Can I get both SSDI and workers' comp in Idaho?
By Hogan Smith
Updated 05/28/2025
If you’ve been injured and are unable to work, you may be wondering whether you can receive both Social Security Disability Insurance (SSDI) and workers' compensation benefits in Idaho. The short answer is yes, but there are some important rules and limitations you should understand before applying for both.
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Understanding SSDI and Workers' Compensation
SSDI (Social Security Disability Insurance)
SSDI is a federal program that provides monthly benefits to individuals who are disabled and unable to work due to a medical condition expected to last at least one year or result in death. Eligibility is based on your work history and disability status, not how the disability occurred.
Workers' Compensation
Workers' comp is a state-based benefit that covers medical expenses and provides wage replacement for individuals injured on the job. In Idaho, it is managed through the Idaho Industrial Commission and applies only to work-related injuries or illnesses.
Can You Receive Both at the Same Time?
Yes, you
can receive both SSDI and workers' comp in Idaho—but there’s a catch:
The
combined total of your SSDI and workers' comp benefits
cannot exceed 80% of your average current earnings before your disability. This is known as the
workers' compensation offset.
If your benefits exceed that 80% threshold, the SSA will reduce your SSDI payments to stay within the limit. This is called an SSDI offset.
Example of the SSDI Offset
Let’s say:
- Your average monthly earnings before becoming disabled were $4,000
- You receive $2,000 per month in workers' compensation
- You are approved for $1,800 per month in SSDI benefits
80% of $4,000 is
$3,200.
Since $2,000 (workers' comp) + $1,800 (SSDI) = $3,800, your
SSDI will be reduced by $600, so your final SSDI benefit becomes
$1,200.
How Long Can You Receive Both Benefits?
You can continue receiving both benefits as long as you:
- Remain medically eligible for SSDI
- Continue to receive workers' compensation due to your job-related injury
However, once your workers' comp payments stop, your SSDI benefit may increase back to its full amount, provided you're still eligible.
Reporting Requirements
It’s crucial to report all workers' compensation benefits to the SSA when applying for SSDI. Failing to do so can result in:
- Overpayments that you may have to pay back
- Delays or denials in your SSDI claim
- Possible penalties or suspension of benefits
Always keep copies of all documentation and payments related to your workers’ comp case.
How Hogan Smith Can Help
Navigating the overlap between SSDI and workers' compensation can be confusing, especially with offset rules and documentation requirements. At Hogan Smith, we help Idaho residents:
- Understand benefit calculations and potential SSDI offsets
- Prepare and submit SSDI applications with workers' comp factored in
- Communicate with the SSA to prevent delays and errors
- Appeal SSDI decisions if they were denied due to workers' comp conflicts
Contact Hogan Smith Today
Wondering how your workers’ comp will affect your SSDI eligibility? Contact Hogan Smith for a free consultation. Our experienced disability team can help you evaluate your case, navigate the application process, and make sure you receive the full benefits you deserve in Idaho.
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