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Occupational Injury Law Center
Strong Workers' Compensation Guidance In Modesto El abogado habla español

How is disability insurance different from workers' compensation?

If you have suffered from an injury while you are at work, you likely had to pay hefty medical costs and potentially lost wages as a result. Because of this, it is likely that you will be entitled to workers' compensation as a result.

Disability insurance offers monetary benefits for those who are ill or suffering from a disability that does not have any cause or relation to the job that they pursue.

Can I be eligible for both workers' compensation and disability insurance?

In the majority of cases, you can only be eligible for either one or the other in regard to workers' compensation and disability insurance. This is basically determined based on whether you acquired your injury at work or because of another reason. Sometimes, however, this can be very difficult to determine, since you may have had a pre-existing condition that was worsened by your working conditions. The main cause can often be determined by a doctor.

Can I change from receiving one type of insurance benefit to another?

Although you cannot receive both types of benefits for the same time period, it is possible for you to switch from one to the other when appropriate. This might be the case if workers' compensation is denied or denied for a temporary amount of time.

If you are suffering from an ongoing injury or disability, it is important to understand the type of compensation that you are entitled to so that you can receive the benefits that you deserve. It can be beneficial, therefore, to conduct research from differing sources.

Source: State of California Employment Development Department, "Workers’ Compensation," accessed Jan. 19, 2018

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