Quick Guide to the Differences Between Workers Compensation and SSDI

Workers’ Compensation vs. SSDI

Workers’ Compensation and SSDI: What’s the Difference?

Workers’ compensation and Social Security Disability Insurance (SSDI) are two avenues through which people with disabilities can seek compensation. But how do you decide which program best suits you?

Older Worker in Factory

Workers’ CompensationSocial Security Disability Insurance

Circumstances of DisabilityDisabled on the job or injured due to employmentDisabled at any time due to any circumstanceEligibilityEligible from first day of employmentMust have substantial work historyCoverageShort-term and long-term disabilityLong-term disabilities that keep a person from working in any type of employmentEmployment StatusCan still be working in some smaller capacity or for a reduced wageCannot be currently employed in any capacityAvailabilityMedical benefits available immediately; cash benefits begin after a few days’ absence from workBenefits begin only after a five-month waiting period; Medicare coverage begins only after a further two-year waiting period

Consider the circumstances of your disability and employment to determine whether workers’ compensation or SSDI is the right program for you.

Call Our Work Injury Lawyers Today

If you’ve been hurt on the job, you should notify your employer right away. You can file a workers’ compensation claim at your job or with the Workers’ Compensation Board by calling 317-232-3809 or by visiting their office at 402 West Washington Street, Room W196, Indianapolis, IN 46204. If your disability appears to qualify you for SSDI, contact your local Social Security office to fill out your application online, over the phone, or in person at their office.

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