability benefits simultaneously with workers' compensation. You must be disabled, or expect to suffer from a disability for more than one year, and have paid into the system in order to file for both workers' compensation and disability. However, the total amount of disability benefits you can receive might be reduced by the amount of workers' compensation you are getting.

Filing for workers' compensation or disability benefits can be a difficult process. If you have suffered a work-related injury, take the necessary steps to get the compensation you deserve.

Source: Nov. 30, -0001

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