What is the Difference between Workers’ Compensation and Disability Insurance?
There is a difference between workers’ compensation and disability insurance.
The latest statistics from the US Department of Labor report 2.6 million nonfatal workplace injuries and illnesses in 2021. Being unable to work due to injury or illness can be devastating. The loss of wages and mental pain can be taxing. The state of California offers workers’ compensation and disability insurance for those not capable of working.
Workers’ compensation is designed to benefit workers who suffer work-related injuries or illnesses. It’s defined by the California Employment Development Department as “benefits for workers when their injury or illness arises out of or is caused by their work”.
The workers’ compensation system exists to protect both employees and employers. Unless they are exempt by law, all employers must cover worker’s compensation benefits for employees injured in the course of their employment.
Disability Insurance provides partial wage replacement benefits to eligible California employees who are unable to work due to a non-work-related illness or injury. DI is paid by the federal government, as opposed to workers’ compensation.
Can I receive both Workers’ Compensation and Disability Insurance?
Under most circumstances, you cannot receive both simultaneously. However, you can apply to both. Typically, workers’ compensation benefits will come sooner than DI benefits.
The Worker’s Compensation Attorneys at C&B Law Group are here to help.
There can be a lot of factors in determining a workers’ comp or disability insurance case. Making the choice to work with a worker’s comp lawyer can help with the process. Our Los Angeles Attorneys will build your claim and negotiate with your employer’s insurance to achieve the highest possible compensation for you. They will handle some of the more tumultuous times so you can put an emphasis on your recovery and well-being.
Some of the more common types of workplace accidents are caused by:
Injuries you may suffer at work include:
- Traumatic Brain Injury
- Spinal Cord Injuries
- Broken bones
- Back injuries
- Neck injuries
If you think you have a workers’ comp case, contact a Burbank Lawyer today about a free consultation.