If you’re wondering whether you can receive Social Security Disability Insurance (SSDI) and benefits such as unemployment or workers’ compensation in California without encountering issues, this post will help you address your concerns and answer most of your questions.
SSDI and unemployment insurance in California
You cannot receive SSDI and Unemployment Insurance (UI) simultaneously in California. The California Employment Development Department (EDD) states that UI requires you to be able and available to work, while SSDI is for those unable to work due to a disability lasting at least a year. If you certify for UI, you contradict SSDI eligibility, which hinges on your inability to perform substantial gainful activity, as outlined by the Social Security Administration.
SSDI and workers’ compensation in California
You can receive SSDI and workers’ compensation (WC) together, but the law adjusts the amounts. The SSA applies an offset, reducing your SSDI if the combined total exceeds 80% of your average pre-disability earnings. For example, you might collect the difference if WC pays you less than your SSDI rate. The EDD notes that if WC delays or denies benefits, you could receive State Disability Insurance (SDI) temporarily. Still, you must repay it once WC settles.
To clarify how these benefits interact, consider these scenarios:
- You get WC for a work injury but later qualify for SSDI; the SSA adjusts your SSDI payment.
- You apply for UI but develop a disability; switch to SDI, then pursue SSDI if the condition persists.
After exploring these options, you’ll see that each program serves a distinct purpose. UI supports job seekers, WC covers work-related injuries and SSDI aids with long-term disabilities.
What this means for you
You face strict rules when combining SSDI with other benefits in California. Check with the EDD or the SSA for your specific case. If unsure, consult a lawyer to review your eligibility and avoid repayment issues.
