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Social Security Disability Insurance Compared To Workers' Compensation Insurance


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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