While unemployment benefits and disability payments can be complicated enough, they can be even more difficult to navigate when combined. The Gil Law Firm in Dothan, AL, will help you predict how your benefits will interact so you can decide on the best strategy for your situation. Below is an outline of the most common issues.
Unemployment & Disability Benefits FAQ
Will My Unemployment Benefits Conflict with Social Security or SSI?
The short answer is “probably”. Collecting unemployment implies that you could work at some type of job, while disability benefits are reserved for those who can't. You can't claim both types of benefits at the same time. However, you can begin claiming disability benefits after your unemployment runs out.
What Happens If I Claim Both at the Same Time?
Aside from the negative impact on your disability case, you may be required to pay back the excess benefit amounts. When your finances are already strained, it's best to avoid this situation.
What Will I Do During the Wait?
It is an unfortunate reality of our current system that a disability claim takes a long time to approve—sometimes as much as three years. Living without an income for that length of time is a hardship you may have to face. If possible, plan ahead by purchasing disability insurance and saving a portion of your income. If it's too late to take those advance measures, debt consolidation and disability back payments can help address the debts you will accrue.
Do I Qualify for Back Payments?
You can receive back SSI benefits from the date of your application, and qualify for Social Security disability from up to a year before your application, assuming the date of onset of your disability is before this point.
For help coordinating your unemployment and disability benefits, schedule a consultation with The Gil Law Firm. Call them at (334) 673-0100 today, or learn more about their services online.