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What's the difference between workers' comp and disability?

If you are injured on the job or become ill due to working conditions, there is no denying the fact that your financial situation could be impacted. It is important to understand your legal rights, including how you can receive compensation until you are able to return to work.

Workers' compensation benefits are provided when you are injured on the job. In most states, employers are required to have workers' compensation insurance. This ensures that if a person is injured that they are able to access the benefits they deserve.

On the other side, state disability benefits must also be considered. These provide workers with weekly benefits in the event that they are injured outside of work and unable to perform their normal job responsibilities.

The primary difference between workers' comp and disability is simple: Workers' compensation insurance covers you for any injuries for which an employer may be liable. With disability benefits, your employer does not come into the equation.

Note: It is possible that you could be eligible to receive state disability benefits along with workers' compensation.

If you are injured and unable to work, it is important to understand how workers' comp and disability payments can improve your financial situation. Nobody wants to be injured or become ill, but this happens from time to time.

Where your injury occurred and how long you will be away from work will impact the type and amount of benefits you receive. If nothing else, it is important to apply for both types of benefits to ensure that you are getting the money you deserve.

Source: FindLaw, "The Difference Between Workers' Comp and Disability Benefits," accessed Sep. 22, 2015

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