Can you receive workers’ compensation and SSDI simultaneously?
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Can you receive workers’ compensation and SSDI simultaneously?

On Behalf of | May 10, 2022 | Workers' Compensation |

If you get hurt on the job in Ohio or develop a medical condition because of your employment, you can file a claim for workers’ compensation benefits. Those with medical issues serious enough to force them to leave their job for a year or longer could potentially receive Social Security Disability Insurance (SSDI) benefits.

Many workers struggle to understand their rights under different benefits programs. Some workers think that they cannot receive SSDI and workers’ compensation simultaneously. It is true that workers cannot receive unemployment benefits and SSDI at the same time because the qualifications contradict each other, but disability benefits are different.

There are no rules that prevent you from receiving both workers’ compensation and SSDI benefits, only limits on what they will offer you.

Why do workers need two kinds of benefits?

Some people might assume that if a worker qualifies for one kind of disability benefit they won’t need another program. If you already have an approved claim for workers’ compensation, going through the stress of applying for SSDI benefits may seem unnecessary.

However, both of these programs fall far short of maintaining a worker’s pre-injury income level and lifestyle. Workers’ compensation will only pay you up to two-thirds of your average weekly wage, and SSDI benefits also have a relatively low maximum amount.

Combining both of these programs can help you cover more of your expenses when you are unable to work. At most, you can expect a combination of these two benefit programs to replace 80% of your average wages prior to your injury.

The documentation from a workers’ comp claim can help with an SSDI claim

When you have already undergone the extensive medical treatments and evaluation required for workers’ compensation cases, you will have a lengthy paper trail helping to establish the severity of your medical condition and its impact on your household finances. Those medical records can help you build a case for SSDI benefits as well, while the indemnity benefits can help you cover expenses during the sometimes lengthy process of getting approved for SSDI, which may require an appeal.

Learning more about the rules that govern Ohio workers’ compensation claims and SSDI benefits can make it easier for you to support your family after developing a medical condition because of your work.

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