Figuring out if you can get Social Security Disability Insurance after an accident that causes your disability is a complex process. The Social Security Administration has specific criteria, and it can become more complicated when you receive compensation for damages.
To qualify for SSDI, you need to meet certain criteria set by the SSA. One crucial requirement is having a disability that significantly limits your ability to work. This disability should last at least a year or result in death.
Compensation
The Social Security Administration calculates monthly SSDI payments based on an individual’s average lifetime earnings. These payments aim to provide financial support for those with disabilities hindering substantial gainful activity.
As of November 30, 2023, there were almost 7.4 million SSDI recipients. The average monthly benefit was $1,489.26.
SSDI eligibility
Getting compensation for an accident does not automatically disqualify you from SSDI. However, the type of compensation and the extent of your disability are vital considerations. SSDI looks at how severe your impairment is and whether it matches the SSA’s definition of a disability.
Offset provisions
When deciding monthly SSDI benefits, the SSA may consider compensation received for an accident. They have offset provisions to prevent receiving double financial assistance for the same disability-related expenses.
Timing matters
You should apply soon after your disability begins, as delays can impact the approval process. If you have received compensation for damages, it is important to assess how your disability affects you and apply for SSDI within a reasonable timeframe.
Consulting medical evidence
A robust SSDI application requires solid medical evidence. Documents showing the severity of your disability, the treatments you’ve undergone and how they impact your daily life strengthen your case. While compensation is part of the picture, the main focus is on proving how your disability significantly hinders your ability to work.
Qualifying for SSDI after an accident and compensation involves a delicate balance. Navigating this complex process ensures that people with genuine disabilities get the necessary support without unnecessary complications.
