For people with disabilities or debilitating injuries, assistance may be necessary, ranging from physical to financial help. Thankfully, there are measures in place to provide this assistance.
Social Security Disability is a program in place that is assisting many different people. For those seeking to apply for this benefit, there are a few important things to understand.
What it is
SSD is a benefit that pays employees a portion of their wages when the employees are unable to work due to injury or illness. The illness or injury does not have to be work related. However, the employee does have to show that he or she is unable to work or must work at a reduced capacity for the specified reason.
What it is not
Workers' compensation benefits and SSD are separate entities. Though they do both pay injured workers, they are not synonymous. While SSD pays for various types of injuries, a workers' comp claim only applies to work-related injuries. In the case that a party does qualify for both types of benefits, there are measures in place to make sure that the party does not receive over-compensation. This helps to discourage employees delaying going back to work, when possible.
In order to qualify for the benefit, applicants must meet a few key requirements. Employees must work in an industry SSD covers and have an illness or injury that falls under the category of a disability in accordance with the SSD standards. The severity of the injury and physician evaluation of the employee's recovery also play a large part in determining the level of disability a party is eligible for and for how long.
These basic facts can help parties to gain a greater understanding of SSD; however, there is still quite a bit to know about this benefit. Therefore, it may be helpful to review the stipulations of the benefit in full to determine how it applies to different situations.