Social Security Disability Insurance – Explained by Worker’s Comp Lawyer

What is Social Security Disability Insurance?

Unlike worker’s compensation, workers are eligible to receive social security disability insurance (SSDI) for any injury –including non-work-related incidents – as long as the injury affects the worker’s ability to participate in the workforce. Disability is covered by the state rather than your employer. SSDI is funded through deductions in your paycheck and is resourced to any worker who has paid into the system for a long enough period of time to reach the limit of necessary contributions to the Social Security trust fund – paid in the form of what are known as FICA Social Security taxes.

What if I’m not Eligible for SSDI?

For low-income individuals or individuals who have not been employed or who have not paid enough into the SSDI system, the Social Security Administration offers Supplemental Security Income (SSI). SSI is funded by general fund taxes. In order to qualify for SSI, you must have less than $2,000 in assets and a limited income.

How Do I Qualify for SSDI?

To qualify for SSDI, your disability must prevent you from earning a minimum salary as a full-time employee. The disability must also either have lasted, or be expected to last at least one calendar year or is expected to result in death. The Social Security Administration offers a full range of acceptable disabilities in the “Blue Book.” This list does not comprise the full list of acceptable disabilities. If your disability is not listed, you may still qualify. If your injury or disability keeps you reliant on SSDI for two years, you will become eligible for Medicare.

What Does SSDI Insurance Cover?

SSDI covers partial lost wages and medical expenses. Under the plan, any dependents that fall under the disabled recipient are also eligible to receive auxiliary benefits – partial benefits to aid spouses and children. There is a 5-month waiting period before receiving benefits.

Can I Receive Other Forms of Aid with SS Insurance?

You may be eligible to receive social security if you are receiving worker’s compensation, but only under certain circumstances. You would be expected to repay any social security coverage that worker’s compensation also covers. Under SSI, you can receive other forms of government aid, including Medicare, food stamps, and welfare.

How Do I File a Claim?

You can file a social security disability claim through the Social Security Administration on their web page, telephone, or in-person in an office. The worker’s compensation claim process can be overwhelming, time-sensitive, and complex. It may be helpful to seek aid from a worker’s compensation lawyer.