Understanding SSDI and Unemployment Benefits

SSDI provides financial assistance to people who are unable to work due to a qualifying disability. To receive SSDI, you must prove that you cannot perform substantial gainful activity (SGA) due to a medical condition that is expected to last at least 12 months or result in death.

Unemployment benefits, on the other hand, are intended for individuals who are ready, willing, and able to work—but have lost their job through no fault of their own.

Why Receiving Both Can Be Problematic

The fundamental issue lies in the contradiction between the two benefit programs:

• By applying for SSDI, you are saying you cannot work due to a disability.
• By applying for unemployment, you are saying you are actively seeking work and are available to work.

This contradiction can raise concerns with the SSA and potentially hurt your SSDI claim or result in a denial.

Are There Any Exceptions?

Yes. Some people may qualify for both under certain circumstances:

• If you are able to perform limited types of work (such as part-time or light duty) and your SSDI claim is based on your inability to return to past work, not all work.
• If your unemployment claim covers a period before your disability began, and there’s no overlap between the two benefit periods.

However, these cases are rare and often complicated.

What Happens if You Apply for Both?

If you apply for both SSDI and unemployment:

• The SSA may scrutinize your claim more closely
• You could be asked to explain the apparent contradiction in your applications
• Inconsistent claims may lead to denial or delays

It’s essential to provide clear documentation and legal justification if you pursue both types of benefits.