How long does it take to get a disability check after approval?

After I am approved, how long will it take to get my disability check?

There are many factors that can affect the amount of time it takes to pay benefits after you have been approved for disability. Below are some things that can affect how long it takes to get a disability check after approval.


Five month-waiting period: This period begins with month after you filed your disability claim and lasts five full months. No benefits are paid for this period of time. If you stopped work on 01/15/2024 and filed for disability, you would not become eligible for a check until 07/24.

On the other hand, if you had been out of work for some months prior to 01/15/2024, you may be able to receive your disability check sooner because Social Security will consider the months you have been unable work to satisfy the five-month waiting period.

Complex issues: If you are receiving workman's compensation, are entitled on another record, or entitled to a non covered pension based on work for an employer not in the Social Security system, you may experience a longer wait time for your disability check. All of these issues require that a claims specialist manually process your claim.


Pre-Effectuation Review Conference (PERC): Social Security requires an interview with you to evaluate your continued eligibility for this need based disability program. You will be required to provide information about your income and resources. If you are employed you will have to provide check stubs or other information to verify how much you are earning.

If you pay rent or a mortgage you may have to show verification of the amounts. If you live with someone, you will have to provide information with regard to the expenses of the household and who lives there. This information will be used to determine your living arrangement.

Evaluation of resources such as insurance policies, vehicles, and bank accounts require verification. Very often you are responsible for getting the necessary proofs.

The SSI claims specialist cannot put your claim into pay until they have all the necessary proofs and verifications.

In summary, there is no set length of time to get a disability check. Each disability claim involves it own unique set of factors and those factors determine how long it will takes to get a disability check.

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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