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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57 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.

  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.

  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?

  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.

  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??

  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

  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?

  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??

  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.

  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.

  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.

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