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Exploring more compensation beyond workers’ comp

On Behalf of | Jun 20, 2024 | Workers' Compensation |

Workers’ compensation can be the first route to get financial support in cases of workplace injuries. It might not, however, satisfy all of your needs. Fortunately, there are additional options for support.

Personal injury claims

Should your work-related injury stem from another person’s carelessness, like an equipment failure or an outsider’s actions, you might be able to file a personal injury claim.

It’s different from a workers’ compensation claim in that it requires proof of another party’s fault for your injury. A successful personal injury suit can end in pain and suffering compensation. It’s something that workers’ compensation does not offer.

Disability benefits

If your injury keeps you from working for a long period, you may be able to receive disability benefits. These benefits are the result of an array of programs:

  • Social Security Disability Insurance (SSDI) is available if you’ve worked long enough and paid into Social Security.
  • Private disability insurance, if you have a policy, might offer additional coverage to help bridge the gap during your recovery.

Employer-provided supplemental benefits

Certain businesses offer extra benefits that can fill the gaps created by workers’ compensation. Options include specific injury-related benefits, wage continuation plans, and extended medical coverage. Check with your HR department to find out what might be accessible.

Beyond the basics

Exploring a range of compensation options is essential for handling your recovery and keeping your financial stability. By making the most of the support systems that are available to you, you can ensure that you have enough coverage while healing.