If you have been injured while working, it may be possible to receive benefits from both workers' compensation and Social Security Disability Insurance (SSDI) if you meet certain qualifications
Both programs, however, have different definitions of disability and have different requirements for eligibility. Because of this, it may be difficult to get both types of benefits at the same time.
Workers' compensation eligibility varies depending on the state you live in, requires you to have been injured while working and is temporary support. SSDI requires you to be disabled from working any job for at least 12 months and has specific criteria that must be met before becoming eligible for benefits that could extend beyond a year.
SSDI Benefit Information
If you think you will be disabled for at least 12 months, do not wait to apply for SSDI benefits even if you are currently receiving workers' compensation. It takes time to process your disability application and your workers' compensation may run out while your SSDI claim is in the works.
There is an important factor to keep in mind if you are already collecting workers' compensation and are trying to receive SSDI benefits. Your total income from both workers' compensation and SSDI cannot exceed 80 percent of your prior wages.
For example, 80 percent of your estimated $1,000 earnings is $800. If you are receiving $600 from workers' compensation, the maximum income you can get in SSDI benefits is $200. However, once your workers' compensation ends, your SSDI benefits will increase to your maximum amount.
Since applying for SSDI benefits can be complicated, it is a good idea to speak to a disability attorney before you begin your application.