Were You Disabled by a Workplace Accident? The Benefits You Receive May Affect Each Other
If you have been temporarily or even permanently disabled by a workplace injury, your future can suddenly feel as though it is hanging by a thread. From your earning potential to your medical bills, you are suddenly expected to juggle major decisions and challenges as you face the reality of a less-then-perfect recovery from your injuries.
While there are several disability payment options available to those who have been hurt at work—including workers’ compensation, Social Security disability, and private insurance benefits—it can be very difficult to navigate these options alone. Which one is right for you? Can you collect payments from more than one source? Below, we discuss the relationship between two of the most commonly used public benefits—workers’ compensation and Social Security disability.
Can I Collect Payments From Both Workers’ Comp and Social Security Disability?
After a workplace injury has left you disabled, you may be able to collect several different kinds of public and private benefit sources. Private benefits, such as your own insurance, can be helpful, but may only last for a short time. For most people, it is beneficial to also turn to public benefits, such as workers’ compensation and Social Security disability benefits.
You are able to collect from multiple public sources at the same time, but there is one very important thing to keep in mind: the total amount of the public source disability benefits that you can receive cannot be greater than 80 percent of your average earnings prior to your disability.
This means that if your total earnings from workers’ compensation, either in monthly payments or a single sum, combined with your Social Security Disability (SSD) benefits are greater than 80 percent of your average earnings, your SSDI benefits would be reduced to meet the 80 percent mark. When your workers’ compensation payments end, your SSDI payments will adjust accordingly.
Learning to juggle the many benefits, rules, and exceptions facing those with workplace accident-related disabilities can be extremely stressful and difficult. Our law firm can help guide you through the process to help ensure that you are receiving the proper benefits in the correct amounts. If you have questions about your benefits, contact us today by calling our office, or by filling out the online contact form.