When you suffer an injury on the job, it can affect virtually every area of your life. You may not be able to continue with your job, and on top of that, you could be facing medical bills that just keep piling up. How can you pay these bills and meet other financial obligations when you aren’t bringing in a paycheck?
Injured workers often need financial support to help with their recovery needs. Recovery can be long and expensive, taking a toll on your whole family. What happens if your injury is such that you may not be able to return to your job? What happens if you will be out of work for years? In this case, you may have a valid disabling condition, qualifying you for other types of benefits. It’s not easy to know what benefits you may be able to get or if you are even eligible.
What is workers’ compensation?
Workers’ compensation benefits come from insurance coverage that your employer carries. This provides financial support for workers who suffer injuries in work accidents or become ill as a result of their jobs. By accepting these benefits, you relinquish your right to sue your employer for compensation. Essentially, these benefits offer support for injuries for which an employer would likely be liable for in a lawsuit. This is a benefit for both the worker and the employer.
These benefits cover medical needs an injured worker may have. It can also provide coverage of a portion of lost wages. If an applicant needs it, workers’ compensation can also provide help with getting back to work.
What are disability benefits?
Workers’ compensation can provide disability benefits to some workers with severe injuries, but these are only temporary. If a person reaches a point where it is clear his or her disability is permanent or will result in death, these may become permanent.
There are times when a severely disabled worker may be able to get both workers compensation benefits and disability benefits from the Social Security Administration. Applicants must meet specific qualifications to get both.
Your rights and interests
If you suffered injuries at work, you will want to find out what types of support could be available to you. This is especially important if your injuries are grave and possibly disabling. You don’t want to leave money on the table, which is why it can be helpful to speak with an experienced Ohio attorney about the options available to you.