Are you unable to work due to an injury or illness? If so, you may be eligible to receive disability benefits, workers’ compensation benefits, or both. Disability insurance supports you if you are sick or injured and cannot work. The Social Security Disability Insurance (SSDI) program is a federal program administered by the Social Security Administration (SSA). Workers’ compensation benefits are provided to employees when their illness or injury arises out of work or is caused by their work.
Some workers are eligible to receive both SSDI benefits and workers’ compensation benefits if they have a work-related injury or illness. However, they cannot receive the full amount of Social Security disability benefits and the full amount of workers’ compensation benefits at the same time.
Disability payments from private sources do not affect your Social Security disability benefits, but workers’ compensation benefits reduce them. If you receive workers’ compensation benefits and Social Security disability benefits, the total amount of the benefits cannot exceed 80% of your current earnings before becoming disabled. If the total amount of your benefits exceeds this amount, the excess amount will be deducted from your Social Security disability benefits.
Eligibility Requirements for Workers’ Compensation
If you’ve had an on-the-job injury or are suffering from an occupational disease, you may be eligible for workers’ compensation benefits. Workers’ compensation benefits in Ohio include compensation for lost wages, medical treatment, and permanent impairments. In Ohio, all employers with one or more employees are required to carry workers’ compensation insurance. If you are self-employed, you must apply for coverage yourself.
If you are injured on the job, you can report the injury directly to the Bureau of Workers’ Compensation (BWC) by submitting the First Report of Injury via mail or online. Let your employer know that you’ve filed a claim after receiving medical treatment. If you are treated for a work-related injury, a claim may be filed on your behalf by the managed care organization (MCO).
Eligibility Requirements for Social Security Disability Insurance
To qualify for SSDI benefits, you must have worked long enough in jobs covered by Social Security. You can earn up to four credits each year. The number of work credits you need to qualify for disability benefits depends on the age when you become disabled. Typically, you need 40 credits, 20 of which were earned in the 10 years prior to your becoming disabled.
To qualify for SSDI benefits, you need to have a medical condition that meets the SSA’s definition of disability. Generally, the SSA provides disability benefits to people who are unable to work for a year or more because of their disability. You are considered disabled by the SSA if you cannot do the work you did before, you cannot adjust to other types of work because of your medical condition, and your impairment is expected to last for at least one year or result in death.
Get Workers’ Compensation and Social Security Disability Benefits in Ohio
If you’re seeking both SSDI benefits and workers’ compensation benefits, you may want to hire a workers’ compensation attorney in Columbus to help you file your claims. For the best results, work with an attorney who handles both Social Security disability and workers’ compensation claims.
The experienced team of disability and workers’ compensation attorneys at Agee Clymer Mitchell & Portman has helped many clients obtain the SSDI and workers’ compensation benefits to which they’re entitled. To get assistance filing your claim, contact us today to schedule a free consultation.