Social Security Disability Insurance Compared To Workers' Compensation Insurance
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Social Security Disability Insurance (SSDI) provides an income for workers who become unable to work.
Workers' Compensation Insurance pays a benefit for people who have a work related injury which can, but doesn't have to, result in being unable to work.
Social Security Disability Insurance Workers' Compensation
Considers all impairments. |
Only considers impairments which arose related to work |
Requires total inability to work. Does not cover partial inability to work (for example, a surgeon who cannot operate but who can still practice medicine.) |
Covers partial inability to work as well as total Inability. |
Requires lengthy incapacity before any payments. |
Pays for briefer periods of incapacity as well as longer periods. |
5 month waiting period for payments to begin. |
No waiting period. |
SSDI benefit is reduced by amount of Workers' Compensation benefit so total disability income from both sources does not exceed 80% of average current earnings. When Workers' Compensation ends, SSDI becomes full benefit. |
Some states reduce workers compensation payment by amount of SSDI. |
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