FAQs on Workers' Compensation
Mar 29, 2004 12:37 PM
Benefits for Injured Workers
The chart below explains four different benefits for injured workers.
Workers’ | Disability | Social Security Disability (SSDB) | Unemployment (UI) |
| For job-related injuries or illnesses Paid by employer’s WC insurance carrier | For off-the-job injuries or illnesses that keep you from working. Disability benefits can also be paid if the WC insurance carrier decides to fight your case Paid by employer’s disability insurance carrier or your Union or the state of NY
| Doctor expect you to be able to work 12 months or more Paid by you and employer as part of your social security (FICA) tax You can get WC and SSDB but combined can not exceed 80% of average weekly wage. Two years after your date of diagnosis, you may be entitled to Medicare benefits | For laid off workers Paid by employer to NY State Dept. of Labor
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| Pays: 100% of all medical | Pays: No medical | Pays: About 50% of your wages - the total of your WC and your unemployment payments can not exceed 100% of your average weekly wage after taxes You may be entitled to both unemployment and WC if you are ready and able to work (at a job you can do with your limitations, such as a light duty job) but you can’t find one Usually lasts 26 weeks | |
| Pays: About 66% of lost wages (about the same as your after-tax paycheck) | Pays: About 50% of lost wages You must have worked 30 days Usually a 26-week maximum
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| Pays: Additional money and benefits Payment can continue as long as your condition does, even if you change job or lose health insurance. If your condition means you can never return to work, you are entitled to payment for the rest of your life. |
