Getting workers’ comp and disability: Tricky but not impossible

Coordination of North Carolina workers’ compensation and disability benefits can be tricky. Wage loss benefits through workers’ comp might offset your disability benefits. Understanding the process for the coordination of benefits is critical. It may help you maximize them to meet your needs.

The North Carolina Industrial Commission states that companies that employ three or more employees must typically have workers’ compensation insurance. However, when filing for workers’ comp and disability, it is a good idea to handle both at the same time.

Workers’ compensation

If you get hurt on the job, you must inform your employer immediately. After you file a claim and get approved, you can receive weekly payments, a lump sum settlement or both. You may receive help in various ways, including the following:

• Wage replacement benefits
• Medical treatment
• Vocational rehab
• Other benefits as needed

The North Carolina IC follows state statutes when handling claims.

Social Security Disability

SSD is a federal program. A five-step evaluation determines if you meet disability requirements. You must also have enough credit earned through working to be disability insured. Benefits you receive through workers’ comp might reduce the social security disability amount, but it is still wise to file for both workers’ comp and disability at the same time.

Workers’ compensation assesses your percentage of disability. The Social Security Administration has an all-or-nothing approach. If you receive a denial of benefits notification for workers’ comp, you can file an appeal. Overturning a denied claim takes a deep understanding of the law. If you do not get approval for SSD, finding out why is crucial for a successful appeal.

The professionals at Christina Rivenbark & Associates are experienced in areas related to work-related illnesses and injuries can help you through the complex process. We can help you with presenting medical evidence about how your condition affects your life. We can also help to negotiate a reasonable settlement for the medical care you need.