If you’re injured at work, you should file a workers’ compensation claim to receive the benefits you’re entitled to. You may also think about filing for Social Security Disability Insurance, or SSDI. But how does workers’ compensation affect SSDI?
What is Workers’ Comp?
Workers’ compensation is the money you receive after aninjury at work or an illness caused by your job. You’re entitled to variousbenefits, including payment for medical billsand money towards your lost wages. You’ll work with a HammondTownsend attorneyto file a workers’ compensation claim and to go through the process. Workers’compensation is governed by each state, and is paid to you from the workers’compensation insurance company of your employer. By Virginia law almost all employers must haveworkers’ compensation coverage.
What is SSDI?
Social Security Disability Insurance, or SSDI, is a federalprogram that allows workers who are disabled badly enough that they cannot workand have enough work credits to receive some Social Security money before theyturn sixty-five (65). You earn work credits for time you’ve spent working andpaying tax into the Social Security system. The exact number of credits youneed to qualify for SSDI is different for different people, based on how muchmoney you’ve earned, how old you are when you became disabled, and what year itis when you’re applying.
SSDI is for long-term disability only, and you must have acondition that prevents you either from working at all or from working to earnmore than a specific amount of money. The maximum amount of money you can earnin a month and still qualify for SSDI changes regularly, but is quite low.HammondTownsend does not file Social Security Disability Insurance claims, butcan connect you with attorneys who do.
How Do Workers’ Comp and SSDI Interact?
The injury or illness from your job that means you qualifyfor workers’ compensation benefits may also make you eligible for SSDI. Forsome people, however, their SSDI payments are reduced because they arereceiving workers’ comp benefits.
Also, someone who is receiving both workers’ comp benefitsand SSDI payments may need to pay tax on the fullamount of the SSDI payments, even if the total amount is reduced. Workers’ comppayments do not have federal or state (Virginia) tax.
Workers’ compensation benefits do not affect regularretirement Social Security payments in any way.
Call HammondTownsend today at 888-580-9048 today for a freeworkers’ compensation consultation. We’ll walk you through every step of theprocess of filing a workers’ comp claim and getting the benefits you’reentitled to.
HammondTownsend is a Virginia workers' compensationlaw firm with offices located in Manassas, Richmond, Roanoke, Harrisonburg,Fishersville and Charlottesville.
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