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In: Operations Management

How do disability insurance benefits differ from workers' compensation?

How do disability insurance benefits differ from workers' compensation?

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Expert Solution

How do disability insurance benefits differ from workers’ compensation?

Workers’ compensation only provides coverage for injuries and illnesses that are work-related. Disability insurance benefits will cover all injuries and illnesses. As a result, an employee may be able eligible to receive state benefits under workers’ compensation as well as Social Security disability in addition to their disability benefits. Employers therefore include offset provisions in their policy reduce the company-sponsored benefits obligations based on payments received from other sources.


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