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A worker’s compensation benefit is paid to an employee that has a job-related injury or illness. These benefits can be paid by state or federal worker’s compensation agencies, insurance companies or employers on behalf of the employees.

It is important to note that the disability payments from private sources – such as insurance benefits or private pension – do not affect one’s social security disability benefits. However, other public disability benefits such as worker’s compensation may reduce your social security benefits. The other public disability payments that affect your social security benefits are those paid by the state, federal, or local governments for disabling job-related medical conditions.

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An employer may not single out pregnancy-related conditions for special procedures to determine an employee’s ability to work. However, if an employer requires its employees to submit a doctor’s statement concerning their inability to work before granting leave or paying sick benefits, the employer may require employees affected by pregnancy-related conditions to submit such statements.
If an employee is temporarily unable to perform her job due to pregnancy, the employer must treat her the same as any other temporarily disabled employee. For example, if the employer allows temporarily disabled employees to modify tasks, perform alternative assignments or take disability leave or leave without pay, the employer also must allow an employee who is temporarily disabled due to pregnancy to do the same.
Pregnant employees must be permitted to work as long as they are able to perform their jobs. If an employee has been absent from work as a result of a pregnancy-related condition and recovers, her employer may not require her to remain on leave until the baby’s birth. An employer also may not have a rule that prohibits an employee from returning to work for a predetermined length of time after childbirth.
Employers must hold open a job for a pregnancy-related absence the same length of time jobs are held open for employees on sick or disability leave.

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Injured workers are entitled to receive benefits under the worker’s compensation law. Here are some types of disabilities where the workers can claim compensation:
• Temporary Total Disability – a benefit payable when the injured worker is unable to work because he or she is under active medical care and has not reached maximum medical improvement. Compensation is two-thirds of the employee’s average weekly wage.
• Temporary Partial Disability – when the injured worker is still able to do some work, however he or she is still recovering from the effects of the injury, and therefore, can only perform limited amount of work.

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Since the early 1970’s, employers have encountered steadily rising health care, worker’s compensation and other disability-related expenditures. The current estimate from the Federal Census Bureau indicates that the direct costs of disability have reached an all-time high of $340 billion. That’s why the U.S. labor force is rising more slowly today than it has in the preceding three decades.

Private Insurance Companies are offering disability coverage to a selected portion of the U.S. working population. But some employers are opt to self-insure disability benefits so that they can gain maximum control over the type and length of coverage while defining the types of impairments and classes of employees to which the coverage applies.

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Disability benefits are given to any individuals with medical conditions that limit their capability to do work. The progression of aging workers along that range of benefits is documented with data from a large disability insurance company. The data prove that older workers who tend to received short-term medical disability benefits are three times as likely as younger workers to progress to receipt of Social Disability Insurance Benefits, although a slight reversal of that trend occurs as workers pass the age of 62.

Musculoskeletal condition and Circulatory conditions are the most common basis of short term disability claims among aging workers.

to be continued…

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• Permanent Partial Disability – compensation is given to some types of permanent conditions that will still allow the worker to work.
• Permanent Total Disability – in order to receive this compensation, the worker must prove that he has a permanent problem, and that he is unable to go back to work in any capacity.
Although in many states, there are rulings where workers that can only perform undependable, sporadic, or occasional work may still be considered permanently totally disabled. Also frequently, the state worker’s compensation law will allow lawyers to offer evidence where a worker’s age, training, education, and experience will prove that the worker is already incapable of working.