There are many programs and protections that employees should know about when they’re working. Two of the most common are short-term disability and workers’ compensation. While both have to do with injuries and illnesses, they are different.
Some workers are confused by these two options, especially when they overlap. There are times when an illness or injury may trigger both. Understanding the differences and knowing when they apply can be beneficial for employees. Let’s take a closer look at how they work.
Short-term disability
Short-term disability is an insurance benefit. It’s meant to replace part of an employee’s income if they can’t work because of a short-term disability, such as an injury, illness, surgery, pregnancy or other medical condition. This doesn’t protect their job on its own, but it may work in conjunction with other programs that offer job protection.
Workers’ compensation
Workers’ compensation applies if an employee is injured at work or has an occupational disease. It covers the cost of medical care related to the injury and vocational rehabilitation if the worker can’t return to their previous job duties. It may also cover partial wage replacement if the employee has to take time off work. Workers can’t be fired simply because they file for workers’ compensation coverage.
Anyone with a work-related injury or illness should seek assistance with determining what programs they should apply for, including short-term disability. Having them to help you go through the process may be beneficial, particularly if appeals become necessary.