You’ve been injured on the job. You are off work collecting temporary total disability benefits. You fully intend on returning to the workforce once your injuries have healed. So, no need to bother with filing for social security disability, right?
Wrong. It is important to know that you are eligible to apply for social security disability while collecting temporary total disability benefits as a result of a work related injury, as long as you have a disability that will last a year or longer. Often, individuals can collect both temporary total disability benefits and social security disability, albeit perhaps at a reduced rate from social security. However, if your social security disability is reduced as a result of collecting temporary total disability benefits under a workers’ compensation claim, once your temporary total disability benefits end, social security will reassess your case to determine if you are eligible for additional money each month.
In some instances, your temporary total disability benefits may completely offset your social security disability benefits, meaning you will not see any money from social security while collecting temporary total disability benefits. However, the benefit to pursuing social security disability benefits even in this scenario is that, again, when your temporary total disability benefits end, social security disability will reassess your case and you will then be eligible to collect compensation.
Furthermore, even if you have every intention of returning to the workforce once your injuries have healed, you can still be eligible to collect social security disability benefits during the time you are off work recovering. Social security does allow for individuals to collect a closed period of benefits, covering the time you are out of the workforce, and then simply ceasing upon your return to work.
In addition to the financial benefit to social security disability, there is the added benefit of Medicare, which can provide medical coverage to you for conditions that are unrelated to your workers’ compensation claim. In many cases, this is equally as important as the compensation aspect of social security disability. Although your workers’ compensation claim may provide coverage for medical treatment related to your work related injuries, your workers’ compensation claim will not provide medical coverage for any conditions unrelated to your workers’ compensation claim.
If you or anyone you know have questions regarding social security disability, contact Gallon, Takacs, Boissoneault & Schaffer Co., L.P.A. We are here to answer your questions and assist you with getting the benefits you rightfully deserve.