Some hurt workers are confused about the various programs set up to help them after a work injury. To clear up the confusion, read on to learn how Social Security Disability Insurance (SSDI) can be paid after a work injury.
What About SSDI?
If you have worked and paid enough into the Social Security system, you may be eligible for SSDI. The Social Security Administration (SSA) oversees this program, and it can be challenging for applicants to be approved. Many must appeal a denial at a hearing before they can earn benefits. However, the money hurt workers can be paid will help fill in the gap left when they are no longer able to work at their jobs.
Medical Help Also
SSDI leads the way to Medicare for those approved. This is an affordable way to continue receiving medical treatment for your work injury long after your work insurance has been canceled and your workers' compensation benefits have run out. Don't neglect to apply for this valuable coverage that is available if you qualify for SSDI.
What About Workers Compensation?
At the time of your injury, you may have taken advantage of your employer's workers' compensation insurance coverage. This coverage pays hurt workers a partial salary and medical expenses. However, many hurt workers are also offered and accept a lump sum or structured payment from the insurer for permanent injuries. This is where the confusion for many workers begins. You can still be paid from a workers' compensation fund and earn SSDI at the same time. Talk to your lawyer about structuring the fund so that you can earn both without losing any money.
What to Do
- As soon as your workers' compensation insurance settlement has been signed and your case is closed, apply for SSDI benefits. The sooner you apply, the sooner you will hear back from them. The wait time for cases to be evaluated can be lengthy.
- Speak to a Social Security lawyer. This type of lawyer can help you with your SSDI application for benefits, which is long and complex. They understand how to create an application that provides the SSA with what they need to know to approve your claim.
- If you have already been turned down for benefits, it's not too late to seek help. Speak to a Social Security attorney so that you can have your benefits approved at the appeal hearing. They can help you rectify the issues with your original application and get your money coming in. Speak to a Social Security lawyer to find out more.