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Workers compensation benefits vs. SSDI

Many clients are unsure what the difference is between workers’ compensation and Social Security Disability Insurance.

In general, it is important to remember that workers’ compensation is a work-based, private insurance benefit that is available to men and women who are injured at work.

SSDI, however, is a government benefit for disabled individuals, regardless of how they became injured or ill. With workers’ compensation, you can qualify for benefits even if you will be able to eventually return to work or if your injury is temporary. However, with SSDI, the applicant must be permanently disabled, and their disability must be severe enough to meet the requirements set out by the government, requirements that say they must be completely unable to work and unable to return to work.

If you have any additional questions about whether you should file for workers’ compensation or SSDI, or how the two of them affect benefits of each other, you should speak with an attorney who can review your injury and your situation.