Here's a question you probably don't often think about. What will happen to you if you suddenly can no longer work? If you suffer an injury on the job, workers' compensation is there to help you over that bump in the road. The objective of that program is to get you healthy and back to work somehow, somewhere. The benefits available tend to be short term, and that's presuming your claim is approved. Those experienced in the Ohio disability system know that doesn't always happen.
Long-term or permanent disability is a horse of a different color. A great many people don't have coverage through work. Workers' compensation may provide some relief. Programs through Social Security may supplement or be the alternative. On the plus side in the context of Social Security, your disability doesn't have to be the result of work-related injury or illness.
That doesn't mean the path to benefits is a clear one. Denials of initial claims happen often. Appeals follow. Benefits are delayed. Another issue is that not all disabling conditions qualify for SSDI coverage, though the list can and does change at times. In addition, the criteria the government uses to evaluate whether you are eligible differs if you are a child or an adult.
Currently, adults may be able to seek benefits for impairments of the following systems:
- Visual, auditory and speech
- Heart and blood
As of last month, impairments of two other forms are eligible for possible SSDI coverage. They are:
- Immunological disorders
- Mental disorders
Understanding your rights, the processes involved and how benefits might be affected if claims are made under both workers' compensation and SSDI can be complicated and frustrating. A trusted legal advocate at your side can ease those particular conditions.