If you’re unable to hold a job because of a work-related injury, getting the resources you need depends on understanding the benefits available. Social Security Disability and unemployment programs both offer cash benefits to those who are unable to work, but they are tailored to specific situations. Below is an overview of the differences between Social Security Disability and unemployment benefits.

What Is Social Security Disability?

Social Security Disability is an insurance program designed to support workers who are unable to earn a living due to an illness or traumatic injury. Because these benefits are funded by payroll taxes, eligibility is limited to workers who have paid into the system by establishing a consistent work history.

In some cases, disabled children and former spouses of qualified workers may also qualify for benefits.

Types of Social Security Disability Benefits

The disability program offers cash wage replacement benefits, as well as any medical care you might need. These benefits continue until either your condition improves and you can return to work, or you become eligible for Social Security retirement benefits.

An Introduction to Unemployment Benefits

Unemployment greatly differs from disability benefits, as it provides short-term relief to workers who have lost their jobs. To qualify, you must be physically able and willing to work, as well as actively seeking employment.

In most cases, those who qualify for disability are ineligible for unemployment, although you may collect benefits if your Social Security Disability claim has been denied.

Types of Unemployment Benefits

Typically, unemployment consists solely of cash benefits equal to a percentage of your former wages. Because these programs are administered by the state, the duration of these payments varies from one jurisdiction to the next. In New York, unemployed workers may collect benefits for up to 26 weeks, after which their eligibility ends.

The Social Security Disability process can be confusing, which is why workers throughout the Rochester area rely on Vincent J. Criscuolo & Associates. This accomplished law firm provides unmatched service and in-depth legal expertise, earning them recognition as one of the Nation’s Top One Percent. Visit their website for more on how they can help with your disability claim, or call (585) 232-3240  to schedule a consultation today.