Many residents of the Birmingham area work at jobs which can be physically demanding, meaning that they are more prone to injuries which can sideline the person from being able to work for years or even permanently.
Many other workers in Alabama are frequently exposed to hazardous conditions, like heights, heavy equipment and toxic chemicals for example.
Although there are many dangerous jobs in the state, common examples include construction workers who build buildings or improve the roads.
Those who did get seriously hurt or sick at work will need income support, and Social Security Disability benefits are one source of that support.
Workers otherwise qualified may get benefits for work-related conditions
Anyone who is filing for disability benefits with the Social Security Administration will have to demonstrate how his or her condition qualifies as a disability. Proving a disability requires medical and other documentation and careful preparation of a clear and persuasive case.
The good news is that there is no limitation on workers seeking disability benefits for work-related injuries. These people are held to the same standards as anyone else.
On a related point, Social Security is a no-fault system. In most cases, even if a worker is in some way responsible for her own condition, say by making a mistake for example, the benefits are still available.
What about workers’ compensation?
An Alabama worker who got hurt or sick on the job may also choose to apply for workers’ compensation benefits. Doing so will not disqualify him from Social Security. However, the Social Administration does cap the benefits he may receive.
Specifically, a person may not receive more than 80% of her former gross income from worker’s compensation and Social Security. If it appears she will cross this threshold, then the Social Security Administration will reduce the monthly benefit in order to enforce the cap.
To give an example, if a person was making $4,000 gross on average before a disabling illness or injury, then the dollar amount of the 80% cap would be $3,200. So, if the person receives $2,000 a month in workers’ compensation, the most the Social Security Administration will pay is $1,200 even if the worker is otherwise eligible for more.