Will my disability pay go back to the day I became disabled?



Does disability back pay go back to when I became disabled?



 
If you are entitled to SSDI disability benefits, you will not receive disability benefits back to the day you became disabled. This is because there are a couple of things that could affect your back payment of disability benefits: date of filing and the five-month waiting period.

Let's begin with how your date of filing determines how far Social Security will back pay your disability benefits. Beginning with the date you file SSDI, you may be entitled to twelve months of retroactive disability benefits. If you became disabled three years prior to the date of filing you still would be entitled to a maximum of twelve months of retroactive benefits.

The second would be the mandatory SSDI five month waiting period that begins the month after the month you became disabled and ends months later. The twelve months of retroactive benefits can only begin after the waiting period has been served. Of course, this means you will never be paid for the five months.



The amount of your disability back payment depends on things other than just the date you became disabled. If you work up until the date you file for disability, there will be no retroactive benefits and you will have to wait the five-month prior to receiving your first disability monthly payment.

Another example might be that you have not been able to work for 10 months prior to filing for disability; therefore you would get five months of retroactive benefits. As you can see, the only way to even get the twelve months of retroactive benefits is for you to have been out of work at least seventeen months and that no matter how many months you have been disabled you will only receive twelve months of retroactive benefits.

In summary, SSDI disability back payments will never be paid back to the day a person became disabled. And, in fact, many disability applicants will be waiting for a future month to receive their disability pay.


About the Author: Tim Moore is a former Social Security Disability Examiner in North Carolina, has been interviewed by the NY Times and the LA Times on the disability system, and is an Accredited Disability Representative (ADR) in North Carolina. For assistance on a disability application or Appeal in NC, click here.







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