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What if I am unable to return to work after an injury

On Behalf of | May 3, 2023 | Workers' Compensation |

In 2021, 2.6 million people suffered an injury at work.  Although this is a decrease from 2020, the number is staggering.

Although most of these individuals can eventually return to work, some cannot. If you experience an injury at work and cannot return, there are a few things you should know.

Worker’s compensation

When you are injured at work, you should file for worker’s compensation. These benefits should pay your medical and rehabilitation bills in addition to a part of your lost wages. You can also receive settlements for lost limbs and permanent impairment. However, worker’s compensation is a temporary benefit. These insurance companies do not like to send you payments for the rest of your life.

Private disability insurance

If you cannot return to work, you may need to submit a claim to any private disability insurance policy you have. Private insurance comes in short- and long-term policies. Short-term policies typically only provide 40-70% of your wages as compensation for up to 26 weeks, while long-term policies may pay up to 60% of your wages up to retirement age. You may start receiving benefits in a few weeks for a short-term policy or up to six months for a long-term policy.

Social Security Disability

If you remain disabled for more than one year, you may qualify for Social Security Disability. Medical care is often covered by Medicare, which you can access once you receive SSDI approval. Unfortunately, the approval process can take years.

Incident settlement

Worker’s compensation or your employer may offer you a settlement. Speaking to an attorney about your case can assist you in determining what a fair settlement would be and make sure you are considering future lost wages, future medical expenses, etc.

If you cannot return to work after an injury, learn about the options available to you.