When do i get ssdi back pay




















Since , the Social Security Administration required all recipients of SSDI benefits to receive their monthly disability payments via direct deposit into their bank accounts.

Most applicants receive their back pay within 60 days of having their claim approved. You could receive your back pay quite a bit sooner some claimants have had their back payments deposited within days of approval , but could potentially experience delays as well.

SSDI back payments are handled by processing centers that can be located in another state. These places handle process volumes of payments; administrative or technical glitches could delay payments until the problems are resolved. By law SSDI benefits have a five-month waiting period — they start the sixth full month after the onset date — so you're entitled to 10 months of past-due benefits. Social Security typically pays past-due SSDI in a lump sum within 60 days of the claim being approved.

If a lawyer or other professional advocate represented you in your disability case, the SSA will pay their fee out of your back pay. You also can receive back pay for delays in applying for Supplemental Security Income SSI , the other Social Security—run program that pays benefits to people with disabilities. In the case of SSI, you also must have very limited income and financial assets to qualify.

However, the rules are a bit different. With SSI, the start of payments is tied to your application date, not your onset date. Instead, it will come in three installments at six-month intervals. Like all Social Security benefits, a portion of disability back pay may be taxable if your overall income exceeds a certain level. But the formula is complicated, and you might want to use tax software or consult a tax professional if you choose to use lump-sum election.

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Once you confirm that subscription, you will regularly receive communications related to AARP volunteering. In the meantime, please feel free to search for ways to make a difference in your community at www. As stated above, the SSA will compensate you for up to one year prior to your application date. See below for more examples of how the 5 month waiting period can affect retroactive pay calculations. SSDI back pay, on the other hand, has no limit, at least in theory.

If it takes 10 years for the SSA to approve your application, but you are eventually approved, then you would be entitled to receive back pay for the ten years since your application date.

Hopefully you would not have to experience the frustration of actually having to wait 10 years to be approved for benefits. But the takeaway is that while waiting for your application to be approved can be a real challenge, you can take some comfort in the fact that you will, eventually, be paid all of the benefits to which you are entitled.

On January 1, you are in an accident which leaves you disabled. You are certain your disability will last for longer than 12 months. Therefore, you decide to apply for SSDI benefits right away, and your application is submitted on February 1. Your application is reviewed and the SSA agrees that your disability began on January 1. Your application is approved and you are set to receive benefits beginning December 1.

In the above example, your alleged date of onset AOD for your disability is January 1. Due to the 5 month waiting period, this means that your disability eligibility date is June 1. Therefore, the SSA has determined that you are entitled to benefits from June 1 forward.

That means that you are not entitled to receive retroactive pay. However, because your monthly payments are not set to begin until December 1 but you were eligible starting June 1, this means that you will be entitled to receive the payments you are owed from June to December as back pay. Same scenario as above: you become disabled on January 1. The SSA approves your application and agrees with your alleged disability date, and again your monthly payments are set to begin December 1.

Again, your eligibility date is June 1 due to the 5 month waiting period. However, this time, because your eligibility date June 1 falls before your application date August 1 , you will be entitled to retroactive pay from June-August. And since your payments are not set to begin until December, you would be entitled to back pay from August 1 to December 1.



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