Workers' compensation is a state-mandated insurance program that provides benefits to employees who are injured or become ill due to their job. These benefits can include medical expenses, lost wages, and disability benefits.
Short-term disability insurance is a private insurance policy that provides benefits to employees who are unable to work due to a short-term illness or injury. These benefits can include a percentage of your salary, as well as medical expenses.
If you are eligible for both workers' compensation and short-term disability benefits, you may be able to collect both benefits at the same time. However, the total amount of benefits you receive may be limited by your employer's workers' compensation policy or your short-term disability insurance policy.
For example, your employer's workers' compensation policy may limit the amount of benefits you can receive to 80% of your average weekly wage. If you are also receiving short-term disability benefits, the amount of your short-term disability benefits may be reduced so that the total amount of benefits you receive does not exceed 80% of your average weekly wage.
It is important to check with your employer's workers' compensation insurance carrier and your short-term disability insurance company to determine the maximum amount of benefits you can receive.