If a patient is injured while at work, her employer’s workers compensation policy can cover much of the services required for treatment. Each policy is different and maintains strict eligibility requirements. These need to be verified with the patient’s employer and appropriate state offices. Be sure to find out about pay due to vacation time, sick leave, long-term disability income. Check the possibility of an extended leave of absence being granted, and eligibility for pension benefits. Some insurance policies provide for supplemental income following accidents. Workers’ compensation may also provide income in some cases.
Crime Survivor’s Compensation
If the brain-injury resulted from an assault or violent crime, the survivor may be eligible for benefits through this program. Approval for benefits is through an application process initiated by contacting the local justice administrative office. Benefits will vary with crime survivor’s compensation as well.
Long-Term Sources of Income
Supplemental Security Income (SSI)
SSI is available to disabled individuals (defined according to the Social Security Administration) who have never been employed, have a low income, few assets, or were disabled prior to having contributed to the Social Security fund. Eligibility is based on financial need. SSI benefits are considered a supplement, and the amount paid can vary from state to state. Application is through the Social Security Administration.
Social Security Disability Income (SSDI)
SSDI is available to individuals whose disability occurred within five years of their last employment, and have been employed a specified length of time. Spouses over age 62 may receive benefits, as well as a spouse of any age who is caring for a child who is disabled or under age 16. Widows and widowers over age 50 who become disabled are eligible for this benefit provided their deceased spouse would have met the requisite employment criteria. Unmarried children may also receive