Eligibility For Disability Claim


Q: I broke my ankle when I fell down a flight of stairs and I can't work for six weeks. Can I file a disability claim with my employer?

Answer:

If you were injured at work and your disability is work-related, you may be eligible for workers' compensation disability benefits. For instance, if you fell down the stairs at work while on your way to a company meeting, your disability may be considered work-related. On the other hand, if you fell down the stairs at home because you were in a hurry to get to work, your disability is only indirectly work-related and probably won't be covered under workers' compensation. Workers' compensation laws vary from state to state, so you'll have to check the laws of your state or ask your employer to find out if you are eligible for benefits.

Even if you're not covered under workers' compensation, you may still be eligible for disability benefits under an employer-sponsored disability plan if your employer has one. You won't know until you ask, so check with your employer right away.

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