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Is Social Security Disability Affected by WC?

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Social Security Disability

Does Workers Compensation have an effect on Social Security Disability?  More precisely, do Social Security Disability applications increase when WC payments decrease?

Symbol for Social Security Disability SSA USA
Wikipedia – US Government

This was pointed out in the Work Comp Analysis group on LinkedIn today.  In reading over the study, I was at first very skeptical.

The authors of the study used historical data to prove that when states toughen their Workers Compensation laws, especially amount and duration of benefits,  this causes injured employees to seek out other benefits.

The link to the study is in PDF document.   You may want to at least skim through the study and formulate your own opinion.

There were a few responses  that acknowledged the dumping of WC claimants onto federal benefits as a way to lessen risk.  I would have to agree this has and does happen in  workers compensation.  Then, again the Workers Compensation Medicare Set Asides (WCMSA) enforcement was a method for the federal government to recoup some of those costs.

This study in 2012 seemed to disagree with the study authors’ conclusion as was acknowledged as a differing opinion in the study itself.  I give the authors credit as most authors do not include differing opinions.

Workers Comp does affect Social Security in the area of offsets.   Social Security Disability payments have a Workers Comp offset in most cases.   One has to wonder if in one of these  studies an author may consult with someone that understands workers comp such as a risk manager?

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James Moore

Raleigh, NC, United States

About The Author...

James founded a Workers’ Compensation consulting firm, J&L Risk Mgmt Consultants, Inc. in 1996. J&L’s mission is to reduce our clients’ Workers Compensation premiums by using time-tested techniques. J&L’s claims, premium, reserve and Experience Mod reviews have saved employers over $9.8 million in earned premiums over the last three years. J&L has saved numerous companies from bankruptcy proceedings as a result of insurance overpayments.

James has over 27 years of experience in insurance claims, audit, and underwriting, specializing in Workers’ Compensation. He has supervised, and managed the administration of Workers’ Compensation claims, and underwriting in over 45 states. His professional experience includes being the Director of Risk Management for the North Carolina School Boards Association. He created a very successful Workers’ Compensation Injury Rehabilitation Unit for school personnel.

James’s educational background, which centered on computer technology, culminated in earning a Masters of Business Administration (MBA); an Associate in Claims designation (AIC); and an Associate in Risk Management designation (ARM). He is a Chartered Financial Consultant (ChFC) and a licensed financial advisor. The NC Department of Insurance has certified him as an insurance instructor. He also possesses a Bachelors’ Degree in Actuarial Science.

LexisNexis has twice recognized his blog as one of the Top 25 Blogs on Workers’ Compensation. J&L has been listed in AM Best’s Preferred Providers Directory for Insurance Experts – Workers Compensation for over eight years. He recently won the prestigious Baucom Shine Lifetime Achievement Award for his volunteer contributions to the area of risk management and safety. James was recently named as an instructor for the prestigious Insurance Academy.

James is on the Board of Directors and Treasurer of the North Carolina Mid-State Safety Council. He has published two manuals on Workers’ Compensation and three different claims processing manuals. He has also written and has been quoted in numerous articles on reducing Workers’ Compensation costs for public and private employers. James publishes a weekly newsletter with 7,000 readers.

He currently possess press credentials and am invited to various national Workers Compensation conferences as a reporter.

James’s articles or interviews on Workers’ Compensation have appeared in the following publications or websites:

  • Risk and Insurance Management Society (RIMS)
  • Entrepreneur Magazine
  • Bloomberg Business News
  • WorkCompCentral.com
  • Claims Magazine
  • Risk & Insurance Magazine
  • Insurance Journal
  • Workers Compensation.com
  • LinkedIn, Twitter, Facebook and other social media sites
  • Various trade publications

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