July 2026 – Fraternal Benefits Message

While workers’; compensation provides benefits for work-related injuries and illnesses, it

doesn’t cover disabilities that occur outside of the workplace. Disability insurance

extends your financial protection to a wider range of situations, including illnesses and

injuries from non-work-related events like car accidents or sports-related injuries.

Therefore, it’s a good idea to have both, as they offer complementary coverage. Here’s

a more detailed explanation. Workers’; Compensation: This is a mandatory insurance

program for employers in most states, designed to cover medical expenses and lost

wages for employees injured or becoming ill due to their job. Disability Insurance: This

is a private insurance policy, not always mandatory, that provides income replacement

for disabilities that prevent you from working, regardless of whether the disability is

work-related or not. Complementary Coverage: Disability insurance can be crucial for

situations where workers’ compensation doesn’t apply. For instance, if you’re injured

while commuting to work, at home, or during recreational activities, workers’

compensation wouldn’t cover those situations. Supplementing Benefits: Even when

workers’; compensation does apply, disability insurance can supplement the benefits,

especially if workers’ compensation doesn’t fully cover your lost income or if your

disability extends beyond the duration of workers’ compensation benefits. In essence,

workers’ compensation acts as a safety net for work-related incidents, while disability

insurance provides a broader safety net for a wider range of potential disabling events.

The Knights of Columbus offer disability insurance for members and their families along

with many options for financial protection. Give me a call and let me know how I can

help you best.

Ryan Janak – Field Agent

832-693-3160