What Is The Difference Between Workers Comp And Disability Insurance?

  1. 12689 POINTS
    Ted Ratliff
    Owner, SFS Associates,
    Workers Comp is disability insurance provided by your employer if you are injured on the job.  Disability insurance covers you for disability on or off the job depending on the policy.  Unless it is tied to your group plan you own your Disability Insurance and you take it with you.  Example:  Workers Comp would pay if you fell off of a ladder at work and broke your leg.  It would not pay if you fell off a ladder at home and broke your leg.  A disability policy would.
    Answered on May 20, 2013
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  2. 11783 POINTS
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    Larry GilmorePRO
    Agent Owner, Gilmore Insurance Services, Marysville, Washington State
    What is the difference between workers compensation and disability insurance? Actually the differece is where you are at the time the disability. Workers Compensation Insurance covers you for at work activities, mainly accidents. Illness with worker's comp is much harder to prove. Disability insurance is your off the clock, accident AND illness coverage.
    Answered on May 20, 2013
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