Workers’ compensation helps people who get hurt on the job. It provides medical benefits and wage replacement while recovering. Sometimes, though, injuries are severe enough that a person can no longer work. In these cases, workers’ comp benefits might not be enough, and someone may need to turn to Social Security Disability (SSD) for additional help.
When workers’ comp isn’t enough
Workers’ compensation benefits can cover medical expenses and some lost wages. However, when an injury or illness leads to a long-term or permanent disability, workers’ comp might not provide the needed financial support forever. If a person cannot return to work at all, Social Security Disability may become the next step for ongoing income support.
Qualifying for Social Security Disability
To qualify for SSD, someone must meet strict requirements. Their disability must last at least 12 months or be expected to result in death. Additionally, the person must have a sufficient work history, earning enough “work credits” through paying Social Security taxes. Workers’ compensation benefits can support a worker during the short term, but SSD benefits are there to help if the worker can no longer earn an income because of their condition.
How workers’ comp affects SSD benefits
Receiving workers’ compensation benefits can affect how much someone gets from Social Security Disability. If someone is eligible for both, the combined total of workers’ comp and SSD cannot be more than 80% of their previous average earnings. In some cases, Social Security may reduce the SSD benefits to ensure this limit is not exceeded. Still, getting both types of benefits can help make ends meet when a serious injury keeps someone from working.
Planning for long-term support
Injuries at work can sometimes lead to long-term disabilities that change someone’s life forever. Workers’ compensation is the first safety net, but it might not be enough in cases of permanent disability. Applying for Social Security Disability can provide crucial financial support when returning to work is not possible. Understanding how workers’ comp and SSD work together can help people navigate these challenging situations and ensure they get the help they need.
