a woman in a wheel chair and a man talking to their lawyer

Some people in South Carolina who qualify for workers’ compensation after an on-the-job injury are also eligible for Social Security Disability (SSD) benefits. But you might not be able to receive the full allotment of SSD benefits and workers’ compensation at the same time.

Combining workers’ compensation or another public disability benefit with SSD can be tricky, which is why it’s important to seek the advice of an attorney who has significant experience with both the workers’ compensation and the SSD systems.

Receiving workers’ compensation may reduce the amount of your other benefits. The total amount of your SSD and workers’ compensation benefits cannot exceed 80 percent of your average earnings before you became disabled. This includes any benefits received by other family members based on your earnings record. Their SSD benefits will be added together in calculating that 80 percent.

For example, a Social Security Administration pamphlet explains that if your average earnings before you became disabled were $4,000 per month, you, your spouse and two children would be eligible for a total of $2,200 per month in SSD benefits. If you also receive a workers’ compensation award of $2,000 per month, the total benefit amount of $4,200 would be more than 80 percent of your average income, which is $3,200. Therefore, your benefits would be reduced by $1,000 per month.

The process of Social Security reducing disability benefits to account for workers’ compensation is called a “workers’ compensation offset.” It’s not something most workers would know about, and not knowing about this offset could cost you money you need as you get your life back together.

An experienced attorney can explain to you the complicated laws and how the Social Security Administration calculates the offset. The offset is calculated based on all the benefits you receive, including:

  • Workers’ compensation.
  • SSD, including family benefits based on your earnings record.
  • Other public disability benefits paid under any federal, state or local public law or plan.

A lawyer can work with you to resolve your case in a way that leaves you with the most money possible. It’s especially important to work with an attorney if you receive a lump-sum payment on a workers’ compensation claim. An attorney can help set up the settlement in a way that won’t jeopardize your eligibility for full SSD benefits.

Source:

About the Author

Ken Harrell joined Joye Law Firm in 1994, and has been the managing partner since 2006. With 30 years of experience, he protects the rights of injured South Carolinians, including cases involving workers’ compensation, car accidents, and defective products. Ken also leads the firm’s referral practice, helping to ensure that our clients receive the best possible representation. He is a past president of South Carolina Injured Workers’ Advocates, and has served as the co-chairman of this organization’s legislative affairs committee for 12 years.

Recent Blog Post
One man being stopped from grabbing keys after drinking
South Carolina’s Tort Reform Debate: Who Really Benefits From S.244?

The South Carolina legislature is once again embroiled in a heated debate over tort reform, particularly with the introduction of Bill S.244. Proponents claim this bill will create a more favorable business climate by limiting liability, but the reality is…

Emergency Department Sign
Does Workers’ Compensation Cover Emergency Room Visits?

If you were hurt at work and ended up in the emergency room, you’re likely wondering if workers’ compensation will pay for that visit. The good news is, in South Carolina, workers’ compensation generally does cover emergency room visits for…

work comp denials
What Is the Exclusive Remedy Doctrine?

If you’re in the process of filing a workers’ compensation claim, you may have come across the term “exclusive remedy doctrine” and wondered, “What is the exclusive remedy doctrine, and how does it affect my case?” This principle is central…

Attorney taking notes
What Happens When You Reject an Insurance Settlement Offer?

Getting hurt because of someone else’s negligence can throw your life off track. Beyond the physical pain, you’re often left with mounting medical bills, lost wages, and uncertainty about what the future holds. When dealing with an insurance claim, it’s…

Awards & Recognition
Media
ABC
NBC
Fox
CBS News
ESPN Radio logo