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When Will I Receive My SSDI Back Pay?

Published on March 22nd, 2021

To make a disability claim, you must have a condition that has lasted or is expected to last for a year or longer. And after applying for Social Security Disability Insurance (SSDI) benefits, it takes months to learn if your application was approved. All told, you may have to wait a year or more from your disability onset date before receiving SSDI benefits.

Recognizing this delay, the Social Security Administration (SSA) offers back pay as well as retroactive payments. Back pay covers the time between your application date and your first payment. Retroactive benefits cover a maximum of 12 months from your established onset date (EOD) through your application date.

However, there is a five-month waiting period from your disability onset date. This means that you only become eligible for SSDI benefits during the sixth full month after your EOD. Thus, in order to receive the full 12 months of retroactive benefits, your onset date must predate your application by 17 months (12 months of benefits plus the five-month waiting period).

Once you begin receiving benefits, it takes another one to two months to receive your SSDI back pay. At this point in time, you will receive a lump sum containing the full amount of your SSDI back pay and retroactive benefits.

Can You Get Both SSI and SSDI Back Pay?

Yes, you can get both SSI and SSDI back pay. Supplemental Security Income (SSI) and SSDI have the same medical requirements. However, only individuals with limited assets will be eligible for SSI.

Although SSI benefits will include back pay, the program does not offer retroactive benefits. As a result, you are only eligible for SSI payments from the month after your application date. In rare instances when the EOD is after the application date, benefits will begin on the EOD.

Unlike SSDI back pay, SSI back pay will not come as a lump sum unless the amount owed is less than $2,349. Otherwise, you will receive your back pay for SSI in three installments spread six months apart. The first two installments are limited to $2,349. The final installment will include the remaining balance, whatever that me be.

Because SSI is a needs based program, it considers all of an individual’s income and assets when determining how much to pay out. If you are eligible for concurrent benefits from both SSDI and SSI, the amount of your SSDI benefits will be subtracted from your SSI benefits.

Ensuring Your Receive Your SSDI Back Pay In Full

Applying for disability benefits is confusing. The additional complexity of back pay, retroactive benefits, and concurrent benefits makes them even more complex. Consulting a disability attorney is the best way to ensure your application is approved and that you receive your SSDI back pay promptly and in full.

The Law Offices of Jeffrey A. Rabin & Associates is home to some of the best disability lawyers in the Chicago area. We’ll help you every step of the way, from gathering evidence for your application to making sure you receive the benefits you deserve. Call us today at (847) 299-0008 for a free case evaluation.

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