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Will My Disability Benefits Be Reduced?

Question:
Will my disability benefits be reduced if I get workers’ compensation or other public disability benefits?

Answer:
If you get either workers’ compensation or public disability benefit payments, we may reduce Social Security benefits for you and your family.

Public disability benefit payments paid under a federal, state, or local government law may affect your Social Security benefit. This includes civil service disability benefits, temporary state disability benefits, and state or local government retirement benefits based on disability. Disability payments from private sources, such as a private pension or insurance benefits, don’t affect your Social Security disability benefits. However, in some cases, private disability insurers may require you to apply for Social Security disability benefits before they pay you. You may want to check to find out about your private insurer’s policy.

We reduce the Social Security disability benefits you and your family get if the combined total amount, plus your workers’ compensation payment, plus any public disability payment you get, exceeds 80 percent of your average earnings before you became injured or ill.

See the publication What You Need To Know When You Get Social Security Disability Benefits at www.socialsecurity.gov/pubs for more information.

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