Accidents and mishaps at work can be devastating, both physically and financially. While workers’ compensation is designed to provide some reprieve, questions often arise about the possibility of pursuing disability benefits after going through with a workers’ comp settlement.
What is Workers’ Compensation?
Workers’ compensation is a state-mandated insurance program that provides compensation to employees who sustain injuries or illnesses while on the job. This compensation covers medical expenses, rehabilitation, and a portion of lost wages.
What is Disability?
Disability benefits, on the other hand, are provided through the Social Security Administration (SSA) and are designed to assist individuals who are unable to work due to a severe and long-term disabling condition.
Can One Receive Both?
Historically, many individuals have assumed that once they’ve received a workers’ comp settlement, they are ineligible for disability benefits. This is not necessarily the case.
While the laws and specifics can vary by state and the individual’s situation, generally speaking, one can apply for and potentially receive Social Security disability benefits even after a workers’ comp settlement.
However, there might be an offset, meaning the SSA might reduce your disability benefits by a certain amount if you’re also receiving workers’ compensation. This is to prevent double-dipping or receiving more than 80% of your previous earnings when both benefits are combined.
How to Apply for Disability Benefits After a Workers’ Compensation Settlement?
In Washington State, if you’re considering pursuing disability benefits after a workers’ compensation settlement, it’s essential to follow a meticulous approach. Begin by collating all your medical documentation.
This is crucial as the Social Security Administration (SSA) examines these records to evaluate your eligibility for SSDI. Your next step should be reaching out to the SSA, who can offer clarity on SSDI benefits specific to Washington and assist you with the application nuances.
Additionally, you should consult with a Columbia workers’ compensation lawyer. An attorney can adeptly navigate both your workers’ compensation settlement and your disability application, thereby optimizing your chances for a successful claim.
Why is Professional Legal Guidance Crucial?
While the intersection of workers’ compensation and disability benefits might seem intricate, remember, it’s feasible to be entitled to both, given the right circumstances. Every worker deserves a safety net, ensuring that injuries or ailments don’t compromise their financial security.
If you or a loved one is grappling with these concerns, don’t navigate this journey alone. Connect with a workplace accident attorney from Robinson & Geraldo, PC.
Call us today.