Tehama Workers’ Comp & SSDI: The Money You Need While You Can’t Work
As if sustaining a labor-disabling injury at the workplace wasn’t painful and terrifying enough, the long-term financial prospects for a worker who can no longer work could jeopardize their ability to keep food on the table and a roof over their heads.
It’s because of this that the Tehama workers’ compensation attorneys at Ledgerwood Law recommend workers in this situation apply for Social Security disability – not in two months, not in two years, but now, in the interests of getting much-needed benefits approved as soon as possible.
We tell our clients up front that anyone facing a long-term disability should apply for Social Security disability as they are building their workers’ compensation claim. Why? Let’s take a look at three very good reasons.
- The Social Security disability claim process is a lengthy and involved process. As anyone who has applied for Social Security disability could tell you, the claims process is a long and uphill battle. It can take nearly a year to get an initial determination, and two years or more if you need to appeal a denial.
- The sooner you file with Social Security, the larger your potential cash benefit. When you’re approved for SSD, you’ll receive benefits retroactively starting on the first of the month after you filed. Even though your benefits may need to be adjusted for workers’ compensation, that lump sum can be tremendously helpful in making ends meet.
- Social Security disability provides a significantly larger benefit than workers’ compensation insurance. Long-term disability means planning for the future. SSDI provides monthly compensation up until retirement, and two years in the system will qualify you for Medicaid coverage. Many workers’ compensation settlements pale in comparison.
- You can save money by using the information you gather from your workers’ compensation claim to apply for SSD. Applicants can spend thousands of dollars gathering sufficient medical information for an SSD claim. If you apply for SSD at the same time as workers’ comp, you can use the state-level medical exams paid for by the workers’ compensation system for your claim.
- You can easily opt-out of Social Security disability if you find you don’t need it. If you are able to return to work sooner than you anticipated or your workers’ compensation is enough to handle your expenses, it’s extremely easy to dismiss an SSD claim.
A Tehama workers’ compensation attorney can help you navigate the often-confusing process of applying for Social Security disability at the same time as workers’ compensation. Call our offices today at 888-761-7383. Be sure to request our free book, The California Workers’ Compensation Survival Manual.