man with workplace injury

Can You Receive Workers’ Comp and SSD Benefits at the Same Time?

People receive workers’ compensation when they have been injured on the job whereas they receive social security disability (SSD) benefits when they have a debilitating condition or disability that prevents them from working. But when an injury on the job results in a debilitating condition or disability that renders you unable to work, you may wonder whether you are allowed to receive workers’ compensation benefits and SSD benefits at the same time. The simple answer: yes. 

Workers’ Comp Can Impact SSD Benefits

Although you are allowed to receive workers’ compensation benefits and SSD benefits at the same time, it doesn’t mean that you’ll receive the full amount of both. Workers’ compensation benefits may reduce the amount of money that you receive in SSD benefits. 

Workers’ compensation benefits are paid by your employer, his or her insurance company, or by federal or state workers’ compensation agencies whereas the Social Security Administration (SSA), through federal funding, pays SSD benefits. 

Calculating Your Benefits

To determine how much you are entitled to in benefits, you must add together what you receive for workers’ compensation benefits, SSD benefits, and any additional public disability benefits. This total cannot be more than 80 percent of your average earnings before you became disabled. If this totals to more than 80 percent, the amount over will be deducted from your SSD benefits. 

For example, if you were averaging $5,000 a month prior to becoming disabled and received $2,500 per month in SSD benefits as well as $2,000 in workers’ compensation benefits, your total received ($4,500) exceeds 80 percent ($4,000) of your average current earnings ($5,000). Therefore your SSD benefits would be reduced by $500.

The amount of SSD benefits that you receive can be impacted by lump-sum workers’ compensation payments (as opposed to monthly payments). Likewise, since workers’ compensation and other disability payments impact the amount of SSD that you receive it’s imperative that you inform the SSA of any changes in the amount you receive as soon as you can. 

The PA Workers’ Comp Attorneys at Nikolaus & Hohenadel, LLP Can Help

Trying to calculate your current average earnings can be extremely confusing and miscalculating can result in other issues. That’s why it’s in your best interest to consult with a knowledgeable and experienced Pennsylvania attorney who specializes in both workers’ compensation and SSD benefits. He or she can help you to correctly calculate your average earnings and walk you through the entire process. 

If you or a loved one has been injured while on the job, it can leave you with physical, emotional, and financial issues. Luckily, the attorneys at Nikolaus & Hohenadel, LLP can help. We understand the impact that a work injury can have on your future ability to make ends meet. That’s why we’re here to help you. To learn more, or to schedule a consultation, contact us today!