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Work injury and potential sources of income replacement

Work injuries can be much more serious than a scrape or a bruise that can cause minor discomfort. They cause a person to be unable to work and have other lasting repercussions such as long-term health problems. There are a few ways to offset the financial strain that a work injury may cause a worker and his or her family.

Workers' compensation benefits are afforded to qualifying workers after a work accident. One must apply for these benefits to become eligible. Social Security disability benefits, on the other hand, are another federally subsidized program aimed at offsetting the cost of a worker's inability to work for at least one year or more.

One must have paid in the necessary amount of wages in order to qualify for SSD benefits. In comparison, there is no real income threshold to become a recipient of workers' comp. It is more of a need-based program. It is possible to received SSD benefits and workers' comp at the same time. However, SSD benefits could be adjusted due to the receipt of workers' comp on behalf of an employer's insurance. It is possible to be denied requests of workers' comp by an employer's insurance company or by the federally run SSD benefits program.

These denials can be appealed if you believe it was in error. There can be a lot of paperwork associated with the process of seeking these benefits after you or a loved one suffers a work injury. These incidences can be very serious and can have lasting repercussions. Benefits are available for those who qualify.

Source: injury.findlaw.com, "The difference between workers' comp and disability benefits," Accessed April 17, 2017

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