- The SSDI Offset Explained: A Closer Look at the Calculation You know you can receive both workers’ compensation and Social Security Disability benefits, but you’re still confused about how the “workers’ compensation offset” works. This video will provide a more detailed explanation of the calculation and how it can affect your monthly income.
- The 80% Limit: We’ll start by reinforcing the 80% rule: The total amount of your combined monthly workers’ compensation and SSDI benefits cannot exceed 80% of your average earnings before you became disabled.
- The Calculation: We’ll provide a simple, hypothetical example to illustrate the calculation. We’ll show how the Social Security Administration takes your workers’ compensation benefits and subtracts them from the 80% limit. The remaining amount is what you will receive from SSDI.
- Lump Sum Settlements and Offsets: We’ll also explain how a workers’ compensation lump-sum settlement can be handled to minimize the offset. With the help of an attorney, a portion of the lump sum can be allocated over your lifetime, which can significantly reduce the amount of the SSDI offset.
- The Role of a Lawyer: We’ll emphasize that navigating this offset is complex, and a mistake can cost you thousands of dollars in benefits. A Pennsylvania workers’ compensation lawyer can help you with the calculations and structure your settlement to protect your SSDI benefits.
This video is for any injured worker in Pennsylvania who wants a detailed explanation of the workers’ compensation offset and how to minimize its impact on their benefits.