What’s the Difference Between Workers’ Comp and Disability?

A lot of people think disability and workers’ comp are the same thing. They figure since you’re hurt and not working, you must be getting money from somewhere. They don’t realize that there is a huge difference between the two.

When it comes to workers’ comp and disability, the main differences are:

  • The type of injury that qualifies you for benefits
  • The amount of benefits you receive
  • Who funds the payments
  • How you get injured
  • How you qualify

Regardless of which type of claim you have to file, you’re going to need an experienced Moultrie workers’ comp lawyer. Your attorney understands the difference between these two types of claims. They also understand what it takes to make sure you receive the benefits to which you’re entitled.

If you’ve been injured and can no longer work, you need to call and schedule an appointment with a skilled Moultrie workers’ comp lawyer.

A Moultrie Workers’ Comp Lawyer Understands the Types of Injuries Involved

 

When you get hurt, all you know is you’re in pain. You’re also scared because you don’t know if you’ll be able to work. How will you take care of your family? What are you going to do?

Well, the first thing you need to do is seek medical treatment, because you’re not going to be good to anyone if you don’t get your injuries looked at. The second thing you need to do is call an experienced Moultrie workers’ comp lawyer.

When it comes to the types of accidents required for workers’ comp and disability, there is one big difference. Workers’ comp only covers accidents that take place at work. You have to be on the clock or your workers’ compensation insurance isn’t going to cover your injuries.

For all other injuries, you’ll need to file a disability claim. Disability covers injuries that are caused by non-work accidents. Some examples of disability claims include:

  • Injuries sustained in a car accident
  • Illnesses or injuries that happen when you’re on private time and not at work
  • Injuries caused by any personal injury claim

The way you get hurt is almost as important as how seriously you were hurt.

How Will Your Moultrie Workers’ Comp Lawyer Handle Your Claim?

 

Your claim will be handled differently depending on which type of accident you suffer. If you were hurt at work, you’ll file a workers’ comp claim. This claim is filed through your human resources department at work. They’ll submit your claim to their insurance company.

If your claim is paid – great. You’ll receive medical treatment and wage replacement. If your claim is denied, your Moultrie workers’ comp lawyer will help you appeal your claim. If this is denied, you’ll have to go before a workers’ comp judge to have your claim reviewed.

For people who are hurt in other types of accidents, they can still become disabled. Let’s say you get in a car accident and break both your legs. You won’t be able to work for several months. If this happens, you’ll need to file a disability claim with the State.

The State is the one that funds your disability benefits. If you have a work history, you’ll be paid through SSDI. If you’ve never really had a job, your benefits will be paid through SSI.

Either way, your lawyer can help you. If your benefits are denied for any reason, your Moultrie workers’ comp lawyer will fight to get you the compensation you deserve.

How Long Do Your Benefits Last?

 

When it comes to your benefits, there is a big difference between disability and workers’ comp. If you get hurt at work, your benefits will continue until you’re ready to go back to work. This could be weeks or months, and your workers’ comp benefits kick in right away.

If you have to file a disability claim, there is a waiting period. This means there will be a short time when you don’t receive any benefits at all. Also, disability can be deemed short-term or long-term. It depends on what your doctor certifies you for.

Your Moultrie workers’ comp lawyer will work hard to make sure your benefits start as soon as possible. He’ll also try to help you get your benefits for as long as possible.

Contact a Moultrie Workers’ Comp Lawyer Today

 

If you’ve been injured and are unable to work, you need to call a Moultrie workers’ comp lawyer. He can help you regardless of whether your claim is through workers’ comp or disability.

Call and schedule your initial consultation today. It is free and you pay nothing until your case settles.