However, if you receive income from another source, you may have to pay taxes on your Social Security disability benefits. In most instances, if a person is hurt at work, Workers Compensation pays the medical bills and reimbursement for lost wages. However, Workers Compensation doesn t cover business owners. Each state administers its own Workers Compensation program, and the federal government may protect those not covered by state laws. If your work injury is severe, you may receive benefits for the rest of your life.
Benefits cover medical care, dismemberment, disability, and death.
Essentially, the medical benefits are the same as those you would get with health insurance. But unlike health insurance, you also get compensated for lost wages as you are considered partially or permanently disabled. It is less likely today that you would receive lifetime benefits because medical advances are helping to get people back to work quicker. Only California, New York, New Jersey, Hawaii and Rhode Island have state sponsored disability programs. These programs are short term and offer lower benefits.