What is the difference between workers' compensation and disability benefits?

Workers’ compensation and disability benefits are both forms of financial assistance that can be available to individuals in the event of an industrial accident in Hawaii. However, the two types of benefits differ in terms of how they are awarded and what costs they cover. Workers’ compensation is a type of insurance that is provided for workers who experience an industrial accident that causes them to miss work or experience some form of disability. When an employee is injured on the job, they can receive workers’ compensation benefits which will cover medical expenses and lost wages while they are unable to work. In Hawaii, employers are required by law to provide workers’ compensation insurance in order to cover their employees in the event of an industrial accident. Disability benefits, on the other hand, are provided to individuals who experience long-term or permanent disabilities that prevent them from working due to an industrial accident. Disability benefits can be provided by either the state or the federal government, and provide a monthly stipend to help the individual cover their living expenses and medical needs. In addition, disability benefits may also cover the cost of any assistive devices or therapies that the individual may need due to their disability. Overall, the main difference between workers’ compensation and disability benefits is that workers’ compensation is a form of insurance that is provided by employers while disability benefits are a form of financial assistance provided by the government. Workers’ compensation is intended to cover the costs of medical bills and lost wages related to an industrial accident, while disability benefits are intended to provide long-term financial assistance to individuals with permanent or severe disabilities caused by an industrial accident.

What is the difference between workers' compensation and disability benefits?

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