Medical Coverage for Short-Term Disability Benefits

In case of illness or injury sustained outside the workplace, one may be entitled to short-term disability benefits. Some states provide employees with these benefits, and employers in other states can offer short-term voluntary benefits.

Short-Term Disability Insurance (STDI)
Some states provide short-term disability benefits through a state fund paid for by employees, employer contributions, or both. Employers might also offer STDI benefits either fully paid by the employer or subject to employee contributions.

Illnesses Covered by STDI
A short-term disability plan provides payment for lost wages if an employee is unable to work temporarily due to pregnancy or an illness or injury suffered off the job. Qualifying surgeries must be medically necessary. Common examples of medical operations that might qualify for short-term disability benefits are: open heart surgery, caesarean section birth, removal of gallbladder or other internal organs, broken bones, and knee or hip replacement surgery.

The attorneys at the LaMarca Law Group, P.C. can help workers in need of disability benefits. Contact our firm at (515) 225-2600 to see how we can get you the coverage you need.



SSI as a State Supplemental Benefits

Supplemental Security Income, or SSI, is a government-funded disability program that pays recipients a fixed monthly amount.  It is given to disabled people who need assistance with their cost of living.

Every state currently pays SSI to disabled citizens, with the exceptions of Arizona, Mississippi, North Dakota, and West Virginia.

Qualifications and compensation amount vary by state. SSI also depends on civil status, with variations based on whether a person is single, married, living in a nursing home, etc.

The Social Security Administration administers the state supplement for California, Delaware, the District of Columbia, Hawaii, Iowa, Michigan, Montana, Nevada, New Jersey, Pennsylvania, Rhode Island, Utah, and Vermont. In these states, your application for SSI and for the state supplement are the same. The supplemental amounts are shown on the SSA website.



Iowa Workers’ Compensation Benefits Coverage

There are three types of benefits that injured employees are entitled to according to Iowa’s Workers’ Compensation Benefits laws. They are Medical Benefits, Temporary (healing period) Total Disability Benefits, and Permanency Benefits.

  • Medical Benefits: Your company’s insurance carrier and your employer have to shoulder any medical expenses you face after your workplace injury, as well as reimbursement for your travel expenses to and from your appointments.
  • Temporary Total Disability Benefits: If you were forced to take off work due to the workplace injury, your employer is required to pay the amount you would’ve received had you been going to work. You’ll notice the gross income is less than usual and this is because these amounts are not taxable.
  • Permanency Benefits: These benefits are added if the injury you sustained was at work has led to a permanent disability. If the injured body part was the leg, foot, arm, or hand, then the amount received will relate to the level that the injury is debilitating. If the injury happened somewhere on your torso—your back, neck, shoulder, hips, etc.—or your head, then the amount paid is determined by how the injury will affect the person’s ability to obtain an income over the rest of their lives.

If you’ve been left unable to work due to neglect from your employer to prevent your injury, you are entitled to compensation. Contact an attorney with LaMarca Law Group, P.C. at 877-327-2600 if you’ve been denied this compensation from your employer and we might be able to fight on your behalf.



Car crash victim awake after 28 days in coma

A comatose car crash victim regained consciousness nearly a full month—28 days—after she began the ordeal.

The first third of her stay was spent in and out of major surgery to care for her broken neck, arm, wrist, and ankle. The accident occurred when a speeding fugitive hit her head-on in Urbandale.

“I feel really tired and sore, and I’m in a lot of pain,” Martinez said when prompted about how she was feeling. Her family reported feeling elated that she was finally awake and that her children are handling the situation much better now that they know that she is awake and recognizes them. Martinez’s sister, Marcy Ashley, has said that they’ve just started to see the light at the end of the tunnel.

If you’ve been injured in an accident caused by a reckless, speeding, or drunk driver, you may be eligible for compensation for your emotional and physical pain. For a free consultation on your case, contact the Des Moines personal injury attorneys of LaMarca Law Group, P.C., today by calling 877-327-2600.



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