Social Security Disability After a Serious Injury

• SSDI is based on your work history and the Social Security taxes you paid.
• SSI is need-based, with income and asset limits.

Social Security generally considers you disabled only if you can’t do substantial work and your condition is expected to last at least a year or result in death. See ssa.gov/disability.

An injury settlement usually doesn’t reduce SSDI, but it can affect SSI and Medicaid eligibility. Medicare may need to be repaid for injury-related care. Planning the settlement matters. See medical liens.

1. Apply with Social Security online, by phone or at a local office.
2. Keep copies of all medical records.
3. Tell your injury lawyer if you apply for or receive benefits.