Workers Compensation for the Disabled

Workers' compensation laws cover employees who fall ill while they are working, or get injured on the job. State law requires that every employer should have taken out a Workers Compensation Disability Insurance, although there may be a few exemptions. Payment for medical bills and compensation for wages lost are part of the benefits of this policy. However customarily, only a two thirds portion of your wages will be paid and not the entire amount.

When preparing to make a claim, at the outset you should inform your employer of your accident. The necessary forms to be completed for the failing of a claim would normally be provided to you by your employer. If this is not done, you should contact the Workers' Compensation Office in your state, without any delay.

Social Security Disability

You must have both a medical condition which satisfies the criteria of the Social Security, as well as have been employed in jobs that are recognised by Social Security in order to qualify for these benefits. If someone is not able to work for more than a year owing to a condition of disability, usually benefits in the form of monetary aid are paid. The procedure to submit an application takes roughly 2 to 3 months. After this there is another waiting period of 6 months before the cheque can be collected.

- If you have been rendered permanently or temporarily disabled you should make a claim right away. Usually in order that a claim may be entertained there is a time frame within which the claim should have been submitted most often within 30 days of the date of injury or start of sickness.

- In making your claim if you are in need of any assistance or have any queries you should contact the Labour Department of your state, Social Security Administration or the Workers' Compensation Board in your state.

- You should think about buying disability insurance whilst you are hale and whole. You could first find out from your employer exactly what kind of insurance coverage they are geared to provide and then get the permission to get a supplementary cover. When you calculate, assess if the benefits you are eligible to receive are sufficient to live the kind of life you are accustomed to. If not, you should think about also buying personal disability insurance.

Note: The information provided here is general. You should contact the workers' compensation offices for specific information to suit your individual circumstances and also about Workers Compensation Disability Insurance and related benefit programs.

Larry Siders, "Workers Compensation Insurance for the Disabled", Workers Compensation Insurance Guide