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Wednesday, April 16, 2008

Combining Social Security Disability and Worker’s Compensation

The Social Security Administration (SSA) has made it possible for disabled people to continue earning income even though they are no longer working for their current employer. This is possible by offering Social Security Disability Income and Worker’s Compensation.

Under the guidelines of the Social Security Administration, it is possible to combine Social Security benefits with Worker’s Compensation benefits up to 80% of your average current wage. It is the Social Security Administration who will determine how much benefit you will be receiving. Usually the SSA will reduce your SSD benefits so that you would not exceed the 80% ceiling.

If you are suffering from a work-related injury there is a huge possibility that your disability may qualify you for Social Security Disability benefits. Most disability benefits application are denied during your first try but you can boost your chances to recover your benefits if you will hire the services of an SSD attorney.

However, if you feel that you are qualified to apply for both SSD and Worker’s Compensation, then you will really need to hire the services of a lawyer. The terms of your Worker’s Compensation may greatly affect your total benefits.

The 80% combined benefit is not applicable in all US states. In Louisiana, for example, you may request for a reversal of the offset if the Louisiana court finds that your disability will be permanent.

Finally, there are three possible options of receiving the proceeds of your benefit. You may get it in lump-sum, periodic rate, or maximum compensation during the year of your injury.