Social Security Disability is an insurance program run by the federal government. This program is mandatory and funded through your income taxes. Eligibility for this program depends upon a total inability to work. The main focus is placed upon your medical conditions and resulting symptoms and how they affect your ability to perform your past work and also any other types of jobs in the national economy.
One major difference between workers’ compensation and social security disability is the type of benefits you may receive. Workers’ compensation insurance will cover lost wages and medical treatment due to the specific workplace injury. If you are found eligible for social security disability benefits you will be eligible for a monthly check along with possible healthcare via Medicare or Medicaid. Social Security’s focus in determining eligibility is based on your total functional capacity while workers’ compensation’s focus is on the actual injury and nothing else.
The second difference is the type of medical care you can receive. In workers’ compensation, the insurance will cover medical treatment related to the specific workplace injury and may only be administered by health providers who are approved by the insurance company. In terms of Social Security, you may treat with a health provider of your choosing. Social security does not cover your medical costs while applying for the program. You may be eligible for Medicare or Medicaid if you are found disabled. However, that would only occur after a medical evaluation is performed.
A third major difference between the two programs is the type of injuries considered. Workers’ compensation will only consider injuries that you sustained on the job. If you are treating with a workers compensation doctor, that doctor will only treat conditions that are related to your injury at work. In terms of Social Security, this program considers any and all injuries, accidents, or degenerative conditions, no matter the cause. Social Security considers each and every medical condition that imposes restrictions on your ability to work.
While both programs provide benefits for employees who may have been injured on the job, they both have very different eligibility requirements along with benefits that are provided. If you have suffered a workplace injury it is best to seek advice from an attorney who is well versed in both programs. For a free consultation, call us at the LaBovick Law Group. We will be happy to evaluate your situation and find the most lucrative resolution for you and your family!
