[[{"@context":"http:\/\/schema.org","@type":"Answer","name":"Answer Question","text":"Workers\u2019 compensation insurance provides benefits to employees who get hurt or sick while performing their job-related duties. In Georgia,\u00a0workers\u2019 compensation laws\u00a0require employers with three or more employees to carry workers\u2019 compensation insurance. Benefits cover both part-time and full-time employees, including minors.","@id":"https:\/\/www.sherrodandbernard.com\/blog\/workers-compensation-vs-disability-insurance\/#Answer"},{"@context":"http:\/\/schema.org","@type":"Answer","name":"Answer Question1","text":"Disability insurance replaces part of a worker\u2019s lost income due to an illness or injury. Workers\u2019 compensation covers only conditions stemming from work-related tasks, while disability insurance covers injuries and illnesses on or off the job.","@id":"https:\/\/www.sherrodandbernard.com\/blog\/workers-compensation-vs-disability-insurance\/#Answer1"},{"@context":"http:\/\/schema.org","@type":"Answer","name":"Answer Question2","text":"Social Security disability\u00a0is a federal program available to those who: Have a medical condition meeting the SSA\u2019s definition of disability; Paid Social Security taxes while working; Earned a specific number of work credits before applying for benefits.","@id":"https:\/\/www.sherrodandbernard.com\/blog\/workers-compensation-vs-disability-insurance\/#Answer2"},{"@context":"http:\/\/schema.org","@type":"Answer","name":"Answer Question3","text":"Individual disability insurance provides an additional payment each month for covered disabilities. It supplements the benefits received from long-term disability (LTD) since it is subject to maximum benefit amounts. People with high salaries, or who depend on commissions or bonuses, can benefit from individual disability.","@id":"https:\/\/www.sherrodandbernard.com\/blog\/workers-compensation-vs-disability-insurance\/#Answer3"},{"@context":"http:\/\/schema.org","@type":"Answer","name":"Answer Question4","text":"You can qualify for SSD and workers\u2019 compensation benefits since they are separate types of coverage. Applying for one doesn\u2019t automatically exclude you from the other.  The Social Security Administration\u00a0limits monthly SSD payments if someone also collects workers\u2019 compensation benefits. Your total benefits cannot exceed 80 percent of your average current earnings (ACE) before getting sick or hurt. The SSA will use a formula to determine your ACE rate when you apply.","@id":"https:\/\/www.sherrodandbernard.com\/blog\/workers-compensation-vs-disability-insurance\/#Answer4"},{"@context":"http:\/\/schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","acceptedAnswer":{"@id":"https:\/\/www.sherrodandbernard.com\/blog\/workers-compensation-vs-disability-insurance\/#Answer"},"name":"What Is Workers\u2019 Compensation?","@id":"https:\/\/www.sherrodandbernard.com\/blog\/workers-compensation-vs-disability-insurance\/#Question"},{"@type":"Question","name":"What Is Disability Insurance?","acceptedAnswer":{"@id":"https:\/\/www.sherrodandbernard.com\/blog\/workers-compensation-vs-disability-insurance\/#Answer1"},"@id":"https:\/\/www.sherrodandbernard.com\/blog\/workers-compensation-vs-disability-insurance\/#Question1"},{"@type":"Question","name":"What Is Social Security Disability (SSD)?","acceptedAnswer":{"@id":"https:\/\/www.sherrodandbernard.com\/blog\/workers-compensation-vs-disability-insurance\/#Answer2"},"@id":"https:\/\/www.sherrodandbernard.com\/blog\/workers-compensation-vs-disability-insurance\/#Question2"},{"@type":"Question","name":"What Is Individual Disability Insurance?","acceptedAnswer":{"@id":"https:\/\/www.sherrodandbernard.com\/blog\/workers-compensation-vs-disability-insurance\/#Answer3"},"@id":"https:\/\/www.sherrodandbernard.com\/blog\/workers-compensation-vs-disability-insurance\/#Question3"},{"@type":"Question","name":"Can I Qualify for More than One Form of Coverage at the Same Time?","acceptedAnswer":{"@id":"https:\/\/www.sherrodandbernard.com\/blog\/workers-compensation-vs-disability-insurance\/#Answer4"},"@id":"https:\/\/www.sherrodandbernard.com\/blog\/workers-compensation-vs-disability-insurance\/#Question4"}],"name":"Workers\u2019 Compensation vs. Disability Insurance","@id":"https:\/\/www.sherrodandbernard.com\/blog\/workers-compensation-vs-disability-insurance\/#FAQPage"}],{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Blog","item":"https:\/\/www.sherrodandbernard.com\/blog\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"Understanding Workers\u2019 Compensation vs. Disability Insurance","item":"https:\/\/www.sherrodandbernard.com\/blog\/workers-compensation-vs-disability-insurance\/#breadcrumbitem"}]}]