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Originally Posted by LIT LOVE
Receiving concurrent WC and SSDI benefits is fine. Although, for many people it does not result in a large increase of monthly income. You're allowed to collect benifits from both, up to 80% of your gross income (they'll even go back a few years? Maybe even 5? if you had a decrease in income. I 'd have to look up the rule.) WC income is not taxed and at least in CA, has no COLA. SSDI is taxable, and has a slight COLA (cost of living adjustment) most years of 2-3% to keep up with inflation.
Again, different UE rules state different things and have different requirements. If you are required to actively be looking for work, someone at SS might question your honesty since with SSDI you're claiming to be unable to work.
Rules for WC and SSDI are very different. Is a QME report enough to prove qualification for SSDI? Highly unlikely. And all those reports WC generates by docs that have never met you to turn down meds and procedures? You'll have to provide overwhelming evidence for SS that you are unable to function at any job, making roughly $1000 per month.
I don't believe you can collect UE and WC at the same time.
If you live in CA, HI, NJ, NY or RI, they have short term disability insurance available, or if you have a private LTD insurance policy, than you should apply for that ASAP. Than you can apply for SSDI as well.
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Thank you so much for all those details. You actually touched a little bit on everything. Unfortunately, there was no payments from WC, and QME reports are made only after the doctor's evaluation, and those are in person, at least once a year, for last 3+ years.
SSDI only allowed to apply after 12+ months of disability .So SDI exhausted.
And the concern was regarding the UI benefits, you mentioned about that.
However, the question is still open, how one can survive once Disabled (unable to engage in any gainful activities), SDI already exhausted, and no other source of income, or medical insurance???? How you can get a doctor to write a report, if no insurance available?
Do you know if SSDI has any programs that would allow that transition?