Professionals dealing with debilitating medical conditions may be eligible for certain special benefits. In cases where a diagnosis directly relates to job functions, they might be eligible for workers’ compensation benefits.
In scenarios where a condition is so debilitating that the professional cannot work at all anymore, they might qualify for Social Security Disability Insurance (SSDI) benefits. Certain factors become complications for those seeking workers’ compensation or SSDI benefits. For example, a pre-existing medical condition could potentially influence benefit eligibility and the overall complexity of the application process.
What impact can a pre-existing condition have on a worker’s benefit options when they cannot work or require medical support?
Pre-existing conditions complicate workers’ compensation claims
Any medical condition that is the direct result of an individual’s employment could qualify for workers’ compensation coverage. Many people seeking benefits need coverage for new medical conditions that originate during their employment. However, workers’ compensation can also cover pre-existing conditions that worsen because of an employee’s job.
Provided that there is medical documentation showing that the severity of the symptoms has increased because of the applicant’s employment, they may be eligible for medical benefits and even disability coverage. Documenting how employment may have affected a pre-existing condition is a key component of qualifying for benefits with a pre-existing condition.
SSDI benefit eligibility depends more on condition severity
Pre-existing conditions are usually not a major complication for SSDI applicants. The Social Security Administration (SSA) reviews every application at length to determine if an individual qualifies. The main considerations are whether the condition is severe enough to prevent them from maintaining gainful employment and if it lasts long enough for the worker to be eligible.
A pre-existing condition that has worsened can be severe enough to prevent an employee from continuing their job. If they meet that standard and the condition should last a year or longer, then they very well may be eligible for SSDI benefits.
In some cases, it is possible to qualify for workers’ compensation benefits and SSDI benefits at the same time. Those anticipating a complex claims process because of complicating factors may need help. Learning about the criteria for SSDI benefits and the rules for workers’ compensation can help people with pre-existing conditions optimize their benefits.
