Workers’ Compensation, or Workers’ Comp, and Social Security Disability are the two largest programs in the U.S. which offer cash benefits to workers who sustain serious injuries or illnesses that render them disabled. Though both programs consider employment as the basic requirement for eligibility to make a claim, these still significantly differ with regard to details of eligibility. While the Workers’ Comp considers a person already qualified even on the very first day of his or her employment, Social Security Disability Insurance or SSDI requires a substantial work period and the payment of Social Security taxes which are automatically deducted from an employee’s monthly pay (this monthly tax, which is included in an employee’s paycheck, is called the Federal Insurance Contributions Act or FICA).
The type of injury or illness eligible for compensation, as well as the amount of benefits given by Workers’ Comp depends on the state. Though states may differ in some of the benefits awarded, these are sure to cover lost wages and cost of medical treatment, among others.
Workers’ Comp benefits are fast and sure financial benefits for workers who get injured on the job or who develop occupational illnesses due to exposure to hazardous substances. If an injury or an illness ends in disability, the amount of benefit will depend on the classification of the disability. Health providers classify disabilities under four types: Temporary total disability; Temporary partial disability; Permanent total disability; and, Permanent partial disability.
According to the law firm Scudder & Hedrick, PLLC, total permanent disability (TPD) benefits are available for workers whose injuries are so severe that they cannot continue to work in any occupation; partial permanent disability (PPD), on the other hand, are available for workers whose injuries are permanent, but who can continue to work.
Injured workers usually have 30 – 45 days (from the day the injury was sustained or the illness was discovered) to notify their employers about such injury or illness. Failure to notify one’s employer can mean loss of right to file a workers’ comp claim. Besides this, there is also a statute of limitations within which the injured worker will have to file his or her application for benefits. States have different guidelines with regard to statute of limitation, but for guaranteed safe filing, this should be done within one year from the date of the accident or discovery of the illness.