Everyone in the United States who works and pays taxes contributes to the Social Security disability benefits system. Unfortunately, it can be an uphill battle to actually obtain these benefits, especially when someone is too ill or too injured to work. It can be several months to nearly two years from the date a person files for disability relief until the money arrives in their bank account. One small glimmer of light is that if SSDI payments are approved, claimants can receive the funds they should have been paid during the arduous process. So, how many years does disability go back for back pay? The Social Security Administration will not pay a claimant more than 12 months of retroactive benefits. Let’s take a look at a few things you might need to know.
How is SSDI back pay determined?
Many factors, dates, and other information are compiled before a single dime will be paid out in Social Security disability benefits. People trying to get a handle on how much back pay they can expect to receive will need to consider the mandatory waiting period following what the Social Security Administration calls the established onset date (EOD). A claimant filing for disability will need to wait at least five complete months before benefits can be collected. For example, if the SSA determines a person’s EOD falls on the third day of the month, the five-month waiting period will begin on the first day of the following month and end on the last day of the following fifth month.
The Social Security Administration only pays claims, including SSDI lump sum back pay, via electronic direct deposit. People will need to open a savings or checking account to receive payments.
Understanding the confusing terms used by the SSA to determine disability eligibility is among the several reasons people choose to hire a disability attorney to help them through the challenging process. A person may receive a medical determination that they are too disabled to work, called the medical onset date (MOD). However, if the MOD comes before the EOD, nothing really changes the process or lessens the waiting period. Additionally, any mistakes a person filing a disability claim makes during the process could send them back to the beginning — costing them valuable time and money.
Nobody can deny how tough it can be to get through the SSDI claims process. Nobody needs to fight this battle on their own. Make an appointment with one of our caring and knowledgeable attorneys today.
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