If you’ve been injured on the job, you may find yourself unable to work. In some cases, this may be a temporary issue. In other cases, however, you may find yourself permanently disabled. Physical therapy and surgery may be able to help you overcome temporary health issues, but if you’re unable to return to your job, you’re going to need some sort of income. That’s where disability payments come in. It’s important you understand the differences between temporary and permanent disability and when each comes into play.
Temporary disability provides you with income if you’re injured and unable to work for a short amount of time (often a year or less). New York is one of only five states that offers temporary disability insurance through employers. This insurance pays out some or all of your salary if you’re injured – the actual amount often depends on your policy. It’s important to note that Social Security doesn’t offer any sort of temporary disability.
In addition to temporary disability offered via your employer in New York, you can often purchase disability policies through a number of private insurance companies. These policies may only provide payments for a shorter period of time, and they may not pay out nearly as much.
Becoming permanently disabled allows you to receive payments from Social Security. However, it takes more work and more time to be declared permanently disabled. You will need a doctor or other medical professionals to testify that you are no longer capable of doing the work you once did. You will also need to show that you cannot simply learn a new skill and get a job in another field. This process is often frustrating, but it’s also often necessary for those who are simply unable to work again in any field.
This is a very basic outline of temporary and permanent disability. There are many other factors that can play a part in disability, including worker’s compensation benefits if you were injured while at work. Determining how to approach your disability claim can be very confusing. That’s where Maximum Orthopedics can help. Contact them today to discuss your situation.
Posted on: Dec 31 2018
Dealing with workers’ comp can seem like a stressful and scary ordeal. While it’s not always the easiest process, workers’ comp shouldn’t be horrible, either. One of the biggest reasons the process often seems long and difficult is because most people haven’t gone through a workers’ comp claim before. By understanding the basics of the system, you’ll be better prepared to deal with workers’ comp if it comes up.
Your Employer Has Workers’ Comp Insurance
New York requires any business that has at least one employee to carry workers’ comp insurance. There are a few exemptions, including religious orders and those who do casual work, but almost all companies do have workers’ comp, and you can take advantage of it. If you do work for a company that is exempt and has chosen not to offer workers’ comp insurance, you can purchase it through the New York Insurance Department or look into purchase insurance yourself.
What Does Workers’ Comp Offer?
If you have been injured on the job, workers’ comp is designed to provide you and your family with income during the period you’re unable to work. This may only be a week or two in some cases, but it other cases, you may be permanently disabled and unable to work ever again. Workers’ comp will provide income for both of these extremes and more.
If you have been injured on the job in New York, workers’ comp offers temporary and permanent total disability as well as permanent partial disability. In most cases, you’ll receive two-thirds of your average weekly salary if you are disabled. In some cases, these payments will run out at a certain point, while in other cases, you may receive funds for the rest of your life.
You Must Act Quickly
In New York, the law states that you must inform your employer in writing that you have been injured while on the job within 30 days. You also have to submit a claim form to the State Workers’ Compensation Board within two years and see a doctor within two days.
There are many different regulations regarding workers’ comp in New York, which is why you need to seek the advice of an expert as soon as you’ve been injured. The professionals at Maximum Orthopedics have years of experience with these cases and can assist you in making a claim.
Posted on: Dec 15 2018