SSDI: Will disability insurance be available if one cannot work?

Workers in California might find comfort in the knowledge that they are covered by the workers' compensation insurance program which will provide financial assistance in the event of workplace injuries. However, what will happen if they become disabled and are not able to return to work to earn a living? Will they have access to Social Security Disability Insurance? Employers can provide SSDI, which is a federal program, but employees could be covered by the California State disability program or a private insurance provider.

The level of coverage provided will be determined by the type of insurance coverage the worker has. When an employee becomes disabled as the result of an injury or illness, disability insurance can pay full or partial salary benefits. Workers may want to explore the level of coverage they have and secure additional private insurance if their existing benefits are limited.

The disability insurance provided by the State of California only covers non-work related injuries. Coverage includes non-occupational injuries, conditions related to pregnancies, debilitating car accident injuries and other similar matters. For that reason, many workers secure additional, more extensive, coverage through private insurance companies.

However, California workers who have contributed to the federal SSDI program may be entitled to extensive coverage if they are debilitated. The best step might be to consult with an attorney who is experienced in this field of the law. A lawyer can provide guidance throughout the complicated claims process. Such assistance may be particularly necessary in the event of a denied claim. This could happen if certain illnesses or conditions are not covered or if claims are not filed within the time limit.

Source: FindLaw, "What Is Disability Insurance? 3 Basic Questions", Jenny Tsay, Accessed on Jan. 19, 2018

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