Certain Disability Payments and Workers’ Compensation May Affect Your Social Security Benefits

" "Many people working nowadays have more than one job. This means they have several sources of income. It’s important to keep in mind that having multiple sources of income can sometimes affect your Social Security benefits; but, it depends on the source.

Disability payments from private sources, such as private pensions or insurance benefits, don’t affect your Social Security disability benefits. Workers’ compensation and other public disability benefits, however, may reduce what you receive from Social Security. Workers’ compensation benefits are paid to a worker because of a job-related injury or illness. These benefits may be paid by federal or state workers’ compensation agencies, employers, or by insurance companies on behalf of employers.

Public disability payments that may affect your Social Security benefits are those paid from a federal, state, or local government for disabling medical conditions that are not job-related. Examples of these are civil service disability benefits, state temporary disability benefits, and state or local government retirement benefits that are based on disability.

Some public benefits don’t affect your Social Security disability benefits. If you receive Social Security disability benefits, and one of the following types of public benefits, your Social Security benefits will not be reduced:

  • Veterans Administration benefits;
  • State and local government benefits, if Social Security taxes were deducted from your earnings; or
  • Supplemental Security Income (SSI).

You can read How Workers’ Compensation and Other Disability Payments May Affect Your Benefits to find out about the possible ways your benefits might be reduced.

Please be sure to report changes. If there is a change in the amount of your other disability payment, or if those benefits stop, please notify us right away. Tell us if the amount of your workers’ compensation or public disability payment increases or decreases. Any change in the amount or frequency of these benefits is likely to affect the amount of your Social Security benefits.

An unexpected change in benefits can have unintended consequences. You can be better prepared if you’re informed and have financially prepared yourself. Visit our benefits planner for information about your options for securing your future.

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81 thoughts on “Certain Disability Payments and Workers’ Compensation May Affect Your Social Security Benefits

    • Depending on her age and work history, she should apply for SSDI/Social Security Disability Ins benefits. Weather or not she is eligible for home assistance depends on her Dr’s recommendation as well as what benefits she may be eligible for.

    • Hi, George. Your wife may be eligible to receive social services from the state in which you live. These services include Medicaid, free meals, housekeeping help, transportation or help with other problems. To find out whether she may qualify and if she needs to file a separate application call the Centers for Medicare & Medicaid Services at 1-800-633-4227 (TTY, 1-877-486-2048). She can also get information about services in her area from her state or local social services or welfare office. We hope this helps.

  1. I have had 8 major operations and now need two knee operations so that I can go back to work & pay my bills. I haven’t been able to work for the last 6 years, my medical bills and medicines for me (75) and my wife Terry (73) are over wellming.

    • For both of you…ages 75 and 73 you are Medicare eligible, as well as Part D drug coverage. You should contact a SHIIP representative to help you with your available benefits. You may be eligible for Medicare/Medicaid/SSI benefits. Check your local directory for locations.

  2. You send me these emails yet I can’t open an account something is very wrong at the social security administration and if you can’t fix my small problem you will never fix any of the problems in your department and thier are many.

    • Hi, David. For your security, we do not have access to private information in this venue. We ask that members in our Blog community work with our offices with specific questions. You can call us at 1-800-772-1213, Monday through Friday, between 7:00 a.m. and 7:00 p.m., for assistance. Generally, you will have a shorter wait if you call later in the day. You can also contact your local Social Security office. We hope this helps.

  3. Why do some people NOT have to pay income taxes and some do. I know people that make more than my husband and I but say they dont have to pay because they are retired. So are we.

  4. If I continue to work after 65 and having stared to receive Social Security benefits, does it affect my benefits? I have continued t work since 65, when I filed for Social Security. I have now worked for 15 more years and paid the maximum each year. Would that increase my benefits?

    • Hi, Charles. Each year we review the records for all working Social Security recipients to see if additional earnings may increase monthly benefits. If your earnings for the prior year are higher than one of the years we used to figure your retirement benefit, we will recalculate your benefit amount. Generally, we will send a letter explaining any increase in your benefit amount. For more information about working while receiving benefits, visit here. If you have additional questions, please call our toll-free number at 1-800-772-1213, Monday through Friday, from 7:00 a.m. to 7:00 p.m. or contact your local office directly for further assistance.

  5. I suffered a stroke while I was on the faculty at the University of Iowa. Do I qualifed for workman’s compensation since I am unable to work.

    • Mr. Cole,
      If Mrs. Cole’s disability began July 2018 her first check would have been December 2018. This would allow her Medicare coverage to begin December 2020 for both Part A (hospital) and Part B (supplementary medical). When you retire at age 62 Medicare coverage based on age would begin in the month you turn 65. You both receive your own benefit independent of the other.

    • Professor Lomax,
      Workers’ compensation is payable if you were actually injured at school. The University is required to pay insurance premiums as your employer. Check with your local social security office when you file for Title II disability benefits.

    • Dr. Lomax,
      If you were injured while teaching at school, you would qualify for workers’ compensation. The University pays workers’ comp premiums on behalf of all their employees. When you file for disability benefits we will calculate your benefits and then offset for workers’ compensation so the sum does not exceed 80% of your average monthly wage. Check with the social security office when you file.

  6. Honesty, I dont know why worker’s compensation would affect your disability when Social Security Administration does not recognize the injury that your rated on through Workers Compensation. Every knows that if you apply for disability having a major work related injury your told that you must apply for SSA and then go to there designated physicians to determine your disability. Its a broken system that needs a revamp for an injured worker.

  7. My ex husband was on disability when he was killed in car accident. How would i find out if i qualify for his social security benefits? I have been disabled for years. I could use the help.

    • Mrs. Wilson,
      If you’re 50 or older when Mr. Wilson died, you would be eligible for disabled widow’s benefits (as a surviving divorced wife). You needed to have been married for at least 10 years. If you have earnings of your own and are currently receiving Title II Disability Insurance Benefits, we would compare your benefit with your former husband’s Title II benefit. If yours is equal to or larger, no additional benefits are payable. If yours is smaller, you would continue to receive yours plus 71.5% of the difference between the two. Hope that helps.

    • Hi, Diana. If your marriage lasted for at least 10 years, you may be eligible for surviving divorced spouse benefits based on your ex-husband’s earnings, beginning at age 60. If you are disabled, you could begin receiving benefits as early as age 50 if the disability started before or within 7 years of your ex-husband’s death. For additional information on Survivor benefits, check out our Survivors Planner. For specific questions, you can call us at 1-800-772-1213, Monday through Friday, between 7:00 a.m. and 7:00 p.m., for assistance. Generally, you will have a shorter wait if you call later in the day. You can also contact your local Social Security office. We hope this helps.

  8. After 3 years I finally won my Disability case and you bet they are keeping a big chunk out of my back pay they legally owe me.It had nothing to do with SS cause it was a privately owned company where I worked.Basically I’m giving my back pay to SS..

  9. I Mark O’Connell 1955 Childhood born with both ears hearing loss with speach problems with cause impeachment along hearing impairment, in Year the (September /11 /2001 attack )global wide drop jobs in Hawaii as well was working full time with paying bills and medical , reached for social security Administration got involved SSI benefit since year 2003 & continuously 2020 retirement 7/6/2020???? How will it fact my retirement??

    • Hi, Mark. For your security, we do not have access to private information in this venue. We ask that members in our Blog community work with our offices with specific questions. You can call us at 1-800-772-1213, Monday through Friday, between 7:00 a.m. and 7:00 p.m., for assistance. Generally, you will have a shorter wait if you call later in the day. You can also contact your local Social Security office. We hope this helps.

  10. I receive both veterans disability and social security disability. Every time I get a cost of living increase in my veterans pay, social security decreases the amount of my ssi. I just dont understand why they will not allow me the cost of living increase.

  11. Need help was on workmans comp it stopped 3yrs. Ago. N I’m on disabilty I had to wait 5 yrs. For my case ended. Told sad. N sent papers n still haven’t received back money they owe me. Just wondering if you know what else I can do. Thank you for listening

    • Hi, Sandra. For your security, we do not have access to private information in this venue. We ask that members in our Blog community work with our offices with specific questions. You can call us at 1-800-772-1213, Monday through Friday, between 7:00 a.m. and 7:00 p.m., for assistance. Generally, you will have a shorter wait if you call later in the day. You can also contact your local Social Security office. We hope this helps.

  12. There were times when I had to go on disability for surgery because I was hit by a car when I was 14 . There were jobs I couldn’t do because I couldn’t stand for long periods of time. I now collect ssd
    I’m 50 years old
    I get 707 a month after they take out for Medicare . I can’t afford to live . Is there anything you can do to help me ?

    • Hi Brenda you may need to go to your State Assistance Program called QMB (qualified medical benefits) where the state will pay for your medicare benefits and stop taking it out of your check ..if you qualify and it certainly seems that you do by your income…also that may assist you with Medicaid and other services you may qualify for to help you to keep your money in your pocket

  13. Yeah, I worked multiple jobs in high school and after, but, have an autistic child who was also abused and shaken by his father on a court ordered visit that needs round the clock care and a higher functioning autistic child, I was given the choice, work and sign my son over to the state or stay home and figure out how to support them because, although I’m not working, I “make too much money for state aid.” I did everything I was supposed to do and yesterday, although I pay my own bills and buy my own uninsured items, I got married 3 years ago, notified them they day after, and they said that with my being a kidney patient, my whopping 733.00 a month was safe. Well, yesterday, I got the call, they’re pulling my benefits, want me to pay back 17,000 dollars of their mistake. Yeah, not happening. I’m still a kidney patient only now I’m recovering from sepsis, a PE, bilateral pneumonia, and I’m undergoing tests with an oncologist because my hair is falling out by the handful. So, I no longer qualify for 733.00 a month and insurance. I’ve had to cancel surgery. But, all those times I’ve sat in that social security office and watched people come in with 300.00 sneakers, gold chains hanging around their necks, brand new SUV’s, gold teeth, all name brand clothing but they don’t speak English and they’ve never worked a day in my country and yet, they’re getting huge monthly checks, EBT cards, and they have 5 family members with them who are also collecting their checks as the sit in the waiting room with their 2 iPhones, comparing their hair, nails, clothes, and their latest vacations. I can’t afford a vacation. How is this ok? Why is this ok? Our elderly can’t afford food AND heat so they have to choose. We don’t get subsidized housing. We have a 1500.00 rent, we pay 1500.00, not 25.00. We pay for their electric, groceries, yet we have to try to keep our electric bill low and make our food last. Our refrigerators are empty. Our elderly are cold and hungry and can’t afford medicine. But, these people have enough money to eat, travel, and pay their 25.00 rent, and they get “fuel assistance,” so they don’t know anything else except to hang out on the streets all night, life is one big party. My husband just had to take 2 months of unpaid family medical leave. No EBT card here. No subsidized housing. Nothing to fall back on. “We don’t qualify.” If my husband, an amputee who lost his leg on the job 25 years ago, can work, why can’t they? I should have just lied about everything. It works for them, why not me? Our country is broken. We cater to immigrants who just want benefits and don’t care to learn our language, instead, we give the driving tests in like 30 languages, we get interpreters for them. It’s disgusting. Hey, come to America, you get everything free, you deserve it. I’m ashamed to be an American, because we don’t care about our people. This country has gone to hell and the government is driving. Disgusting, isn’t it?

    • Oh DITTO have a white trashy sis in law well boyfriends sister who never worked a day in her life! Steals from ssi her boyfriend and sells her and his narcotic pain medication and took her now deceased mother to 7 different doctors to get narcotics and the mother allowed her to do it. She’s also lost a 40 year old son to heroine she’s been taking care of his habits for years and years like driving him to get it. She is a thief and she does everything she can to gamble or get Botox or maybe she’s also doing drugs. I know she’s a big sneak with calling her boyfriends bank and then orders atm cards and takes his pay check in and out then borrowing money for the boyfriend to eat and pay bridge fees and so on at least 2 times a month She and the mother and sisters of witch now only 1 left never worked!!! So people like you and I have notta because we are paying bills and food and medical prescriptions and so she is not really dying and was diagnosed with asthma Right don’t bother her at casino or talking to her brother for money and is not paying money back ever. I loaned her hundreds of dollars and I eventually found out that she’s gotten hold of my information and opened aMC credit card and spent over a grand a retired bank of 25 years and so many 2nd & 3rd jobs raised 3 wonderfully responsible adult children and have grown brothers and not 1 has ever asked me or my deceased parents for a penny and well if I did not report the MC as identifiy theft mom and her daughter would have gone to jail !!! I don’t have a mean bone in my body so I paid what I could and they wrecked my credit and then any bank account I cannot get due to check systems as well I was punched in the face a while back by her and she knocked my good dentures out and they broke up in pieces I now have serious issues due to not being able to replace them and can not chew! So I got you 😉 I should turn the theif in but where will I live till I have enough money to get out of the house I live in now with the boyfriend/ brother??? Working on it but now I am sick can’t tell him anything he gets pissed every time I am admitted to the hospital I have to ask for a ride he says crap like can’t it wait till the morning I don’t want any fn ambulance service or cops here! So when I show him bones sticking out of my wrist or bloody stool from the ischemic colitis he is agitated 😡 I am really sick and tired my fault for not being a bitch like them. So I Hope this kind of information is seen by ssi and Wells Fargo the sister boyfriend lol and police officers! TY

  14. There are only 15 States with reverse offset for workers compensation. Most is not all no longer insure worker compensation benefits and private insurance carriers are responsible for the insurance and payments.

    Why does the SSA allow private workers compensation insurance carriers to reverse offset? The 15 States eliminated their liability altogether leaving the federal government taxpayers to shoulder their burden.

    These private workers compensation insurance carriers are profiting while the Social Security Disability Insurancs is going broke and has to raise FICA taxes.

    • Many states workers’ compensation definition of disability is different from the SSA. In order to collect workers compensation, they cannot perform sedentary work.

      SSA definition of disability allows medical/vocational rules for older individuals who can perform sedentary and light work.

      The states definition of disability is more strict and should not offset the SSA less strict standards. They are not considered disabled under workers compensation. The SSA should be able to offset since the States’ reverse offset doesn’t apply.

    • Florida’s reverse offset ended for accidents occuring after July 1, 1984. Why does the SSA still allow private workers compensation insurance carriers to reverse offset Social Security benefits?

      The department shall have first priority in taking any available social security offsets on dates of accidents occurring before July 1, 1984. See Florida Statutes 440.15(9)(b)

  15. I need a tempary password, letters to SS not answered, phone calls are not productive either. I have a situation where I dont have an address that SS will send a temp password. I had a military address at one time, however problems getting mail resulted in using a mail forwarding service. That also is not allowed by SS, so tell me how do I get a temp password, seems to me comon sense has played out someplace within SS. I live overseas but not full time. However no hard US mail address, Oh! well I am sure you will give me the same story about security of my account, lol. Security is great let me tell you, havent been able to access my account since Sept 2017. I dont expect a reply if its more of the same.

  16. There are only 15 States with reverse offset for workers compensation. Most is not all no longer insure worker compensation benefits and private insurance carriers are responsible for the insurance and payments.

    Why does the SSA allow private workers compensation insurance carriers to reverse offset? The 15 States eliminated their liability altogether leaving the federal government taxpayers to shoulder their burden.

    These private workers compensation insurance carriers are profiting while the Social Security Disability Insurancs is going broke and has to raise FICA taxes.

  17. Then why is the amount of offset added to what is paid in SS and then taxed? I’m told workers comp payments are not to be taxed.

  18. It is true in Nevada that you cannot double dip on disability benefits when you have a workers’ compensation claim. Meaning if you have applied for Social Security Disability but are also collecting permanent total or temporary total disability from workers’ compensation, Social Security can deduct that amount from the benefits you receive from them. Visit my website https://jhwlawoffice.com for more information on laws pertaining to Nevada Workers’ Compensation.

  19. I have been on disability for the past several years and now I’m 62 years old and eligible for social security although I want to wait till I can draw full amount. I’m also a widow and am able to draw on that account as well. I need to know what is best for me. I’m single, hardly making it and could use the right advice and helpful hand.

  20. If I receive a state retirement (public school bus driver) of $400, Will my social security benefits be reduced? By what %?
    I live in Louisiana.

  21. I Brenda Jones, do not know if I qualify or not. I receive Railroad Disability since 1998. But I have paid into Social
    Security for 15 years. So I am it sure that I now qualify. I applied in the year 1994 and was denied. Now that I am 67 yrs of age. DO IN QUALIFY WITHOUT MESSING WITH MY RAILROAD BENEFITS?

  22. This is just another kick in the face for people who are disabled and need to work to survive. The government wants us to be so far down in poverty it is not even funny. They don’t care that you can’t buy food for yourself after paying rent that is higher then it should be. There are people who are on disability that shouldn’t be on it at all. You need to go after all of those people and make them get out and work. I personally don’t believe that alcoholics or drug addicts should be able to get disability at all. They are able bodies who can work with proper help from counselors and other support groups. People who are here illegally have no right to collect social security or any other government help. They never worked a day in their life here, so why do they get all they government benefits that no other person can get that I as a legal citizen. It is wrong and needs to stop. We need to care for people who have worked their whole life paying into social security. I am disabled and if I don’t supplement my disability I can’t as afford to pay rent, food, medicine, doctor Bill’s, and the list goes on. I should not get penalized for trying to keep my head above water and no one else should as long as they are truly disabled and not faking it like so many people do. I should not have to live in a place that us not fit for rats just because I am disabled and that is all I can afford. No legal citizen should have to live like that. You have taken our dignity away and now you want to take more away. You may as well just kill us all off because you don’t care at all how we live and what our life us like being in such poverty. You want to keep us there because then you have all the control and can continue to slowly kill us all.

  23. Can my representive payee for my SSI received any additional benefits or money for the Care Taker of my funds ??? I’ve heard serveral yes and several no I was just seeing if she can receive funds for taking care of my funds and making sure I have everything and that I make it to app that I have to attend??

    • See what you got? I worked hard for people like you and if you are really sick sorry but I have seen people who never worked and have a lot of kids and they are all diagnosed with an issue more money and food stamps and beautiful cars jewelry and all kinds of stuff I and many wonderful people are not entitled to Enough is Enough and Trump kiss my a oh that’s right you probably would! You have been so sick in the head and so anxious to get people collecting welfare I can not get a trained nor responsible,intelligent person on the phone! And I Hope all this virus 🦠 has worked well for you and your family because I am the mother of health care workers and military service who are essential for working! Only to bring it home to my adorable grandchildren I have3 adult children and all are married with children and in health care jobs lord bless use and kindness kindness kindness and love ❤️ goes a great long way after all I was not raised to be anything but I did not raise my children like that I will never ever act like the person who is well sick I pray for them and then I ask my lord to help me always be so thankful for blessing me with my family and in that I may not seek to be consoled that I understand more than be understood and to love more than I ask for love ❤️

  24. Veteran still working collecting Social Security Benefits which got hurt on the job is now has a workman’s Comp. case will this an individual? And if he or she receives a Schedule Award will this hurt Social Security Benefits?

  25. My wife is 54 and considered disabled since July 2018. I am 60 and still working but would like to retire at 62 to care for her. (Alzhiemers). Can I get Medicare at 62 and how would my SS benefits (payments) affect her disability payments. I’ll be taking a large cut at 62 but we can manage with her benefits and mine together. Thanks for your help

    • Mr. Cole,
      If Mrs. Cole’s disability began July 2018 her first check would have been December 2018. This would allow her Medicare coverage to begin December 2020 for both Part A (hospital) and Part B (supplementary medical). When you retire at age 62 Medicare coverage based on age would begin in the month you turn 65. You both receive your own benefit independent of the other.

  26. I’m suppose to start getting my father’s veteran survivors benefits but that’s all I know. How do I go about finding out any more information on this?

  27. Yes, please: I contacted Social Security Benefits as per SSA in there letters, to apply for Medical Benefits and any other that I could qualify. I explained and showed SSD permanent qualification letter. Social Worker from Social Security Benefits from Santa Maria not just told me via telephone that I didn’t qualify but if I wanted Medical I had to paid $3,250.00 per month, this only to be paid on my choice when receiving medical attention. SSB, is adding as house income my VA pension and SSD Pension (this last one I don’t receive it yet). According to SSA Web page those two pensions shouldn’t affect my Social Security Benefits. Social Worker, Carranza on top of it told/sent me to get a job with neighbors: “doing their yards, walking their dogs, etc. etc…. So it will help my financial situation. Help.

    • Hi, Martin. We are sorry to hear about your experience and situation. You may be eligible to receive social services from the state in which you live. These services include Medicaid, free meals, housekeeping help, transportation or help with other problems. To find out whether you may qualify and if you need to file a separate application call the Centers for Medicare & Medicaid Services at 1-800-633-4227 (TTY, 1-877-486-2048). You also can get information about services in your area from your state or local social services or welfare office. We hope this helps!

    • Hi, Daniel. The amount of your wife’s potential widows benefit is based on several factors, including: your earnings, when you started receiving benefits, her age, and the amount of her own benefit. We compare her own benefit with her potential survivor benefit. If her survivor benefit would be higher than her own current benefit, she would be eligible for survivor benefits. To learn how much she could be eligible for, she can call our toll-free number at 1-800-772-1213 (TTY 1-800-325-0778). Generally, she will have a shorter wait time if she calls later in the day. You can also learn more information about Survivors benefits here. We hope this helps!

  28. How do I lose my disability benefits? I have my benefits since I was child, I am permanent resident, I got married last Year. I known that my affect my disability benefits any other reason may I lose my disability benefits? my mom died 10 years a go we owe the department of the health and walfare 42,356.26 according to the Estate Recovery Unit but because I am disabled the department will defer recovery claim for as long I need the property but I have some issues with family member and I would like to walk away form the property but some told me I would lose my disability benefits if I walk away.

    • Hi, Esmeralda. Unfortunately, your question is a bit more complex than we can answer in this forum. For your security, we do not have access to private information in this venue. We ask that members in our Blog community work with our offices with specific questions. You can call us at 1-800-772-1213, Monday through Friday, between 7:00 a.m. and 7:00 p.m., for assistance. Generally, you will have a shorter wait if you call later in the day. You can also contact your local Social Security office. We hope this helps.

  29. I thought that when you receive SSDI, you were not allowed to work at any job? But this states: “A disabled (nonblind) person applying for or receiving SSDI cannot earn more than $1,260 per month by working.” Thank you.

    • Hi, Sarah. If you are referring to Social Security disability benefits, special rules allow you to work temporarily without losing your monthly Social Security disability benefits. After your nine-month trial work period, we still provide a safety net that allows you to work another three years risk free. During those three years, you can work and still receive benefits for any month in which your earnings do not exceed a certain limit. For 2020 those limits are: $2,110 for blind individuals; or $1,260 a month if you are not blind. For more information on working while receiving Social Security disability benefits, click here. We hope this helps.

  30. If I’m approved for SSDI, is my spouse entitled to part of my back pay? He has a very high income if that makes a difference. And we should be divorced by July 2020. Thank you

  31. I have a question, I’m on SSI disability with back an neck injury.
    I’m capable to do remote work from my home. Can I work an not loose my SSI? Or how much can I earn? I’m 62 will be 63 in November.

  32. How will this new stimulus package affect the amount that I’m able to get monthly without being penalized or lose my SSDI benefit?

  33. i was wondering if i could collect unemployment during this PANDEMIC and still receive SSDI in Washington state i believe i’ll be over the limit by $10.00 mow will that effect by SSDI really need to know 1 step away from homeless

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