We typically face the risk of injury in our daily lives. For people working in high risk industries such as construction and transportation, these risks double while on the job. Unfortunately, workplace accidents are an all too common occurrence. According to data from the U.S. Department of Labor, accidents in the private industry have caused about 2.9 million injuries in 2013. In some cases, these injuries lead to debilitating disabilities.
People left disabled by workplace accidents are robbed of an opportunity to earn an income. Even worse, their condition will often require medical treatment and specialized care that could cost a lot of money. These l burdens can result in significant effects for their families, as well as the stability of their lives. Anyone suffering from a disability caused by a workplace accident can only rely on certain benefits and compensation plans to help ease their financial situations.
According to the website of the Hankey Law Office, workers with disabilities can turn to benefits provided by Social Security. Depending on specific details of their situation, they can be entitled to Social Security Disability Insurance or Supplemental Security Income. The first option is applicable for individuals who have been able to make regular payments on Social Security or Federal Insurance Contribution. The second option is meant for those who have not earned enough Social Security credits during the period of their employment.
Workers’ compensation benefits provided by employers can provide another viable solution for financial problems resulting from injury and disability. Unfortunately, the process of filing a claim for workers’ compensation can often become long and complicated. As pointed out on the webpage of Wilson & McQueen, PLLC, employers and their insurance providers will often impose a complex claim process that will make it harder for workers to pursue compensation. For such cases, it’s best to work with an experienced legal counsel to ensure that benefits are received promptly.