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Can You Collect Unemployment And Disability At The Same Time

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Can I Receive Benefits From Both Unemployment Compensation And Ssd Or Ssi

How will Unemployment Benefits affect my Disability Insurance Benefits back payments?

If you receive unemployment compensation while your claim for SSD or SSI benefits is pending, and your claim is approved, your retroactive SSD or SSI benefits will be reduced for the period of time you were collecting unemployment compensation. Typically, unemployment means that youâre capable of working â you just canât find a job. In order to be successful in your claim to receive SSD or SSI benefits, you must have a disability or condition that prevents you from working at all and that you are not currently seeking employment. There may be exceptions, and you should contact the Social Security Administration to learn if youâre eligible to apply for SSD or SSI benefits.

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Go Online To Create Your Own My Service Canada Account

My Service Canada Account is a fast and convenient way to securely:

  • confirm any decision made about your Employment Insurance application;
  • see details on your payments and deductions;
  • view and update your personal information;
  • view your EI tax information slips;
  • view all Records of Employment your employers submitted electronically in the last two years;
  • view and print your Canada Pension Plan Statement of Contributions and benefit estimate; and
  • register to access EI special benefits for self-employed people.

You Have Paid Ei Premiums

If you are employed in insurable employment, your employer will deduct EI premiums from your wages or salary. These premiums go into the EI Fund. There is no minimum or maximum age for paying EI premiums.

You pay EI premiums on all your earnings up to a maximum amount. In 2020, for every $100 you earn, your employer will deduct $1.58, until your annual earnings reach the maximum yearly insurable amount of $54,200. The maximum amount of premiums to be paid in 2020 is therefore $856.36.

Since Quebec has its own program that offers maternity, paternity, and parental benefits, the Government of Canada has adjusted the premiums accordingly for that province. In 2020, the premium rate for workers in Quebec is set at $1.20 for every $100 of earnings, up to a maximum amount of $650.40 for the year.

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Are School Employees Eligible For Disability Insurance Benefits During School Breaks

School employees are not eligible for Disability Insurance benefits if:

  • Full wages were or will be paid to the employee during the contract period when services were performed.
  • A period of disability overlaps with a school break and the employee is not scheduled to work, does not have a history of working during the break, or does not have an additional employer.
  • The disability period extends through the school break period.

However, if the employee is not receiving wages but would have been working for extra income if not disabled , then the employee may be eligible for benefits to replace the additional income.

Can I Collect Social Security And Unemployment At The Same Time

Can You Collect Disability and Unemployment Benefits at ...

Older workers who lose their jobs and want to get the most income possible to survive, often wonder if they can collect both unemployment and social security payments at the same time? The simple answer is yes. Legally you can collect both types of benefits simultaneously. However, depending on which state you live in, the amount of money you receive in unemployment insurance can be decreased based on the size of the payment you receive from the Social Security Administration in retirement benefits. This is the case in Illinois, Louisiana, Minnesota and South Dakota.

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Experienced Successful Lawyers Who Care Midwest Disability Works For You

Contact us online or call our offices directly at ;for a;free case evaluation;and consultation with one of our SSD/SSI benefit attorneys. We can provide you with information about Social Security Disability benefits and explain how we can help you through the Social Security process. Based in the Midwest, we provide legal assistance to clients throughout the nation.

~ Get Your FREE ~

Does It Matter Where I Live

Because the Social Security Disability and Supplemental Security Income programs are run by the federal government the law, the issues and the claims process are generally the same no matter where you live.

In other words, Midwest Disability can represent you efficiently regardless of where you live. Our lawyers travel throughout the nation to represent clients in administrative hearings in the states in which they live. The cost is the same as well and is contingent on you winning your case.

Based in the Midwest, our social security disability lawyers provide legal assistance to clients throughout the nation. Contact us online or call our offices directly at for a free case evaluation and consultation with one of our SSD/SSI benefit attorneys. We will provide you with information about Social Security Disability benefits and explain how we can help you through the Social Security process.

Our legal team started in the Midwest but now provides legal assistance to Social Security applicants throughout the nation. Let us bring our Midwest values to you no matter where you live. Free Case Evaluation.

Social Security Disability Insurance Eligibility

To qualify for SSDI benefits, an individual must have an impairment that prevents him or her from working that also meets the Social Security Administrations;definition of disability, which is different for minors and adults.

Unemployment Eligibility
Ticket to Work Program
Minnesota Unemployment and Disability Benefits

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Are You Eligible For Ei Sickness Benefits

You may be entitled to receive EI sickness benefits if:

  • you are employed in insurable employment;
  • you meet the specific criteria for receiving EI sickness benefits;
  • your normal weekly earnings have been reduced by more than 40%; and
  • you have accumulated at least 600 hours of insurable employment during the qualifying period or, if you are a self-employed fisher, you have sufficient insurable earnings from self-employment in fishing during the qualifying period.

Can I Get Benefits If I Am Living In A Residential Alcohol Rehabilitation Facility

Can You File and Receive Unemployment and File For Disability at the Same Time?

You may qualify for up to 30 days of Disability Insurance benefits if you are living at an approved residential alcohol rehabilitation facility that a physician/practitioner recommends. An additional 60 days may be paid if you remain a resident of the facility and your physician/practitioner continues to certify to your need for continuing residential services.

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How Unemployment Insurance Works

When people are laid off from their jobs, and meet the other unemployment program eligibility requirements, they can collect unemployment payments. They can receive unemployment payments for a fixed time, currently its 26 weeks. However, economic conditions and several other factors can cause the payment period to be extended. The size of the benefit amount depends on the amount of money they were earning prior to losing their job and the maximum weekly payment allowed by the state in which they live and work.

The Discretion Of Disability And Unemployment Examiners And Administrative Law Judges

Can you collect unemployment and social security disability benefits by relying on persuasive advocacy in front of an examiner or an administrative law judge?

It is certainly possible.

After all, some of the foregoing loopholes rely on legal interpretations that have never before been tested in court.

In cases such as these, administrative law judges enjoy broad discretion in agreeing or disagreeing that you can collect unemployment and social security disability simultaneously.

Even if the interpretation of the law that you are advancing appears to be supported by precedent , an administrative law judge enjoys a certain amount of discretion in interpreting the meaning of these cases, and he may disagree with your conclusion that you can collect unemployment and disability. Different judges may view your argument in different ways.

Ultimately, the persuasive abilities of your lawyer can be critically important.

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Collecting Both Social Security And Unemployment

In most states it is possible to collect both your full unemployment insurance benefits as well as the entire amount of social security to which you are entitled. Contact your state unemployment office to find out if you are subject to the social security offset law that can cause your unemployment benefits to be reduced by as much as 50% of the social security payment you receive each month. That may result in it making more financial sense for you to wait until you qualify for full social security benefits before you apply. It can mean hundreds of dollars more for you each month.

How Long Will I Receive Sdi

Can You Collect Disability and Unemployment Benefits at ...

You will receive SDI benefits for as long as you remain disabled, as defined, up to a maximum of 52 weeks. However, in some cases a person who is otherwise qualified might not receive a full year of SDI because they do not have enough money in their account for a full year of benefits. You will receive a statement from the EDD when you apply telling you how much money is in your reserve account.

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How Does Unemployment Affect Disability


If you receive Social Security Disability Insurance benefits, you have a medical condition that prevents you from working on a regular basis. In contrast, unemployment benefitswhich vary by state–are available only to those who were previously employed, but lost their jobs due to a qualified cause, such as lay-off. At first glance, it seems that claiming unemployment benefits at the same time as disability benefits is paradoxical, though in some instances such claims may be possible.

The Ssdi Ticket To Work Program

If you are already receiving SSDI benefits and you believe that you may be able to work despite your disability, you can join the SSA Ticket to Work Program .

Entry into the TWP will allow you to work for at least nine months while retaining full SSDI benefits. If you work for at least six months but are laid off, you are eligible to collect unemployment and disability benefits at the same time.

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Will Applying For Social Security Benefits Affect Unemployment

While unemployment benefits will not affect Social Security payment amounts, unless the payments exceed the SSI maximum, the opposite is true under some circumstances. Funds received through one of Social Security benefit programs may end up reducing a persons unemployment benefits, depending on the state in which the recipient lives.

Social Security benefits only affect unemployment benefit amounts in the following states: Illinois, Louisiana, Minnesota, and South Dakota .

This wasnt always the case. In the early 2000s, 20 states and the District of Columbia had Social Security offset laws. States began repealing them in 2003 amid advocacy efforts on the issue. The most recent state to do so was Illinois, which repealed its offset law in 2015.

Minnesota still has partial offset laws regarding Social Security and unemployment compensation. For residents who receive both benefits, Minnesota reduces unemployment insurance by half of your Social Security benefits. There are determining factors, such as when you started receiving disability payments and the length of time between filing for Social Security and filing for unemployment.;

Do Unemployment Benefits Affect Ssi Or Ssdi Benefits And Vice Versa

Can I Get Workers Comp Benefits & Social Security Disability Benefits At The Same Time?

Most people who receive Social Security benefits do not want to risk losing the monthly payments that provide partial replacement income. That is why many Americans who receive benefits through Social Security Disability Insurance or Supplemental Security Income are reluctant to apply for unemployment benefits when they lose their job out of fear that they could lose their SSDI or SSI benefits.

Should you worry about losing your eligibility for SSI or SSDI benefits if you wish to apply for unemployment compensation benefits in Florida?

Do Unemployment Benefits Affect Your SSDI or SSI Eligibility?

The Social Security Administration considers unemployment benefits unearned income. Thus, these benefits will likely have no effect on your SSDI benefits if you are not working.

As for your SSI eligibility, things are more complicated. Since unemployment benefits are unearned income, these payments will reduce SSI dollar for dollar .

In 2020, the monthly federal payment maximum is $783 for an eligible individual. Thus, anyone receiving unemployment benefits that exceed $803 is not eligible for SSI due to excess income.

Under certain circumstances, you might lose your eligibility to collect unemployment benefits: These include but are not limited to:

  • Insufficient earnings;
  • Leaving your job to attend school.

Do Social Security Benefits Affect Unemployment Benefits?

Can You Collect Both Unemployment and Social Security Benefits?


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What Are Employment Insurance Sickness Benefits

The Employment Insurance program offers temporary financial assistance to unemployed workers. This assistance includes providing sickness benefits to people unable to work because of sickness, injury, or quarantine.

If you cannot work because of sickness, injury or quarantine, but you would otherwise be available to work, you could be eligible to receive up to a maximum of 15 weeks of EI sickness benefits.

Potential Legal Loopholes That May Allow You To Collect Unemployment And Social Security Disability

The following are some examples of potential loopholes that might allow you to collect unemployment and disability benefits at the same time. Whether or not any given loophole will ultimately succeed is not cut and dried.

Instead, each of these options varies in its feasibility depending on your particular circumstances, and they carry varying degrees of legal risk. They are listed below in ascending order of legal risk .

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Can You Collect Unemployment Benefits While Waiting For Disability Is This A Conflict

When I asked my clients about the apparent discrepancy, they would tell me that something like: “I want to work and am willing to try to work, and if I could get a job I would work hard to perform it. I dont know if my medical condition would allow me to perform reliably, but I would certainly try.”

Social Securitys stated policy is to encourage people with disabilities to return to work, and I personally do not see a huge inconsistency in a claimant who is applying for both unemployment and SSDI.

But Social Security tends to view things in an either-or fashion. You are disabled or you are not, and there seems to be no middle ground.

Some judges take the position that if you say you are ready, willing and able to work, then by definition, you are not disabled.

Apparently, if you accept unemployment compensation and sign your name to a statement that asserts that you can work, then you must not be disabled.

Of course, you dont automatically receive disability benefits if you do not apply for unemployment and sign a statement that you are not able to work.

And there remains no answer to the question of how you can feed and house yourself and your family during the time that Social Security takes to decide whether you are disabled.

Can You Receive Both Ssdi And Private Disability Insurance

Yes, You Can Receive Unemployment and Social Security at ...
  • Maggie Schott

Considering how low average Social Security payments are, it spurs many to consider either buying private disability insurance or planning potential private options through their employer so that if they do get injured, they have support ready to go.;

In short, you can receive both Social Security Disability Income and private disability insurance at the same time. Receiving private disability insurance payments doesnt affect eligibility for Social Security and Social Security payments will never decrease as a result of private disability payments. However, Social Security payments could reduce the amount you receive from a private policy so that your total monthly income stays the same amount as if you were just receiving federal benefits.;

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Can You Get Unemployment And Disability Consecutively

Although it is difficult to obtain unemployment and disability;at the same time, can you get unemployment and disability;consecutively?;Meaning can you get one right after another?

In most cases, yes. You can receive unemployment and then become unable to work and obtain disability. Similarly, you can receive disability and then become able to work again and receive unemployment.

If you are currently receiving unemployment, but you have a disability policy, then you can file a claim for disability. Some disability policies are provided through an employer. If your disability policy was through your employer, then you may no longer be covered by the policy if you were terminated and are now receiving unemployment. However, some disability policies extend for a period after employment, so you may still qualify. If you have an independent disability policy, then you may be able to make a claim when you become unable to work. At that point, you will also have to inform the unemployment office that you are no longer ready, willing, and able to work. If you are seeking;SSD, then you may qualify when your ability to work drops below a certain amount.

If Your Spouse Also Worked Under Social Security

If your spouse is eligible for retirement benefits on their own record, we will always pay that amount first. But, if the spouses benefit that is payable on your record is a higher amount, they will get a combination of the two benefits that equals the higher amount.

If your spouse will also receive a pension based on work not covered by Social Security, such as government or foreign work, their Social Security benefit on your record may be affected.

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