Tennesseans may be eligible for multiple types of disability benefits that can have an impact on the total amount of benefits they can receive. In addition to Social Security Disability Insurance benefits, people might be eligible for long-term disability benefits, veterans’ disability benefits, and workers’ compensation. It is possible for people to receive benefits from different programs at the same time, but the total amount of benefits they can receive may be impacted. People who have long-term disability benefits may be required to apply for SSDI as well by their insurance policies.
SSDI benefits may be available to people who have a severe disability and who have earned a sufficient number of work credits from their former jobs. Most applications for SSDI are initially denied, but people can appeal the denials and have hearings on their applications. Many people who are initially denied win their claims on appeal. The amounts people might receive from SSDI will be based on the amount that they have paid in FICA taxes. In 2018, the average SSDI benefit was $1,197 per month, but the monthly amount can be as high as $2,861 per month.
VA Disability Benefits
Disabled veterans whose disabilities are related to their service may be eligible for VA disability benefits. It is possible for veterans to receive veterans’ disability benefits when they are not totally disabled because the benefits are based on the disability rating. Because veterans’ disability benefits are not based on the income of the veterans, they can receive SSDI and veterans’ disability benefits at the same time. However, getting approved for veterans’ disability benefits does not mean veterans will automatically qualify for SSDI and vice versa.
Workers’ Compensation Benefits
People whose disabling injuries happen on the job are eligible for workers’ compensation benefits. These benefits pay for the workers’ medical expenses. If they are left with temporary or permanent partial or total disabilities, they may also receive monthly disability payments. People are allowed to collect SSDI and workers’ compensation. However, the total that they receive cannot be more than 80 percent of the incomes that they previously made.
Long-term Disability Benefits
People who have long-term disability insurance through their employers or on their own may receive benefits if they aren’t able to work. Most LTD providers require recipients to apply for SSDI and will offset their benefits amounts by the amount received in SSDI.