Understanding the distinctions between short-term disability and worker’s compensation is crucial for navigating the complexities of employment benefits following an illness or injury. Both benefits provide financial support and crucial protections yet differ in terms of purpose, scope, and eligibility. Read on to learn about the differences between the two.
What Is Short-Term Disability?
When you file for short-term disability coverage, you are seeking benefits during a temporary period in which you cannot work due to non-work-related injuries, illnesses, or childbirth. California’s State Disability Insurance program provides this insurance, which pays out a percentage of your salary. Some recipients can receive benefits that pay as much as 70 percent and have them last for up to a year.
What Is Worker’s Compensation?
Worker’s compensation provides coverage when you experience injuries and illnesses due to your job. California’s Division of Worker’s Compensation oversees this program, which often covers medical expenses and a portion of lost wages similar to short-term disability.
A key difference is that worker’s compensation also provides benefits to dependents in the case of the employee’s work-related death, an aspect absent in traditional short-term plans.
What Should I Do When Filing?
Although short-term disability and worker’s compensation differ, you must do similar things when filing. For example, it is important to act timely whenever you experience an injury or illness that prevents you from working.
You should report your injury or situation as soon as possible—adherence to deadlines is critical for claim validity. Thoroughly document your doctor’s visits and treatments, as comprehensive records can substantiate your claim. You should expect to supply evidence demonstrating that your condition prevents you from performing job duties.
Now that you know what actions to take when filing a claim, you are better prepared to get the compensation you deserve. If California’s Employment Development Department has denied your short-term disability claim, Pershing Square Law Firm can help. Our California-state disability attorneys have extensive experience representing clients and helping them win the benefits they deserve.
