There are different types of benefits available to people who can't work due to an illness, injury or other condition. The key is understanding which one is appropriate for you.
A carpenter working in commercial construction slices open his hand while using a circular saw that has malfunctioned. He is rushed to the emergency room, where a physician stitches up his hand and recommends a visit with an orthopedic surgeon. The surgeon has bad news: The cut was deep, and caused massive nerve damage. The doctor will have to operate immediately to repair the damage and ensure the carpenter can regain full use of the hand. It could take months to heal. The carpenter supports his wife and children - and he's worried.