SSDI vs. Workers Compensation Benefits | Beacon Disability

Workers’ Compensation vs. Social Security Disability Benefits: What’s the Difference?

Do you have an on-the-job injury and don’t know whether you should apply for workers’ compensation benefits or Social Security disability benefits?

My name is Kaitlin Wildoner, and I’m an attorney who helps disabled clients obtain their disability benefits as quickly as possible so they can focus on getting better.

Today we’re going to talk about Social Security Disability benefits versus Workers’ Compensation benefits.

What Are SSDI Benefits?

SSDI benefits—Social Security Disability Insurance benefits—are part of a federal program that’s administered by the Social Security Administration.

SSDI benefits are available to individuals with disabilities that prevent them from engaging in substantial gainful activity.
Eligibility for SSDI benefits is based on work credits earned through paying Social Security disability taxes.
SSDI benefits typically cover long-term disabilities expected to last at least 12 months or result in death.
SSDI provides financial assistance to individuals unable to work due to disability.
The monthly benefit amount is determined based on an individual’s work history and average lifetime earnings.
Individuals typically become Medicare-eligible after a two-year waiting period from the date of disability benefit onset.
There is no requirement for the disability to be work-related in order to qualify for SSDI benefits.

What Are Workers’ Compensation Benefits?

Workers’ compensation benefits, on the other hand, are employer and/or state-based programs that provide benefits to workers who are injured or become ill due to job-related circumstances.

Laws vary from state to state and sometimes employer to employer, including whether you work for the government or a private employer.
Workers’ compensation benefits are designed to compensate for:
- Medical expenses
- Lost wages
- Rehabilitation services resulting from work-related injuries or illnesses.
Eligibility depends on being an employee covered by workers’ compensation laws.
Workers’ compensation cases can include:
- Temporary benefits for temporary disabilities
- Permanent benefits for permanent disabilities
The benefit amount can vary based on:
- The severity of the disability
- The individual’s pre-injury earnings
Workers’ compensation claims can cover:
- Medical treatment
- Wage replacement
- Vocational rehabilitation
- Or other related costs
Generally, workers’ compensation does not provide long-term disability benefits if the disability is not work-related.

Can You Receive Both?

It’s important to note that SSDI and workers’ compensation benefits are separate programs with different eligibility criteria and purposes.

In some cases, individuals may be eligible to receive benefits from both programs simultaneously, but the benefits may be subject to coordination and offset.

Get Help Understanding Your Options

Consulting with attorneys can help provide personalized guidance and ensure that you understand your rights and options regarding these benefits.

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