Workers’ who have suffered a serious injury while on the job may find themselves wondering if they can apply for Social Security Disability Insurance (SSDI) benefits while they are collecting workers’ compensation benefits. The short answer is yes; however, applying for these benefits at the same time may not be in your best interest.
Understanding the Benefit Types
Workers’ compensation is an insurance policy that covers workers’ who are injured on the job. This policy covers all medical expenses related to the injury and pays a portion of the weekly wages of the worker.
SSDI is a federal program that serves people who are unable to work due to a disability, and it provides them with a form of income on a monthly basis. This program is for workers’ who are unable to work and are medically verified as disabled. This program is run by the Social Security Administration and has very specific guidelines that must be met to qualify for the program.
It is possible for a person to qualify for one program and not the other. It is also possible to qualify for both programs. Every case is different and there is no guarantee that a person will qualify for SSDI benefits. It is advisable to speak to a workers’ compensation attorney about the potential for receiving SSDI benefits based on your injury and disability.
If you qualify for both programs, the income you receive from workers’ compensation and SSDI must not equal more than 80 percent of your previous wages. According to the guidelines by the Social Security Administration, if the amount exceeds 80 percent, SSDI benefits will be permanently reduced to the point that the benefits do not exceed this total amount.
This is why it may be in your best interest to file for each of these benefits separately. When your workers’ compensation benefits end, you will face a reduced SSDI benefit if it was adjusted at an earlier point in time. However, if you apply for SSDI benefits after the workers’ compensation runs out, your benefits will be for the full amount offered by the SSDI program.
Speak To A Workers’ Compensation Attorney
For the most accurate information regarding your benefits when you have been injured on the job, speak to a workers’ compensation lawyer. Your attorney will be able to review all the facts of the case and advise you on the best steps to take when seeking benefits and compensation for your injuries. Every case is as unique as the individual and it is important that you work with an attorney for the best results.
If you have any questions about an on the job injury, workers’ compensation benefits, or benefits from SSDI, you are encouraged to speak with one of our attorneys today!