Disability benefits for injuries

A lot of disability claims are the result of illnesses and injuries that happen at work. Minnesota state workers' compensation programs will -- in most situations -- kick in to pay for medical care and other costs associated with a workplace illness or injury, but sometimes people suffer residual disability that is either long term or permanent. In these situations, Social Security Disability Insurance and other government benefits could apply.

As for workers' compensation benefits, in Minnesota, approximately 90 percent of employees are either covered by workers' compensation insurance or they are self-insured. These benefits will generally cover necessary medical costs and earnings lost as a result of a work-related illness or injury. Usually, no wage replacement benefits are required and workers receive the benefits they need simply by getting their medical costs taken care of. However, if wage replacement is required, workers' compensation will cover that, too.

In addition to workers' compensation benefits, though, injured workers may also be able to seek Social Security Disability Insurance. These benefits, though, apply to fewer situations. For example, you can often get workers' compensation wage replacement after just a week out of work, but with DI you need to be unable to work for at least a year or have a fatal injury or illness. Also, when it comes to wage replacement under DI, workers can only receive a maximum of 80 percent of their previous wages when combining both workers' compensation benefits and DI together.

There are a lot more rules and regulations that apply to DI and workers' compensation. Minnesota workers with further questions may want to reach out to a qualified disability benefits attorney to evaluate their legal rights and options.

Source: Social Security Administration, "Workplace Injuries and the Take-Up of Social Security Disability Benefits," accessed Feb. 12, 2016

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In Minnesota, we handle Social Security Disability Insurance (SSDI) claims. Throughout the nation, we handle SSDI applications and appeals for people from Ohio to Kansas, North Dakota to Texas and everywhere in between.

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