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Old 01-18-2015, 12:10 PM
 
Location: SW US
2,224 posts, read 2,041,831 times
Reputation: 3839

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Originally Posted by NoMoreSnowForMe View Post

But, for anyone else, who may find this curious, SSDI is based on your most recent work credits. So, if you become disabled, go through your workers comp, then state disability, and finally get to your Social Security hearing, which can take several years, now you don't have enough recent work credits to collect SSDI.
Whoever advised you to do it this way was incorrect. You apply for everything you are eligible for at the same time. Social Security will offset SSD benefits by whatever you get from workers comp or LTD. I don't know why you would have waited to apply for SSD but that was a big mistake because as you say then you would be out of work for too long. The only thing they look at is your status of recent work on the date you apply for SSD.
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Old 01-18-2015, 12:17 PM
 
Location: Silicon Valley
18,134 posts, read 23,045,598 times
Reputation: 35392
Quote:
Originally Posted by Windwalker2 View Post
Whoever advised you to do it this way was incorrect. You apply for everything you are eligible for at the same time. Social Security will offset SSD benefits by whatever you get from workers comp or LTD. I don't know why you would have waited to apply for SSD but that was a big mistake because as you say then you would be out of work for too long. The only thing they look at is your status of recent work on the date you apply for SSD.
I agree 100% and when asked, this is exactly what I advise people to do. I was advised that I had to go through all other options before I could apply for SSDI. Live and learn. It was a very expensive mistake.
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