Workers’ compensation helps cover lost wages and medical bills after a workplace injury. If an injury becomes long-term or permanent, however, workers’ compensation benefits might not last forever.
Some injured workers in Ohio may need to turn to Social Security Disability (SSD) for long-term financial support. It is important to understand how this transition between workers’ comp and SSD works so you will not have a lapse in benefits.
Know when workers’ comp ends
In Ohio, temporary total disability benefits can stop when the injured worker reaches maximum medical improvement or returns to work. If the injury leads to permanent restrictions that prevent working at all, SSD may become the next option. The Social Security Administration (SSA) considers only total disabilities for SSD, not partial ones.
Apply early if the injury becomes permanent
The SSD process can take several months or more. It is important to apply as soon as it becomes clear that returning to work will not be possible. The SSA requires evidence that the disability will last at least 12 months or result in death. Medical records, test results and work history must show why working is no longer possible.
Understand how benefits interact
In Ohio, receiving workers’ compensation can affect SSD benefits. The SSA may reduce SSD payments if combined workers’ compensation and SSD benefits exceed 80 percent of the average pre-disability income. This is the “workers’ compensation offset.” The offset applies only until the workers’ compensation benefits end.
Keep track of medical treatment
Continued treatment and medical documentation will help show the long-term effects of the injury. SSA reviewers often look for consistency in care and support from doctors. Gaps in treatment or inconsistent reports can hurt the SSD claim.
Prepare for the transition period
There may be a gap between when workers’ compensation ends and when SSD benefits begin. Plan for this delay by gathering records and completing the application early. If the SSA approves the claim, benefits can begin after a five-month waiting period.
Moving from workers’ compensation to SSD requires clear documentation and good timing. Staying informed about Ohio’s workers’ compensation rules and the federal SSD process can make the transition more successful for workers with lasting injuries.