Workers’ Comp And SSDI Help Workers Cope With Injuries

You may not know it, but if you are working, you are likely already paying into two types of Disability Insurance that could help you and your family in the event that you suffer an injury and are unable to work. These two programs are workers’ compensation (which state law governs) and Social Security Disability Insurance (“SSDI”) benefits (which come from the federal government).

You and your employer pay the premiums for this disability coverage. For SSDI benefits, payroll taxes come from you and your employer, generally in equal amounts, but recent tax cuts have reduced the amount that employees pay. Workers’ compensation premiums come from your employer who either covers the risk of your injury itself (if it has the money to do so) or pays for insurance coverage from a private company or the state. But, employers usually pass these costs onto employees through lower wages, so workers’ compensation is something that workers pay for themselves at least somewhat.

Both programs require work to cover you, but only workers’ compensation covers you from day one on the job. If you are hurt on the first day of work, workers’ compensation will help offset your loss of income. SSDI benefits, on the other hand, require a longer work history before you can apply for them. The amount of work required varies with your age, but, generally, you need five years of work for a 30-year-old up to 20 years of work as you near retirement age.

The interplay of SSDI benefits and workers’ compensation is important for many disabled workers, as around a fifth of all SSDI beneficiaries also receive workers’ compensation or another source of public disability benefits. On Wednesday and Friday of this week, we will discuss how other disability benefits like workers’ compensation impact the total amount of SSDI benefits you can receive.

Have you received workers’ comp or SSDI benefits? How important were these programs to you and your family while you were unable to work?

Troutman & Troutman, P.C. – Tulsa Social Security Disability lawyers


    I didn't think there was a caring professional considerate attorney firm on the planet, but Troutman & Troutman proved me wrong. From the receptionist to the legal assistance to the attorney and more they were exceptional people.

    - Robert S.

    They did a fantastic job getting everything gathered up and getting the trial done as quickly as possible. Anytime I had a question they were patient and help me understand what was going on. Especially Christy and Charlie were great.

    - Michael M.

    Steve Troutman was able to get my short-term and long-term disability for me. Then Erin another lawyer for their firm got my Social security disability for me. Great people.

    - Billy S.

    Mr. Troutman walked me through the entire process. Heather was available each time I called, answered all my crazy questions, and helped me fill out forms along the way. I was never treated like I was wasting time.

    - Julia C.

    Erin and Keith were fabulous! They were compassionate, helpful, and very responsive! They made the process very smooth and painless every step of the way.

    - Valerie W.

We Are Here to Help 

Free & Confidential Consultations
  • Please enter your first name.
  • Please enter your last name.
  • Please enter your phone number.
    This isn't a valid phone number.
  • Please enter your email address.
    This isn't a valid email address.
  • Please make a selection.
  • Please enter a message.