Dugan & Associates, P.C.
No Recovery - No Fee Free Consultation
Serving all of Western Pennsylvania
Local: 412-353-3572 Toll Free: 888-9-9-D-U-G-A-N Toll Free: 888-9-9-D-U-G-A-N

Disability benefits versus workers' compensation

It is easy to conflate disability with workers' compensation. Both are designed to provide benefits in the event of an injury. Both are trying to protect workers and their families from the devastating change that losing a primary income can bring. However, there are key differences between the two systems that prevent them from providing overlapping benefits. This article will explore the differences between the two systems so that you don't waste valuable time and effort applying for the wrong benefits.

Workers' compensation benefits are provided if you are injured on the job, like on a construction site. Conversely, state disability benefits are provided if you are injured outside of work. This can be a fine line, for example, if you are on break or on your way to work or between job-sites. It is in these gray areas that speaking with a professional can clear up the confusion.

Additionally, workers' compensation usually only covers injuries that are typical of working in that industry. For example, falling or crushing injuries on a construction site. However, you can receive overlapping benefits if, for example, your employer's insurance company disputes paying out your claim or if your workers' compensation is too low. So you may want to apply to both systems, just in case.

Finally, workers' compensation is meant to be temporary. It pays for your bills until you are healed and able to return to work. Whereas federal SSDI, or state disability payments, can go for much longer, sometimes even for years. So, it is possible to exhaust your workers' compensation but not your disability benefits. However, it is important to note that states cap payments at 52 weeks.

If you were injured and are unable to work, then you may want to sit down with a lawyer. Navigating these various compensation systems can be confusing and complicated. Speaking with a professional can help ease the stress and make sense of the arcane rules that underpin these systems. Don't lose out on your benefits because you weren't adequately prepared; take the time to learn your rights so you can make sure they are enforced.

No Comments

Leave a comment
Comment Information

Pittsburgh Office
4 West Manilla Avenue
Pittsburgh, PA 15220

Phone: 412-353-3572
Phone: 412-922-0800
Fax: 412-922-0801
Pittsburgh Law Office Map

Beaver County Office
2002 McMinn St.
Aliquippa, PA 15001

Phone: 412-353-3572
Phone: 724-775-7372
Aliquippa Law Office Map

North Hills
6400 Brooktree Ct.
Wexford, PA 15090

Phone: 412-353-3572
Phone: 724-933-0133
Wexford Law Office Map

Butler County
125 Warrendale-Bayle Rd
Warrendale, PA 15086

Phone: 412-353-3572
Phone: 724-283-7063
Map & Directions

400 Penn Center Blvd.
Suite 101
Monroeville, PA 15232

Phone: 412-353-3572
Phone: 412-261-1129
Map & Directions

Westmoreland County
101 N. Main St.
Suite 104 - A
Greensburg, PA 15601

Phone: 412-353-3572
Phone: 724-836-7454
Greensburg Law Office Map

Washington County
2400 Ansys Dr.
Canonsburg, PA 15317

Phone: 412-353-3572
Phone: 724-743-0463
Canonsburg Law Office Map

Serving all of Western Pennsylvania Free Consultation

Disability benefits versus workers' compensation | Dugan & Associates, P.C. a