There is nothing more frightening than wondering how you are going to pay your bills. It’s one of the most stressful things you can go through. And when you are unable to work due to an injury you suffered on the job, you are probably feeling a little angry–if not for this accident you would be at work making money and supporting your family.
It doesn’t help that even when you start receiving your workers’ compensation benefit, it is only 60 percent of your regular pay. Sure it’s tax free, but you never had 40 percent of your check taken out before and this injury looks like it could be a very long time in healing-maybe years. What are you supposed to do in the meantime?
Can I get Workers’ Comp and SSDI?
From your very job to the present, you have contributed to the Federal Insurance Contribution Act (FICA). Each time you were a paid, a portion of your check was sent to the Social Security Administration insurance fund to cover you in the event you became disabled. You’re wondering, Well how do I get some of that money back? Is workers’ compensation the only thing I have?
The answer is no. If your injury results in you being unable to work for at least a year or more, you may qualify for Social Security Disability Insurance (SSDI) benefits. The Social Security Administration, however, does have very specific criteria you must meet before you qualify.
What do I need to know about Social Security Disability benefits?
In addition to having an ailment that would keep you from working for at least a year, you must show that you are not able to perform any previous job you have had, and that it is unlikely that you could succeed in any job for which you could train.
If this sounds complicated, it is. The determinations made by the Social Security Administration are based on United States Federal law and must comport with those statutes. Understanding all the rules can be difficult and daunting, and is best left to someone who is an expert in this area.
Fortunately, there are many qualified Social Security Disability attorneys who are passionate about helping you understand the benefits that might be available to you, as well as help you apply for benefits. Applying for SSDI is not something you have to do alone.