When a person in injured on the job, the workers’ compensation program pays benefits that cover medical expenses and other financial issues. This includes wages lost due to absence from work and long-term compensation for those who are disabled and no longer able to work. This program functions as a type of insurance and in exchange, an employee waives the right to sue his or her employer. Workers’ compensation is managed at the state level. After a Workers’ Compensation claim has been settled, many people are left unable to work and in need of Social Security disability. If you have experienced a work-related injury in Maryland, and are unable to work for a year or longer, a Social Security Lawyer in Baltimore may be able to help.
Who May Qualify for Workers’ Compensation
Not everyone who works is covered by a business’ program. A person must be a regular employee of the business. Independent contractors and volunteers are not included for this reason. Additionally, some industries are exempt from workers’ compensation requirements and operate under a different program. These include federal employees, longshore and harbor workers, railroad workers, and military personnel each have unique compensation programs that are internally regulated.
Social Security Disability Benefits
If a workplace injury is not long-term, the benefits will end when the employee is well and returns to work. When the condition is very severe and the impairment is permanent, other long term disability benefit payments may be paid to the injured worker. If a person is disabled to the degree that he or she cannot return to work, is not skilled in another field, benefits may be paid for the remainder of the person’s life.
When an individual qualifies for long-term disability or permanent disability benefits, he or she may also qualify for Social Security benefits. The Social Security Administration offers two programs: Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). Both pay benefits to injured persons. The first is dependent on earned income, the second on a demonstrated financial need. For either, the applicant must provide medical evidence of a disability that prevents him or her from working for a year or longer.
Seeking Legal Assistance
Health care is a personal topic and each case is unique to the individual. For those who are navigating the combination of state and federal programs, the volume of paperwork and necessary information can be daunting. A person may apply for both workers’ compensation and Social Security Disability, the amount of benefits you may receive from Social Security may be reduced by the amount received through workers’ compensation. A Baltimore Social Security lawyer can provide assistance with the Social Security claim, while providing advice on workers’ compensation as it relates to the Social Security disability claim, and any potential offset in benefits.