Social Security Disability Related To Workers Compensation

Many workers in Massachusetts have been impacted by work-related injuries or illnesses. While workers’ compensation can provide immediate financial support, individuals with more severe medical conditions may also qualify for Social Security Disability benefits (SSDI) to help secure long-term financial assistance.

Our dedicated legal team at Markey Law Partners has extensive experience in Massachusetts disability law. We can help you understand the options available to you and help maximize your potential benefits.

Workers' Compensation vs. Social Security Disability

Workers' Compensation:

Workers’ compensation benefits are designed to help individuals who suffer work-related injuries or illnesses, by providing financial and medical assistance. Eligibility varies by state and typically depends upon a person’s occupation, the cause of their injury or illness, and the severity of said injury or illness. Benefits can include coverage for medical expenses, lost wages, and vocational rehabilitation.

Social Security Disability (SSDI):

Social security disability is a federal program that offers financial support to individuals with severe medical conditions that prevent them from working full-time. Eligibility is based upon two (2) main factors: a documented medical impairment and a work history demonstrating sufficient social security contributions. SSDI benefits provide beneficiaries with monthly cash payments to help cover living expenses.

The Key Differences:

Both programs aim to assist individuals facing challenging circumstances. Workers’ compensation is specifically linked to work-related injuries and illnesses, while SSDI is solely concerned with one’s disability and its impact on their ability to work, regardless of the cause.

Can You Receive Both Workers' Compensation and SSDI in Massachusetts?

Yes, individuals who qualify for both programs can receive benefits from both programs in Massachusetts. However, it is important to be aware of the “offset” provision implemented by the Social Security Administration (SSA). This rule might lower your SSDI payments to keep the total benefits received within a set limit.

The SSA uses a specific formula to adjust your SSDI, taking into account your earnings before disability and your workers’ compensation payments. This may be confusing to understand, but seeking professional legal guidance can help you formulate a strategy to maximize your overall benefits.

Balancing Workers' Compensation and SSDI Payments

Workers’ Compensation: Primarily addresses the immediate financial impact of your work-related injury or illness. It typically covers:
- Lost wages: A portion of your income while you are unable to work.
- Medical expenses: The cost of treatment associated with your work-related injury or illness.
- Vocational rehabilitation: Rehabilitation to help you regain employment through supplemental training or job placement assistance.
SSDI: This program provides long-term financial support for individuals with severe disabilities. The offset provision may reduce the total benefit amount if you are simultaneously receiving workers’ compensation benefits.
- Monthly benefit: Providing a cash payment to help cover living expenses like housing, food, and utilities.
- Social Security benefits: Contributing to your future Social Security retirement benefits.
- Medicare eligibility: Qualifying you for Medicare health insurance after a waiting period.

Receiving both workers’ compensation and SSDI benefits can ensure your financial stability while recovering from serious work-related injuries and illnesses.

Recognizing Early Signs of Disability

It is crucial to recognize the early signs of a disability that are currently affecting your ability to work, or may affect your ability to work down the road. Look out for early signs of a disability, such as:

Persistent pain or discomfort that interferes with your daily activities and work performance.
Cognitive or neurological difficulties such as memory problems, difficulty concentrating, or impaired decision-making.
Mental health conditions like anxiety or depression that significantly impact your emotional well-being and ability to function on a regular basis.
Physical limitations that restrict your mobility, dexterity, or strength, and hinder your ability to perform your employment duties.

If you are experiencing any of the above signs of early disability, it is important to get a medical evaluation immediately to document your injuries. Recognizing early signs of a disability can help strengthen and support your case for workers’ compensation and SSDI benefits.

Markey Law Partners: Expert Guidance on Workers’ Compensation and Social Security Disability

Do not face the complexities of workers’ compensation and SSDI on your own. At Markey Law Partners, we offer complimentary consultations to analyze your unique situation and determine whether you qualify for either or both of the programs.