Off The Record – Workers’ Comp – Coordination of Benefits
Hi. My name is Craig Rosasco, managing partner at the law firm of Turley, Redmond, Rosasco. And today we’re going to talk about coordination of your financial benefits if you go out of work. What other topic could be more important if you’re out of work than you financial stability for you and your family?
So what do we typically see when someone calls my office? “Hi, Craig, I was injured at work.” And, “I was involved in a motor vehicle accident. I work outside the office.” Okay, so right there, we’ve got two different insurances in play, you’ve got workers’ compensation coverage, you’ve also got no-fault automobile insurance through your automobile. So we’ve got two different types of insurance. The law says workers’ compensation takes primary responsibility for both the medical payments of treatment and also for your lost wages. No-fault then comes over the top, pays a little bit of additional financial compensation, up to 80%, wherein compensation pays 66%. No-fault pays up to 80%. So you’ve got to coordinate that benefit.
Additionally, let’s assume that the driver of the other call was negligent in the accident. Now we’ve got to create and investigate and file a lawsuit against the driver of the other vehicle because it was their negligence that caused your injury, which ultimate caused you lost wages, and we’re going to take everything into consideration.
Once you’re out of work for a certain amount of time. It’s at that point that you can be entitled to file for social security disability. That’s when you’re under age 62, you’re disabled, you’ve paid into the system, and you’re unable to return to work in any substantial gainful activities. You could get social security disability. Last but not least, if you work for your municipality or the state, you could be entitled to either three quarters disability application and benefits, and also a pension if you’re a union work.
So there is a lot involved as to what goes on involved in every case. I’ve been doing this 25 years. I know how to coordinate each and every financial benefit that you’d be entitled to. That’s why you should call me, Craig Rosasco, 516-308-2013, it’ll be the best call you ever made. I promise you. Talk soon.