The law has a strict provision known as the “80% Rule”. This rule essentially dictates that the benefits you are collecting from all disability programs combined cannot be more than 80% of what you were earning when you were working. So, the SSA applies this rule to determine offsets. They will consider what your monthly rate of disability benefits (or your lump sum settlement) from any worker’s compensation claims combined with any monies you are drawing from state disability, certain state pensions and possibly other disability programs to determine what your SSD benefit rate should be to not exceed that 80% cap.