Workers’ Compensation vs. SSDI
Workers’ Compensation and SSDI: What’s the Difference?
Workers’ compensation and Social Security Disability Insurance (SSDI) are two avenues through which people with disabilities can seek compensation. But how do you decide which program best suits you?
Here is a quick guide to determine the differences between workers’ compensation and SSDI to see which one fits your particular situation:
|Workers’ Compensation||Social Security Disability Insurance|
|Circumstances of Disability||Disabled on the job or injured due to employment||Disabled at any time due to any circumstance|
|Eligibility||Eligible from first day of employment||Must have substantial work history|
|Coverage||Short-term and long-term disability||Long-term disabilities that keep a person from working in any type of employment|
|Employment Status||Can still be working in some smaller capacity or for a reduced wage||Cannot be currently employed in any capacity|
|Availability||Medical benefits available immediately; cash benefits begin after a few days’ absence from work||Benefits begin only after a five-month waiting period; Medicare coverage begins only after a further two-year waiting period|
Consider the circumstances of your disability and employment to determine whether workers’ compensation or SSDI is the right program for you.
Call Our Work Injury Lawyers Today
If you’ve been hurt on the job, you should notify your employer right away. You can file a workers’ compensation claim at your job or with the Workers’ Compensation Board by calling 317-232-3809 or by visiting their office at 402 West Washington Street, Room W196, Indianapolis, IN 46204. If your disability appears to qualify you for SSDI, contact your local Social Security office to fill out your application online, over the phone, or in person at their office.