In most cases, a person who has had a serious accident or sickness will be unable to go back to work for a sizeable amount of time. In addition to the costs associated with day-to-day living, it is quite likely that the individual will have to pay for medical bills during this period. Nevertheless, depending on the circumstances, the individual may be eligible to receive compensation, such as workers’ compensation or the benefits of a short-term disability insurance policy, to assist them in making it through this challenging time in their lives.
The primary distinction between workers’ compensation and short-term disability insurance lies in the fact that workers’ comp benefits are made accessible to employees who have been hurt on the job or who have been diagnosed with an occupational ailment. On the other hand, short-term disability does not only cover injuries or illnesses that were sustained on the job. For instance, a person may be able to file a claim for short-term disability owing to injuries that they sustained in an automobile accident while performing personal business. This injury could qualify the individual for the benefit. Discussing your case possibilities with a reputed Injured Workers Law Firm is best.
This article takes a more in-depth look at impairment that is just temporary. Please don’t hesitate to contact an attorney in the Commonwealth of Virginia if you have any questions or concerns about the short-term disability benefits or the workers’ compensation payments you receive.
How Can Someone Obtain Short-Term Disability Benefits?
An injured worker submitting a claim for workers’ compensation.
- In order to be eligible for benefits under a short-term disability plan, you must have purchased an insurance policy before you sustained the injury or developed the condition that prohibits you from working. For instance, if a woman fell pregnant after purchasing short-term disability insurance, she most likely would not be entitled to receive those benefits to cover the time off from work that she would need to take to care for her newborn child. The majority of short-term disability insurance policies will consider a pregnant woman to have a “pre-existing condition.”
- In point of fact, state employees are automatically enrolled in a programme that covers temporary disability. As a result, individuals may meet the requirements necessary to obtain benefits under the Virginia Sickness and Disability Program. On the other hand, in contrast to private policies, the state-employee programme does not provide coverage for pre-existing conditions.