Unfortunately, Job injuries do happen. If you find yourself in this position, don’t fret; there are several options available to help supplement your income while you take time off from work to heal and mend. Let’s review some of these short-term options for supplemental income.
Workers’ Compensation
If you are injured due to your job or workplace, you may be eligible for workers’ compensation benefits. Workers’ compensation is a federal program that provides money to employees who suffer on-the-job injuries or illnesses and death benefits to families in the event of a worker’s death related to their job. Workers’ compensation aims to provide financial aid and reimbursement for medical expenses so that an employee can focus on healing and recovery without worrying about basic needs such as shelter, food, and clothing.
Each state has its own laws regarding workers’ compensation eligibility criteria and benefit amounts. Contact your state’s Department of Labor or consult with an attorney specializing in workplace injury cases for more information about workers’ compensation benefits in your state.
Social Security Disability
If your injury is expected to keep you out of work for a long period of time, you may be eligible for Social Security disability benefits. These benefits are designed to provide financial support when someone can no longer work due to a disability or illness that is expected to last for at least 12 months or result in death.
To qualify for Social Security disability benefits, applicants must meet certain requirements, including having worked at least 5 out of 10 years prior to becoming disabled, having enough credits from working during those five years, and having an illness or injury that meets the definition of being “totally disabled” according to the Social Security Administration (SSA). Again, it’s best to contact your local SSA office or seek legal advice if needed before applying for Social Security disability benefits.
Unemployment
Unemployment insurance programs provide temporary financial assistance when people become unemployed through no fault of their own (due to layoffs or being let go due to lack of funds). This means if you were unable to work because of an injury caused by somebody else (such as another employee), you might be eligible for unemployment insurance payments.
At the same time, you take time off from work during recovery and rehabilitation treatments prescribed by a doctor following the injury or accident. Eligibility criteria vary by state but typically include having been recently employed full-time and meeting certain wage requirements prior to losing employment due to injury/illness. It’s best to consult with your local unemployment office or speak with a personal injury attorney specializing in labor law to determine if you qualify for unemployment benefits in your jurisdiction and with your specific case.
Several short-term options can help supplement your income while taking time off from work during recovery and rehabilitation treatments prescribed by a doctor following the injury or accident. Whether it be workers’ compensation benefits, Social Security disability benefits, unemployment insurance payments—or even all three—there are solutions available that can help make ends meet until it’s safe for employees to return to the workforce unhindered by any injuries sustained at work. Do not hesitate to seek professional guidance regarding any questions related to these topics, as they will ensure proper steps are taken every step along the process.
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