No, this is a common misunderstanding. Workers’ compensation payments may affect the amount of your SSD benefit, but you can receive and should apply for Social Security Disability payments as soon as you meet the qualification standards.
Workers’ compensation payments and/or other disability benefits may be counted against your SSD benefit. This is known as the “workers’ compensation offset.”An offset is applied if your total disability benefit adds up to more than 80 percent of the average weekly wage you earned before you became disabled.
Most federal, state and local disability payments are included in offset calculations. Veterans Administration benefits, Railroad Unemployment Insurance Act (RUIA), illness benefits, Black Lung Part B benefits, and several other types of disability payments are exempted.
The offset will be applied until you turn either age 62 or 65, depending on when you first qualified for SSD benefits.
An SSD benefits attorney from the Becker Law Office can advise you about how other disability payments you receive or may receive might affect your SSD benefit.