SSDI or SSI ?
It can depend on what state you live in as to how WC settlements are managed.
Did the WC settlement include lifetime medical ?
I've heard that there is a way that WC settlements can be written so it is considered as they are paid out over a period of years, not income added to one year, that can help people keep SSDI coverage and MC. Unfortunately, I'm not sure how that works.
Did you use a lawyer for either your SSDI or WC claim ?
The more information that you can provide here, the more helpful it might be to our more knowledgable posters who might be able to help you.