The Coye Law Firm is an experienced disability law firm that wants to help people protect themselves and their families from lost wages and high medical bills in the aftermath of a disability. Call our offices to begin appealing your denied disability claim and to examine the other sources of benefits you may be able to pursue.
Benefits Not ReducedIf you receive any of the following benefits, your Social Security disability benefits will not be reduced or stopped:
Benefits that Can Be ReducedIf you receive workers' compensation benefits to help alleviate your financial strains, your SSD benefits may be lowered. Beneficiaries can anticipate their checks being reduced if all of their benefits added together are higher than 80% of their average current earnings. So if your workers' compensation and Social Security disability benefits equal 92% of your average current earnings, then your Social Security disability payment will be reduced so the check does not exceed 80% of your current earnings.
Example of Workers' Comp Reducing SSDThis example from the Social Security Administration's website shows how your disability benefits may be reduced by workers' compensation:
"Before you became disabled, your average current earnings were $4,000 a month. You, your spouse and your two children would be eligible to receive a total of $2,200 a month in Social Security disability benefits. However, you also receive $2,000 a month from workers' compensation. Because the total amount of benefits you would receive ($4,200) is more than 80 percent of your average current earnings ($3,200), your family's Social Security benefits will be reduced by $1,000."
If your other benefits stop or you reach retirement age, then your Social Security disability earnings go back to their normal rate. This is why you need to report any changes to the SSA. If they don't know that your workers' compensation benefits have stopped, then they can't raise your benefits rate.