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Social Security Disability Insurance (SSDI) and Workers’ Compensation both help individuals who are unable to work and cover their expenses. Individually, they are both incredibly helpful for disabled individuals. However, many disabled individuals might wonder whether they can collect both Workers’ Compensation and SSDI.
The answer to this question varies from case-to-case, however, any individual who qualifies for both programs can receive benefits from both. However, it is important to note that there is a limit to the amount of money one can receive from both programs. Individuals who are interested in seeking both SSDI and Workers’ Compensation should contact a lawyer for more information.
SSDI and Workers’ Compensation both serve similar purposes, however, they are different. First, individuals should note that they are two different programs. SSDI is a federal program, while Workers’ Compensation is state-run. This is important to note, because Workers’ Compensation programs tend to vary from state-to-state, while SSDI is similar for everyone.
Each program has a different definition of disability. Workers’ Compensation considers an employee disabled when they are unable to perform the tasks related to their current job. The Social Security Administration, however, considers an individual disabled when they are unable to perform any job on the market in the nation. Also, an individual is considered totally disabled if their disability is expected to last longer than a year or if it is expected to cause their death. This difference is important to note because it might affect whether an individual qualifies for one program or both.
Individuals who qualify for both SSDI and Workers’ Compensation should note that there are limitations to the amount of money they can obtain if they participate in both programs. The limit for the amount one receives from Workers’ Compensation and SSDI is 80 percent of the individual’s average earnings. If the amount of money the individual is entitled to is higher than 80 percent, then the amount of money they obtain from SSDI will be reduced. However, since Workers’ Compensation is often temporary, the amount of money an individual receives from SSDI will adjust to a higher amount after it expires.
It is important to note that although Workers’ Compensation affects the amount an individual receives of SSDI, private insurance payments do not affect it. Similarly, a few public benefits, such as Veterans Administration benefits and Supplemental Security Income will not affect a disabled individual’s benefits either.
If you or a loved one is disabled from a workplace injury, please consider contacting a Bear DE Workers’ Compensation lawyer at Rhoades & Morrow. Our lawyers work tirelessly to help our clients obtain maximum compensation for their injuries. If you are interested in speaking to one of our lawyers, contact us online or call us at 302-422-6705. With offices located in Wilmington, Bear, and Milford, Delaware, we proudly serve clients throughout the state, including the areas of Elsmere and Seaford.