Temporary Vs. Permanent Disability
- Posted on: Dec 31 2018
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.