How Long Does it Take to Get Social Security Back Pay?
When will I get my SSI check? When will I get my SSDI check?
You’ve been approved to receive Social Security Insurance (SSI) or Social Security Disability Insurance (SSDI) and have been waiting and waiting for your first payment, including months of back pay.
When will your social security benefits arrive? Why the delay? Find out when you will get paid SSI or SSDI, why there is a delay, how to avoid additional delay, how you will be paid, and how to calculate the amount of back pay you are owed.
How Long is the Delay in Payment of SSI or SSDI Back Pay?
Most claims are paid within 90-120 days of approval of your application. And in general, smaller back payment claims are processed and paid more quickly than larger claims, which may require more than one signature to be processed and released to you.
Be sure to submit all information and documentation the Social Security Administration requests. If you do not, or you delay in providing the requested information or documentation, that will increase the delay in payment. For example, the SSA will want your household financial information, your banking information, and documentation of any income or other benefits, such as worker’s compensation, that could affect the amount of Social Security you receive.
When and How You Get Paid Depends on Whether You Applied for SSI or SSDI
Regardless of the type of Social Security benefits you apply for, there will be a delay in payment from the time your application is approved. SSI pays past due payments differently from SSDI.
First, SSDI pays retroactive benefits up to 12 months prior to filing your application if an applicant was disabled before applying, while SSI does not. SSI back payments are paid retroactively only to the application date.
Second, if you are owed a large sum in SSI back pay, it will likely be split into three installments paid to you in six-month intervals. The SSA usually pays SSDI back pay in one lump sum to you.
Third, there is a five-month waiting period after disability to be eligible for SSDI. There is no waiting period for SSI.
You Can Get Your Social Security Benefits Early if You Need It
You can get some of your SSI back pay faster in certain circumstances. If you are approved for SSI or SSI and SSDI both, and you find you need this money sooner than the SSA has scheduled it for release to you, contact the Social Security Administration (SSA) and ask that they release funds to you early. Be prepared to provide proof of why you need the money and what amount you need.
When Can I Get a Social Security Back Pay Lump Sum?
If you are eligible for SSI, you may also qualify for a lump-sum payment in the unfortunate event you are not expected to live longer than the next twelve months.
How to Calculate the Amount of SSI or SSDI Back Pay
You will receive what is called an “award letter” which will set forth the amount of your monthly SSI or SSDI benefit. It may be that you can simply figure out how many months you are owed and multiply the number of months by the amount of your benefit. However, for many people, there is an offset (subtraction) for income from employment or other money received, such as worker’s compensation benefits, and that may reduce the amount of back pay owed to you.
You can always speak to a representative at your local SSA office if you have questions about calculating the amount of back pay you should receive. If you are applying for social security benefits online, there is help available there too.
If you are approved for SSI, or a combination of SSI and SSDI, the rules are different. Social Security generally pays the back pay benefits for SSI or concurrent SSI and SSDI back pay in three installment payments that are separated by six months each.
What is My Social Security Disability Back Pay Status?
If you are wondering how to track your disability back pay, you can go online and log in to your account, or create an account, to find out. You can check your disability back pay at any time and find out when your SSDI back pay will be released online.
There is also a Social Security back pay phone number: 1-800-772-1213 (TTY 1-800-325-0778).
How Will My Workers Compensation Affect My Social Security Back Pay?
If you‘ve been injured at work and need to apply for worker’s comp benefits and SSDI benefits, call us. Your worker’s comp claim will affect the amount of SSDI you will receive, therefore the amount of SSDI back pay that will accrue. We can answer your questions about the effect of your worker’s comp benefits on your social security back pay. Call us to schedule your free consultation.