Workers’ Compensation, SDI, and SSDI. What are the Differences?By Kenton Koszdin Law Office on February 17, 2014 | In Disability Insurance
Finding yourself unable to work can be frightening and confusing at any time in your life. Suddenly, you find yourself without wages or a means to support yourself or your family. You may be asking yourself, “What can I do? What programs am I eligible for?”
If you have been injured or sickened at your workplace and find yourself unable to work, you are eligible to receive workers’ compensation insurance benefits. Most employees in California are covered by workers’ compensation insurance through their employers.
California also has its own Disability Insurance (DI) program. You may apply for DI benefits when you have suffered an injury that is not caused or related to work. However, if your injury or illness has happened at work, or is a result of an accumulated medical condition due to work, you may still file for a DI claim. But be cautioned that you cannot receive DI and workers’ compensation benefits at the same time.
For instance, if your employer’s insurance carrier denies or delays your workers compensation benefits, you may be able to receive DI benefits until your workers’ compensation case is settled. Just know that the state will demand that you repay any benefits you did receive from DI once your workers’ compensation case has settled.
As with any government program, there are eligibility requirements. Also, California DI benefits are temporary. If you find yourself permanently disabled, DI benefits are not something that you can rely on for the long term.
Social Security Disability Insurance (SSDI) is a federal program that covers eligible disabled workers. SSDI is not linked in any way to the state of California and, therefore, carries its own eligibility requirements and processes. Unlike California DI benefits, SSDI benefits can be permanent if it is determined that you can no longer work due to your disability.
So, if you find yourself disabled and unable to work, what is your best option? Contacting an attorney at the Kenton Koszdin Law Office in Los Angeles makes sense if you are confused and you want to know what your options are. Call us toll-free at (800) 438-7734 or contact us online today. We can clear up the confusion so tyou can select an option that makes the most sense for you and your family.