Often a person sustains an injury and can no longer work. Sometimes this is temporary, but sometimes it is permanent. The following are a few things you may not know about a disability that prevents you from working.
If you are hurt on the job
If your injury occurred during working hours, you will likely be eligible for workers’ compensation. This is an insurance that your employer carries to provide income to a worker while they are recuperating. You must have been on the clock, so to speak, when the injury occurred. It doesn’t necessarily have to be in the act of working, but as long as you were injured during working hours, you are likely eligible for workers’ compensation. Sadly, not every employer is required to carry this insurance. There are certain exceptions, but most businesses are required to carry it.
Disability is not workers’ compensation
Disability is a program run by the federal government and is a part of Social Security. Whereas workers’ compensation is designed to provide income while you heal from your injuries, disability is, for the most part, for permanent injuries. If you are at a point where you can no longer earn an income, then you should consider filing for disability. Not everyone is accepted for disability, but if your application is denied, you can hire disability lawyers in San Antonio TX to help with your appeal.
Litigation may provide compensation for injuries
Regardless of whether it is workers’ compensation or disability, the cause of your injury may have been due to negligence on the part of another party. In this situation, you may be entitled to compensation. Often it is another party that has some form of liability insurance, so it is an insurance company that you will be dealing with. In this situation, you must have a personal injury attorney working for you. This is the only way you will receive all of the compensation you are entitled to from an insurance firm.
Any specific questions you have should always be directed to an attorney. Many law firms will offer a free initial consultation, so there is no financial obligation for speaking to a lawyer.