Navigating Workers’ Compensation and SSDI Benefits: What You Need to Know


Understanding how Workers’ Compensation impacts Social Security Disability Insurance (SSDI) benefits is crucial for anyone who finds themselves unable to work due to a disability. The Social Security Administration (SSA) offers SSDI benefits to individuals who are disabled and cannot maintain regular, gainful employment. However, receiving Workers’ Compensation can affect the amount of SSDI benefits one is eligible for.

Firstly, it’s important to note that while private pensions, insurance benefits, and other similar private sources do not affect SSDI benefits, Workers’ Compensation is a public disability benefit and thus has different implications. Workers’ Compensation is only available if you are an employee and your employer has the requisite insurance. Additionally, the injury or illness must be work-related, and applications must adhere to state-specific deadlines.

A key aspect to understand is the 80% rule. If you are eligible for both SSDI and Workers’ Compensation, the total combined benefits cannot exceed 80% of your average earnings before your disability. For example, if you qualify for 80% of your average earnings through SSDI and another 80% through Workers’ Compensation, you will not receive 160% of your average earnings. Instead, the total amount from both sources will be adjusted so that you only receive up to 80% of your pre-disability earnings.

This can be a complex area to navigate, and every individual’s situation is unique. If you have questions about how Workers’ Compensation might affect your SSDI benefits, or if you need assistance in understanding your specific circumstances, Viner Disability Law is here to help. Our expertise in this field ensures that you can make informed decisions about your benefits and future.