If you’re disabled as a result of an accident you sustained on the job, your biggest concerns are likely where your money is going to come from from now on, and how much you’ll be able to get. This, of course, is when employers like to swoop in and start listing off reasons as to why you only qualify for long-term disability so they can save more than if you filed for workers compensation, but the truth is you may actually be entitled to get both!
What’s The Difference?
The biggest difference between workers’ compensation and long-term disability is the source of the actual funds. Employers hate paying out workers compensation because it’s a type of insurance they are required to pay 100% for. Plus, it’s a no-fault system. With it, you can get medical care, home modifications, lost wages, vocational rehab, and more, all covered under workers compensation, and most disputes are settled for upfront cash. Long-term disability, on the other hand, pays out lost wages through group policies and premiums paid for by employees through their paychecks. Starting to make sense now? Workers’ compensation is simply better, but it’s more costly for your employer. It’s tax-free and can last as long as you need it, while long-term disability offers less for a shorter period of time. So please, don’t ever let an employer try to persuade you that long-term disability is all you can get.
Experienced attorneys, like ours at Esper Aiello Law Group, have seasoned skill for helping injured workers receive both workers compensation and long-term disability with minimal payback. For instance, we may be able to help you allocate a lump sum settlement in such a way as to allow you to not have to pay back hardly any of your long-term disability benefits. Every case is different, which is why if you want to find out if getting both is even an option for you, or merely ensure you’re being offered everything you deserve, the best thing you can do is take advantage of professional help. Our seasoned workers compensation attorneys at Esper Aiello Law Group are always ready to help you fight for the absolute most you’re entitled to, whether your employer is fighting back or not. Your mind may be filled with worries over how you’re going to care for yourself and your family now, but with our help, we know we can make sure you obtain all the assistance and peace of mind you need! Call us, today, at 313.964.4900 or fill out the form in the sidebar or on our contact page, and learn more about how we can help you.