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Social Security Disability Benefits

Social security disability benefits or SSDIB are financial benefits offered as compensation for workers who have been injured at the workplace. An injured worker can obtain both workers’ compensation benefits and SSDIB at the same time because he has the legal right to both. Workers should know that SSDIB is a federal benefit, while workers’ compensation is a state program that financially supports people who have been seriously injured at their work place.

Still, there are some limits to the amount of money one may receive. Until the worker recovers, social security disability benefits are calculated as a percentage of the worker’s Average Current Earning or ACE. This sum is imposed by the Federal Social Security program. On the other hand, the state workers compensation covers three major expenses: medical expenses, disability pay and vocational rehabilitation. Medical expenses include hospital costs, medical treatments, doctor fees and many more medical necessities. In some states, the worker can choose a medical provider of his choice, while in other states the company who employed the worker will choose the medical provider because the company has special contracts with different providers. The disability pay refers to the sum of money workers will receive while staying at home or in a hospital, recovering. This sum can be offered temporarily, until the individual is healthy and ready to get back to work, or is permanent if the injury is so serious that the workers will never be able to fully recover and get back to normal. This situation usually includes aggravated cases like losing a leg, an arm, both legs and both arms. The vocational rehabilitation program applies if the injury will affect the worker in such a way that he will not be able to perform his usual job. In this case he will need to be re-trained in order to reconvert professionally and find another job.