If you’ve been approved for Social Security Disability Insurance (SSDI), understanding how back pay works can help you manage your expectations.
What is SSDI back pay?
SSDI back pay compensates you for the period between your disability onset date and the date of your claims approval. The SSA typically pays back pay in a lump sum, though the total amount depends on your specific situation. This amount is based on when your disability began and when you applied for benefits.
How does the SSA calculate back pay?
The SSA calculates your back pay based on your disability onset date, which is the day your condition prevented you from working. SSDI benefits are generally paid starting five months after your disability onset date. However, you will still receive back pay for the months after that, starting once the SSA approves your claim.
How long does it take to receive SSDI back pay?
After the SSA approves your SSDI claim, you should expect to receive your back pay within 60 to 90 days. However, delays are common, so it’s important to be patient. If the back pay amount is substantial, the SSA will pay it out in installments rather than as a lump sum.
Back pay for family members
In certain situations, family members such as children or spouses may be eligible for back pay if they qualify for auxiliary benefits. These payments will be included in your total back pay, depending on the circumstances of your case.
Having a solid understanding of Social Security Disability back pay rules can give you a clearer idea of what to expect and help you plan for the timing of your payments.