Injured at Work? Have you applied for Social Security Disability Benefits?

If you are injured at work in North Carolina, you should give some serious thought to applying for Social Security Disability Benefits, in addition to filing for Workers’ Compensation Benefits.  Here are a couple of reasons why:

  1. Filing for Social Security Disability will not adversely affect your Workers’ Compensation.  In some cases, you may be entitled to receive more benefits from Social Security than you would from workers comp.
  2. If your workers comp benefits are stopped or delayed, then you will have your social security disability checks to fall back on while your workers compensation attorney works to restart your checks (which can take 3-4 months, or longer).

The bottom line is that if you are injured at work, you may need to rely on several different sources of income to sustain you until you are able to work again.  For many people, workers’ comp is the main source of income, but Social Security Disability is another income stream, along with long term disability insurance (which you may have purchased through your employer, or privately).

One of the frequent questions I get from clients is:

Will I qualify for Social Security Disability Benefits?

In order to qualify for Social Security Disability Benefits, you must meet the following criteria:

  • You must be age 18 or older;
  • You must have worked and paid social security taxes long enough to qualify;
  • You must have a medical condition that has prevented you from working or is expected to prevent you from working for at least 12 months or end in death, and;
  • You must reside in the United States or one of its territories/commonwealths.

At first glance, these seem like easy and straightforward criteria.  However, there are a number of tricks and hurdles that can trip you up along the way.  Most denied claims are due to a technicality that could be prevented.  It is not necessary for you to hire an attorney to assist you in applying for benefits, but talking to an attorney before you apply can go a long way towards getting your claim approved.

It can take a long time and several applications before you are approved for Social Security Disability – if you feel that you may be out of work for an extended time, call our office to inquire about applying for benefits today.