SSDI vs. Unemployment Benefits

SSDI is a federal program that provides monthly payments to people who are unable to work due to a disabling medical condition. To qualify, you must prove that you are unable to perform any substantial gainful activity (SGA).

Unemployment benefits, on the other hand, are available to people who are able and available to work, but who lost their job through no fault of their own.

This difference creates a potential conflict. By applying for unemployment, you are saying you’re ready to work. But by applying for SSDI, you're stating that you can't work due to disability.

Can You Legally Apply for Both?

Yes, it is legal to apply for both SSDI and unemployment in Kansas, but your applications must be consistent. If you're in a situation where you may be able to do some limited work but not substantial or full-time work, you’ll need to clearly explain that in your applications.

For example, if you were let go from a job and are only able to do certain tasks or work part-time due to your disability, this may be a valid basis for applying for both. However, doing so may lead to scrutiny from the Social Security Administration.

Risks and Considerations

Filing for both programs at the same time could raise a red flag during your SSDI review. The SSA might question whether your disability is severe enough if you’re also claiming to be able to work. This could delay your SSDI approval or even result in a denial.

If you're already approved for SSDI and start collecting unemployment, your case may be reviewed, especially if you report income that exceeds the SGA limit.

You should also be aware that Kansas may reduce your unemployment benefits if you're receiving SSDI, depending on the amounts and timing.