When a worker is injured at work, it can be complicated to understand all of the different options available to help. The good news is that there are a variety of resources available to injured workers so it is important that they are familiar with what those different resources are so they can get the help they need when they have been injured.
A workplace injury can leave workers unable to work and facing increasing costs of medical care and treatment. Fortunately, different monetary resources are available to help injured workers including workers’ compensation benefits, Social Security disability (SSD) benefits and a personal injury claim for damages in some circumstances. It is helpful to understand the different options and how they impact one another to ensure the injured worker is able to receive as many of the resources they need as possible.
Workers’ compensation benefits are available to injured workers on a largely no-fault basis and can help with medical expenses and two-thirds of their lost wages whether they suffer permanent or temporary disability as a result of their workplace injury. Additional help for injured workers may be available through Social Security disability so it is important to understand how to qualify and apply. To qualify for SSD benefits, the disabled individual must suffer from a medical condition that prevents them from working and is expected to last 12 months or longer. They must also meet work history requirements.
Lastly, in some circumstances, if a third party is responsible for the workplace injury, the injured worker may have a personal injury claim for damages. Having trained guidance to help injured workers access all the different benefits and options that may be available to them can be essential when they are injured and unable to work.