Most Iowa workers understand that they can receive compensation to help make financial ends meet after a serious injury. Such benefits could include workers' compensation, Social Security Disability Insurance (SSDI) or both.
Workers' compensation benefits only apply to workers who suffer injuries during the course and scope of their job activities. SSDI benefits apply to those who suffer disabling injuries that prevent them from working -- whether it's during their job activities or not. SSDI benefits are also provided through the federal Social Security Administration.
Qualifying for workers' compensation
Qualifying to receive workers' compensation benefits requires that a worker show that their injuries happened at work or as a result of employment. The work comp insurance provider will then compensate the worker for the costs of medical care and rehab services related to the work-caused injury. In some cases, workers can receive wage replacement benefits through workers' compensation if the injury or illness results in an inability to work.
Qualifying for SSDI benefits
Qualifying for SSDI benefits takes more time than a work comp claim -- and it doesn't have anything to do with how or where the injury occurred. Disabled employees simply need to provide medical evidence to show that they have an illness or condition that prevents them from working for at least 12 months, or that they have a condition that is fatal.
Workers also need to have paid enough money into the Social Security program to qualify. After filing an application, injured persons may have to wait some time before they can receive the results of the SSDI benefits application.
How do disability and workers' compensation benefits work together?
In some cases, an injured worker can receive both workers' compensation benefits through their employers' insurance and SSDI benefits through the federal government. However, the amount of SSDI could be reduced based on how much the worker is receiving through the work comp system.
Are you unable to work because of an injury or illness?
Whether you were hurt at work or not, benefits could be available that help you weather the financial storm of not being able to earn a living anymore. By learning more about Iowa workers' compensation benefits and SSDI, you can explore whether you qualify to receive this extremely helpful assistance.