I have been collecting unemployment

Submitted by cnfusd on Fri, 05/01/2009 - 05:41

I have been collecting unemployment in OR for a little over a year now. At my doctor's urging, I am applying for SSDI benefits, on the basis of an ongoing partially disabling condition - a disability that impairs my ability to work productively and therefore find employment based on my record. The SSDI claim process seemed to require that I say that I have been unable to work for the past year because of my disability. After explaining the above, I stated that I have been disabled for the past year and unable to work. Am I in trouble with either UI or SSDI? Should I call SSDI and modify my statement?

Posted: 01 May 2009 09:09 Post Subject:

This has been discussed in the forums couple of times that one can't qualify for the disability benefits while on unemployment because there is no income loss to document.

After explaining the above, I stated that I have been disabled for the past year and unable to work.

If that means that you have lied in your form then yeah, you may get into trouble with both SSDI and UI.

However, just hang tight, the experts would soon be here to help you.

Posted: 01 May 2009 11:09 Post Subject:

Should I call SSDI and modify my statement?

Not sure if that would be wise. If you call and let them know that you have lied in the application they would deny the claim anyway.

However, I think that they would find out about the misrepresentation of fact while running the check and that too would lead to claim denial.

IMO you are stuck and in all possibilities wouldn't receive the SSDI. But you should still wait for the experts to drop-in to this thread.

Posted: 02 May 2009 05:19 Post Subject:

I have been asked to respond to this thread, so let me see if I can shed some light on the subject.

I am assuming that the OP has worked long enough and paid enough into the S.S. system to have earned the SSDI benefit.

In order to qualify for SSDI (again, assuming the OP has enough S.S. earnings), the disability must be expected to last at least 12 months or result in your death. The key word is expected, not "have been" disabled for 12 months. Secondly, you must be unable to work at any substantial occupation in the entire U.S. economy considering your experience, training or education. It usually takes at least a year after application to actually receive the benefits if you're approved. There is a five-month waiting period starting on the date of disability with the first payment at the end of the sixth month.

If you have already been disabled for a year, as you stated, and your disability prevents you from working as described above, there is a chance that you will qualify for SSDI. Now the waiting game begins. Get ready for a long one.

As far as the unemployment insurance is concerned, I don't think you have anything to worry about, unless you lied about actively looking for work while collecting the UI. If you have been looking for work as required by the unemployment division, your disability won't matter as it relates to your UI benefits.

InsTeacher 8)

Posted: 02 May 2009 12:40 Post Subject:

Teacher, I could be mistaken here, but if I'm not...It's my understanding that in order to collect unemployment (state)...a person MUST be able to actively pursue employment...and a disabled person (as noted in the post) would be prohibited from doing so...I've always understood if you're 'disabled' you are barred from collecting unemployment. I understand that the unemployment was granted NOW the OP is going for disability, but won't the mere application for disability now disqualify any further (and perhaps past) unemployment payments?

Posted: 04 May 2009 07:31 Post Subject:

Hi Teacher, thanks for responding to this thread on my request. I knew that you would be able to help the OP. However, I've got couple of confusions. According to the OP he has stated that he was disabled for last one year as it was asked in the application form.

After explaining the above, I stated that I have been disabled for the past year and unable to work.

However, we are not aware whether this statement is true or not. The possibility can be that he was unemployed last year but stated himself as disabled to qualify for the SSDI. What would happen if its the case?

Again, as Lori has stated, an unemployed person can't furnish wage loss document and therefore shouldn't qualify for disability income protection. Isn't it true?

Posted: 04 May 2009 09:20 Post Subject:

Lori is absolutely correct. In order to receive unemployment benefits, an individual must be able, willing, and actively pursuing employment. In fact, most states require a prospective job seeker to check in with the unemployment office and show documented proof of job seeking activities. Somebody that is unable to work would be fraudalently collecting unemployment benefits.

Posted: 29 Jul 2010 07:43 Post Subject: Drawing UI while waiting on SSDI approval

I have been drawing Arizona UI since July 2009 after being laid off from my job of 5 years. I have been looking for work all along but 2 months ago my permanent lower back condition flared up severely and after not being able to find a suitable work position...I applied for SSDI. I have been approved for disablity but after filing for SSDI I continued to file my unemployment claims and look for work that I may be able to do regardless of what happens with SSDI because they do want you to continue working while on SSDI. My question is...at what point if any...I recently stopped filing my UI claim but am curious as to if I should have stopped filing UI in order to not be looked upon as fraudulent? Also if awarded retro pay through SSDI...will UI take the entire amount for back pay or will it be based on my date of filing or from the date of being deemed disabled? Thanks for your help. :)

Posted: 06 Aug 2010 05:19 Post Subject: Unemployment and SSDI

I was trying to find out the answer, to your question. It's about the same problem, a friend of mine is currently going through. Unemployment has sent him a letter and he's not sure what to do.

Posted: 07 Aug 2010 06:17 Post Subject:

because they do want you to continue working while on SSDI.

Incorrect. You must not be able to "perform any substantial gainful activity" in order to be eligible for Social Security Disability benefits. There is a "trial" program that allows you to work and earn a limited amount of money in order to prove that you cannot earn at least the $1080 minimum monthly income that would disqualify you from receiving benefits at all.

Unemployment has sent him a letter and he's not sure what to do.

What is the letter telling or asking your friend to do? It would probably be a good idea to comply with that letter.

Posted: 24 Feb 2011 12:55 Post Subject: Texas UI benefits and SS Disability

I am faced with some of these same questions. I was laid off from my job in March of 2010 and collecting Texas unemployment benefits since. I have MS and DARS is paying for me to go back to get my teachers certificate. Upon the advise of my DARS counselor, I applied for SSDI and just found out that I was approved. I was told that SSDI will backpay me from August of 2010. This totals approximately $20k. I am an un-sure what to do at this point?? I have no problem stopping Texas UI benefits but I am scarred that they will come after me for money that I owe them. Please let me know what I should do.

Posted: 24 Feb 2011 07:10 Post Subject:

First things first. Unless you are describing the total family benefit, you will not be receiving upwards of $20,000 for SSDI over the past 5-6 months -- that amount far exceeds the individual maximum monthly SSDI benefit, so I don't know how you were led to believe what amount you will receive. The maximum retroactive period is not more than five months after the date of your disability, or the actual date of filing for SSDI, whichever is longer, if your disability is determined to have preceded your application date.

The current maximum SSDI benefit to you is $2245/mo. A family benefit (spouse caring for a minor child under age 16, and/or children under age 18 ) will not exceed $3945/mo. Your benefit is determined on the basis of your "Primary Insurance Amount" (PIA), but the total family benefit, including your benefit, cannot exceed about 175% of your PIA.

If you were capable of working, and were actively seeking work, then the UI benefits you received were not obtained through fraud or deceit, so no real problem there. Nothing prevents you from filing for SSDI (78% of all new applications are denied). After 24 consecutive months of receiving SSDI payments, you will automatically be enrolled in Medicare Part A and may begin paying the Medicare Part B premium if you choose to do so (it will be deducted from your SSDI payment).

Is the State of Texas entitled to a refund of UI benefits paid to you? Perhaps. You cannot be unemployed AND disabled -- the two are mutually exclusive when it comes to collecting unemployment insurance benefits. If they even choose to pursue a collection effort to recover money paid to you, there will be an administrative process you can use to appeal their efforts, and possibly get them to waive the amount, or agree to an extended repayment plan if nothing else.

You should not expect them to be cold-hearted and uncooperative. You should probably voluntarily terminate your UI benefit. Money payable to your spouse or minor children is not recoverable under any circumstances (except by Social Security in the event of an overpayment of your benefit).

But wait for them to make the next move. If they don't . . . :)

Posted: 20 Mar 2011 09:04 Post Subject: ssdi and unemployment

I filed for disability november 2009. I just got approved. March 18 2011. They said that the unemployment did not effect their decision for the amount or getting approved. I am getting back pay in the amount of 35000. I cant believe it. When social security called I thought it was a scam so I quizzed him to make sure. I had my lawyer call them to make sure it was true. Even my lawyer was shocked. I had already been denied once. I said I was disabled from jan 2007 but they are going back 24 months. I had just about given up and was forced to look for some kind of work. I have forgotten all about my claim. I havent told really anyone about the money so it feels good to even write about it. My point is that SSDI does not at least in RI take UI into consideration. Not for me anyway. thanks for listening. :D

Posted: 23 Jul 2011 06:20 Post Subject:

I'm on the same boat. I recently applied for SSDI and I've been collecting UI. I went to the SS office and applied in person. Before doing it, I was up front and told the claim's officer that I was collecting UI. He told me to keep on collecting since the claims take about 4 to 5 months. He said that UI doesn't affect your eligibility. But, if your claim gets approved, you have to cancel the UI benefits. That's all he told me. I live in California so I don't know if this applies to any other state. Good luck to all of you.

Posted: 25 Jul 2011 03:07 Post Subject:

Disability benefits would not be effected simply by receiving unemployment benefits, it's not true the other way around. In order to receive unemployment benefits you have to be able to work and actively looking for employment.

Do you potentially have a bit of a red flag receiving unemployment while applying for SSDI, yup. The process takes a while as you've already been told. Be prepared for a decline (they usually decline the first application just because) you'll then have to wait and reapply. That's the SSDI game. It's more about persistency than it is actual qualification. But then again, what in life isn't?

Posted: 04 Nov 2011 06:55 Post Subject: file for ssdi while drawing unemployment

I have been unemployed for over a year. I also suffer from diabetes,autheritis,degenerated disk and bone spurs in my neck and back. I also suffer migrane sympyom headaches that cause partial vision loss and dizzines when symptoms hapen. I was advised by an orthopedic doctor during an examination that i should not be lifting anything heavy. I want to sign up for ssdi benifits, but I fear that it would disqualify me from drawing unemployment. Is this true?

Posted: 05 Nov 2011 06:47 Post Subject:

As has been posted many times in other places, disability and unemployment benefits do not mix!

To be eligible to receive unemployment insurance benefits, you must be ABLE TO WORK and ACTIVELY SEEKING WORK. To be disabled under Social Security's rules means you are UNABLE TO PERFORM ANY SUBSTANTIAL GAINFUL ACTIVITY.

So, to answer your question, yes, being disabled will terminate your unemployment benefits.

Posted: 10 May 2012 08:30 Post Subject: CA SSDI is deducting ui

My California SSDI worker is taking my unemployment and disability pay out of my retro SSDI. The retro should be about $17k, but my earnings from UI is about $25k. What will happen? I also have 6 years of retirment pension ($50k value when I turn 50years old. I have over 25 years of paying into FICA. Thank you for any help or siggestions.

Posted: 10 May 2012 04:06 Post Subject:

There are certain tests of income that Social Security uses to determine what can offset SSDI payments. Unfortunately, because it takes so long to wade through the maze of SSDI appeals until a determination of eligibility is granted, all those other benefit dollars which would have reduced the SSDI payments on a timely basis can be used as an offset immediately and fully.

You could argue before an Administrative Law Judge that the offset should be deducted over time, but that is not usually a persuasive argument. After all, you had the use of that money in that time. You are getting the balance you are owed. You will have no reductions going forward if you are no longer receiving those other monies.

I also have 6 years of retirment pension ($50k value when I turn 50years old. I have over 25 years of paying into FICA.

None of that is important. Retirement earnings, even if paid before age 65 will not interfere with SSDI payments because they are based on prior work, and not considered present income.

Your SSDI payments alone will repay every penny you paid into the SS system in about 36 months (including the number of months your lump sum accounts for). After that, the next 24-30 months will equate to all the money your employers have paid in. After that, including after age 65 when you will no longer be "disabled", but will be retired instead, you will be receiving a benefit funded by other people's money. Not that that's wrong, but it is the reason there is a looming $188 TRILLION unfunded liability for the entire Social Security and Medicare systems by about 2080.

Thank goodness, I'll be long dead by then, and my son probably will be also, but my granddaughters will be 80 and 77 -- and probably too young to collect a retirement benefit by then.

Posted: 25 Aug 2012 10:58 Post Subject: unemployment

i have been recieving unemployment since 03-12-2012 and my last check was to be recieve on 08-24-2012,and i reported to unemployment thta i am diable and that i have been approve for ssdi but wont recieve my first ssdi check until10-24-2012 andunemployment want honor me my last check :(

Posted: 25 Aug 2012 11:21 Post Subject:

What is your question?

If you are disabled, you cannot collect unemployment insurance benefits. Apparently the unemployment insurance folks know that you are now disabled.

Your first SSDI check will be direct deposited into your checking or savings account in October or November. Social Security payments -- retirement, survivors, and disability -- are paid on the first day of the month. If your eligibility for SSDI payments begins in October, your first payment should be deposited on October 1. If the last month of your waiting period is October, your first payment will be deposited on November 1. No future payments are made (or must be returned) beginning on the first day of the month following a person's death.

In other words, the last payment a Social Security beneficiary received prior to his or her death is the last payment they were entitled to keep. All other payments after that tme must be returned.

Posted: 07 Oct 2012 10:17 Post Subject: recieving unemployment benefits while waiting social securit

I applied for social security Oct. 11, 2011. I started recieving unemployment, May 2011. I have a court date for disability Nov. 15,2012. I recieve my last unemployment check, Oct. 9, 2012. That's before I go to court. Will that affect my disability claim. My doctor, stated I was unable to to work.

Posted: 07 Oct 2012 10:52 Post Subject:

My doctor, stated I was unable to to work.

By itself, this will not qualify you for SSDI benefits. You must be determined unable to perform any substantial gainful actvitiy.

Your application for SSDI establishes when your benefit will start (even retroactively to five full months from the date of your disability or the date of your original SSDI claim, which ever is later. Normally, retroactive benefits will not be paid beyond the date of your first claim.

If you qualify and are paid SSDI benefits for any period of time between May 2011 and Oct 2012, the amount of UI benefits you received in that same time period should be repaid to the state -- you cannot be unemployed and disabled at the same time and collect benefits for both.

Posted: 19 Oct 2012 04:02 Post Subject: ssdi and ui

i am collecting UI if I am awarded Ssdi and receive a retroactive check do I have to pay UI back

Posted: 19 Oct 2012 05:28 Post Subject:

Probably. Each state sets its own rules.

Posted: 16 Nov 2012 07:59 Post Subject: ssi benefits while collecting ui benefits in wisconsin

i was approved for ssi benefits and ui benefits on the same day, i collected about 16 weeks of ui benefits( at $225 per week) and just recently was informed that i was not supposed to be collecting both at the same time, social security has sent me correspondence regarding this and i also expect to hear from unemployment in the near future, my question is, what kind of penalties can i expect to be imposed, if any ?

Posted: 17 Nov 2012 01:29 Post Subject:

It depends on whether you made any misrepresentations to the social security administration or to unemployment compensation. If so, you could conceivably face criminal insurance fraud charges. To mitigate any potential criminal liability, it is advisable that you self-notify unemployment office about the double benefits and make arrangements to re-pay one of those institutions. Unemployment might be even willing to overlook all or some of the overpayment; many states unemployment offices have such forgiveness provisions. You might wish to consult with an attorney.

Posted: 17 Nov 2012 12:11 Post Subject:

The state benefits are subordinate to the federal benefits (even though both are paid for with federal dollars). Repaying the state for any excess benefit received should clear the matter.

Posted: 31 Dec 2012 07:15 Post Subject: retroactive social security disability payment and unemploym

I lost my job due to a bipolar episode and applied for temporary state disability. After 6 months my doctor told me that I should go back to work and refused to sign my disabled certification form. So I had to apply for work and I have received unemployment benefits for the last 18 months. I looked for worked even suffering from manic depression because it is the law. I went to several interviews and applied for hundreds of jobs but didn't get any job offers. On January 1, 2013, II will received my last unemployment check and after that I will not have any income.

I hired a lawyer and applied for ssdi. I was denied 3 times but finally had a hearing with a judge. I was straight with him and told him the truth but he award me the ssdi benefits anyway. I havent received my award letter or my first check and I don't know when I will. It should be sometime in January and I am praying to God that it will be by the 9th of January, four months after my hearing.

My question is, when I receive my retroactive one time check of ssdi, will the money I received from unemployment be deducted from that retroactive check? Also, will the temporary state disability 6 months be duducted too? If that is the case, I wont even have money to pay my lawyer the $6,000 fee.

I am really stressed out about this and I would appreciate some answer. I tried looking in the Social Security Internet site and could not find any answers to my questions.

Posted: 31 Dec 2012 12:13 Post Subject:

when I receive my retroactive one time check of ssdi, will the money I received from unemployment be deducted from that retroactive check? Also, will the temporary state disability 6 months be duducted too?

No, the only money that might be deducted from your retroactive payment is your attorney's fee.

You should be asking your attorney these questions -- why else would he be earning the $6,000 maximum fee?

All Social Security payments are made on the first day of the month, and are ONLY made by direct deposit to a checking or savings account.

Posted: 05 Feb 2013 10:13 Post Subject:

Absolutely i am agree with "BNTRS" comment Disability benefits would not be effected simply by receiving unemployment benefits,

Posted: 05 Feb 2013 03:06 Post Subject:

Nice of you to agree with BNTRS, but you fail to mention that he also stated that being disabled disqualifies a person from receiving unemployment benefits. Most persons cannot collect both. His post is also 18 months old.

Posted: 17 Feb 2013 06:20 Post Subject: SSDI Retro-Pay and UI

I was laid off on January 1st 2012 and filed for SSDI immediately.
Was approved for SSDI in January of 2013.
Will Federal Goverment reduce my Retro-Pay becasue my only income was UI?

Posted: 18 Feb 2013 02:49 Post Subject:

You were laid off because you were disabled? You collected unemployment benefits while you were disabled?

I don't understand. On what basis did you file for Social Security Disability? On what basis did you collect unemployment insurance benefits in 2012?

Something doesn't make sense. To be approved for Social Security Disability, you must be disabled for 12 months (or be certified as having a disability that will last at least 12 months or result in death), and the definition of disability is "the inability to perform any substantial gainful activity." To be approved for unemployment insurance, one must be "able to work and actively seeking work."

The definitions of Social Security Disability and Unemployment are mutually exclusive. If you could seek but not find work, you were not unable to perform any substantial gainful activity.

So you need to explain this situation further.

Posted: 14 Sep 2013 07:31 Post Subject: unemployment/ disability

I was hurt at work and after that i received workers comp checks for a while. When i was released to work I started receiving unemployment. While on unemployment I looked for jobs and did everything I needed to do. But while on unemployment I applied for disability and won. Now I will stop unemployment. Will I get in trouble with unemployment? After all i was able to work before disability deemed me disabled. By the way I live in MN and was receiving unemployment out of WI.
Any replys would be great!!

Posted: 16 Sep 2013 01:58 Post Subject:

If your disability benefit is retroactive to some point in time, you may need to repay UI benefits you received for the same time period. This is common, because if you were receiving disability benefits at the time, you would not have collected UI at all. Contact the state agency that paid your benefit and discuss the matter with them.

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