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Long Term Disability Offset Part 4
Even though the LTD carrier receives significant benefit from an award of social security disability benefits to a disabled person, there are still reasons why an award of SSD benefits is beneficial to an individual. First, unlike LTD benefits, SSD benefits are subject to cost of living adjustment increases, which…
What to do after a workplace injury
Workplace accidents can be some of the scariest experiences in a North Carolina resident’s life. But it is vital to remain calm and make sure you take the proper steps in order to receive proper care and workers’ compensation. Here are just a few quick points to remember if you…
What is the role of the North Carolina Industrial Commission?
Workers who suffer job-related injuries or illnesses in North Carolina and who seek to file workers compensation benefit claims have two options available to them in seeking assistance. One is to use the North Carolina Industrial Commission, specifically its Workers Compensation Information Specialists Section. Beyond the information generally available on…
Long Term Disability Offset Part 3
Often, an individual will be receiving long term disability benefits during the time that his social security disability claim is pending. In an employer funded plan, the eventual receipt of social security disability benefits will result in an obligation to repay the LTD insurance company from back benefits, less the…
Long Term Disability Offset Part 2
If an individual is receiving long term disability insurance benefits from a plan provided through employment, an award of social security disability benefits often results in a dollar for dollar reduction of LTD benefits. This does not occur as frequently with long term disability plans directly purchased by an individual…
OSHA protects workers from ergonomic hazards
The Occupational Safety and Health Administration protects people from a variety of workplace injuries, illnesses, and deaths. One type of injury that is covered by OSHA and that you may not be familiar with is an ergonomic injury. The term ergonomic injury is used to describe any injuries or illnesses…
Not all work accidents take place on the job site
Workers’ compensation claims frequently, but not always take place in the context of employees being injured at their place of employment, such as a construction site, factory floor or office. But we at Ayers, Whitlow & Dressler know that what is most important in establishing a claim for workers’ compensation…
Long Term Disability Offset
The receipt of long term disability insurance benefits does not reduce disability payments from the Social Security Administration. However, the reverse is not true. Receipt of SSA disability often reduces the amount of long term disability benefits paid based on the terms of the contract of insurance. It is very…
Workers’ Compensation Offset
Disability benefits are subject to reduction on account of workers’ compensation benefits paid to an injured person. There is a formula used to do this. What’s important for you to know is that if you have received, or are receiving workers’ compensation benefits, please notify your attorney to avoid any…
Understanding North Carolina workers’ compensation death benefits
The death of a family member from an incident connected to employment is extremely difficult for surviving family members. The purpose of workers’ compensation is to at least partially alleviate such work-related loss by providing weekly compensation payments and covering burial expenses. Navigating North Carolina’s Worker’s Compensation Act, however, can sometimes feel…
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