When You’ll Receive Your Back Pay
You should receive your SSDI or SSI back pay in a separate check or direct deposit one or two months following your approval. You may receive it before or after you receive your first monthly payment.
To learn more about disability back pay in general, see Disability Secret’s section on Social Security disability backpay.
Social Security Disability Benefits
If you have a medical condition that will put you off work for 12 months or longer but is expected to improve eventually, then you have a temporary disability. The benefits you may receive from the SSA would be temporary then too, lasting only as long as you meet the SSAs medical eligibility requirements. In other words, when your qualifying medical condition improves, your benefit eligibility will cease. In the mean time though, you could potentially get the support you need through the SSAs disability programs.
Should I Wait Until Full Retirement Age To Apply For Social Security
Receiving Social Security at age 62 means that you will receive a reduced payment compared with waiting for full retirement age. For those born in 1960 or later, the reduction is 30%, and all reductions are permanent. If you delay taking your benefits past full retirement age, then you receive an 8% increase for each full year that you do so, up until you reach 70, at which point the increases stop.
Every individual can calculate their own full retirement age based on their specific birthday, to consider locking in the maximum amount of Social Security benefits.
You May Like: How Much Will I Get In Social Security Benefits
Other Payments May Affect Your Disability Benefits
If you receive certain other government benefits, such as workers’ compensation, public disability benefits, or pensions based on work not covered by Social Security , the Social Security benefits payable to you and your family may be reduced.
For more information about how these benefits can affect your Social Security payments, please refer to the following publications:
If You’re Not Sure Why You Received A Payment
If you receive a check or direct deposit payment from the Treasury Department and do not know what its for, contact the regional financial center that issued it.
If you received a check, look for the RFCs city and state at the top center. Then contact that RFC to find out which federal agency authorized the payment. It will be one of these:
If you received payment byelectronic funds transfer , or direct deposit, follow the directions under Find Information About a Payment.
Use the Treasury Check Verification System to verify that the check is legitimate and issued by the government.
Read Also: Claiming Spouse Social Security
When Can You File For Social Security
The earliest when you can apply for Social Security benefits is at age 61 and nine months, and you can expect to receive your first payment four months laterthe month after your birthday. Typically, Social Security benefits are paid the month after they are due or must be specified. For example, the Social Security website states that an individual who wants their benefits to start in May will receive their first benefit check in June.
For example, if you turn 62 on Dec. 15, then your first full month of eligibility is January, and your payment for that month will arrive in February. If you have already reached age 62 and met all other eligibility criteria, then you may begin collecting benefits in the same month when you apply if you specify, although your first payment still would not arrive until the following month.
What Happens If The Adult Child Gets Married
If he or she receives benefits as a disabled “adult child,” the benefits generally end if he or she gets married. However, some marriages are considered protected.
The rules vary depending on the situation. Contact a Social Security representative at 1-800-772-1213 to find out if the benefits can continue.
To speed up the application process, complete an Adult Disability Report and have it available at the time of your appointment.
Don’t Miss: How Is Social Security Benefit Determined
What If I Can’t File For Disability Right Now
If you plan on filing for disability soon but can’t do it right away, you may want to get what’s called a “protective filing date.” Essentially, you let Social Security know that you’ll be filing a disability application in the next few weeks or months. When you file, the date on which you alerted Social Security that you intend to file becomes your effective application date for several purposes.
Also, the day you start a disability application online can act as a protective filing date even if you don’t finish the application for several weeks. But you do have to complete your online application within a certain amount of time and tell Social Security that you want to obtain a protective filing date. For more information, see our article on getting a protective filing date for Social Security.
Is Your Condition Severe
Your condition must significantly limit your ability to do basic work-related activities, such as lifting, standing, walking, sitting, or remembering for at least 12 months. If it does not, we will find that you are not disabled.
If your condition does interfere with basic work-related activities, we go to Step 3.
Can I Still Work While Receiving Disability Benefits
It is possible to work while receiving disability benefits without jeopardizing your eligibility to receive benefits. The key to working and continuing to receive your benefits is that you cannot perform “substantial gainful activity” , which means that you cannot earn more than a certain amount each month.
If you exceed that amount, you will no longer be eligible to receive disability benefits because you would be considered able to work with your condition.
There are some people who want to work even though they qualify for disability benefits. The SSA has programs to help them accomplish their work goals without jeopardizing their eligibility.
The Ticket to Work Program is a voluntary program for anyone who wants to work while receiving disability benefits, Medicare or Medicaid. The program provides opportunities for people to find jobs and earn additional money while preparing to return to the workforce.
The trial work period allows disability benefit beneficiaries to work on a trial basis .
The trial work period allows you to work and keep your benefits until you reach 9 non-consecutive months within a rolling 60-month period. So long as you do not have than 9 months of services, you will be eligible to work and keep your benefits.
How To Apply For Disability Online In 3 Easy Steps
Here is what you need to apply for disability benefits online:
Don’t Miss: Www Social Security
The Exception To The Rule
You may be able to get both benefits if you opted for early retirement before you received disability benefits. These are also known an concurrent benefits. This exception would be applicable in a situation where an individual retired early due to serious medical conditions. If that individual can prove that they developed the disability prior to receiving early retirement income, theyll be able to earn both benefits.
How Do I Apply For Nevada Disability Benefits
If you still think you may qualify for Nevada disability, you have three ways you can apply:
- Online through the portal at SSA.gov .
Another way of increasing your chances of a positive outcome is consulting with a disability attorney. Studies have shown that individuals with representation stand a better chance of success.
A skilled Social Security disability lawyer can help you navigate all these applications in a way that ups approval potential. And Social Security disability attorneys work on contingency, so they cost you nothing unless you win your claim. Plus, a Social Security lawyer can really help you navigate the complicated disability benefits system.
No, thats not like counting cards, but it might be stacking the decks in your favor. And in this case, we dont think theres anything wrong with that.
You May Like: Social Security When Can I Collect
Getting A Social Security Number For A New Baby
The easiest way to get a Social Security number for your child is at the hospital after they are born when you apply for your childs birth certificate. If you wait to apply for a number at a Social Security office, there may be delays while SSA verifies your childs birth certificate.
Your child will need their own Social Security number so you can:
- Claim your child as a dependent on your income tax return
- Open a bank account in their name
- Get medical coverage for them
- Apply for government services for them
Keep your Social Security card in a safe place to protect yourself from identity theft.
You May Qualify For Legal Assistance
The last thing you want if youve recently become disabled is for this process to take two years or longer, so its a good idea to speak with an experienced Social Security disability advocate or attorney before you start the application process. Not only will they be able to help you prepare, but they also know what to do in the event that your application gets denied during the first round. The faster the SSA reviews and approves your claim, the faster youll receive the benefits you need.
Ready to see if you may qualify? Click the button below to start your free online benefits evaluation now!
Don’t Miss: What Age Can I Draw Full Social Security
What Benefits Do I Apply For
While there are a variety of disability programs, most people are going to apply for Supplemental Security Income and Social Security Disability . If you fill out an application for SSI, Social Security considers that an application for all benefits you might be entitled to. This includes SSD. But, the opposite is not true. You can apply for SSD only and not SSI. A person might do this if he or she knows that he or she is not going to qualify for SSI. This is most commonly true for claimants who have too much income to qualify for SSI. If you have a pension, other disability income from the VA or private insurance, or even a spouse with a good-paying job, applying for SSI is likely to prove fruitless. Even if Social Security determines you are disabled, they will not pay you any benefits if your other income is too high. How much is too much depends on a variety of factors. You can examine the basic regulations on the Social Security website: SSI eligibility is simply too complicated to properly address in such a forum as this. If you have questions about it, please contact me.
Ssd Application Process: How Long Does It Take If Your Claims Denied
The SSD application process doesnt end if your first claims denied. Instead, you have 60 days from the day your denial letter arrives to file an appeal. However, where you live largely determines how long youll wait for an appeals hearing. See average appeals hearing wait times in your state or region here. Currently, the national average wait time for an appeals hearing is 11.8 months. In other words, youll wait at least 1.5 years from the date you apply if you win SSD benefits on appeal.
Applicants who miss the deadline to appeal must start the SSD application process all over again. Unfortunately, if you reapply immediately after receiving a denial, the SSA will automatically reject your next disability application. For this reason, you should always appeal instead of submitting another application! You must wait at least 12 months before you reapply to avoid automatic denial of your next disability claim.
Recommended Reading: How Much Ssi Will I Get When I Retire
What You Should Know Before You Apply For Disability
It can take Social Security a long time to make a decision on your claim, but you can help speed up the process by making sure you fill out the initial application correctly the first time. For more information, see our article on how to successfully complete the disability application.
Once you apply, Social Security will contact you to gather more information about your claim, so be prepared to answer any questions that Social Security may have. It’s very common for Social Security to ask for more details about your work history, medical conditions, and where you’re receiving medical care.
Social Security will send you many forms, including a release of authorization for Social Security to collect your medical records. Medical records are the evidence that Social Security uses to determine if you meet the rules to be eligible for disability, so it’s crucial that you return these forms as soon as possible.
Hiring a disability advocate or attorney can help you with this process. An advocate or attorney can help you complete the application at the right time and make sure Social Security gets all of the information the agency needs to make a decision on your claim. For more information, you may find the following articles helpful:
3 Things You Must Know About Social Security Disability Claims
Are you eligible?
Lost Or Stolen Federal Payments
Report your lost, missing, or stolen federal check to the agency that issued the payment. It’s usually one of these paying agencies. If your documentation indicates it’s a different agency, and you need its contact information, look in the A-Z Index of U.S. Government Departments and Agencies.
To get an update on your claim, contact the Treasury Department Philadelphia Financial Center at 1-855-868-0151, option 1.
Recommended Reading: Social Securitty
Inside The Social Security Disability Claim Review Approval Process
Getting your SSD benefits claim approved by the SSA is a lengthy process full of questions: What goes on behind the scenes during the Social Security disability claims approval process? How many people handle one application? How does the agency investigate a persons work history and confirm his or her medical condition? These are common questions many who are thinking about applying for SSD benefits ask themselves and their attorneys. Most people dont have an inside look at the claims approval process and may not realize a lot of work goes into examining each application.
The SSA has revised its disability approval process numerous times to make it more efficient and user-friendly to ensure all eligible applicants receive their needed payments. Understanding the internal process can help applicants gain a better picture of the SSD application timeline. Here are the basics of the process:
1. Application Handed Over to the State Disability Agency and a Disability Examiner
According to Tim Moore, a former disability examiner for the SSA, the first step in the long claims approval process is to send your Social Security disability benefits application to a state disability agency, which is also called Disability Determination Services .
2. Examiner Contacts Medical Personnel and Past Employers
3. Specialist May Ask You to Complete Daily Living Questionnaire
4. Examiner Makes Initial Claim Determination
5. Application Goes to the Office of Disability Adjudication and Review
Examples Of Using The Grid
Here are examples of when a person aged 55-59 can be approved based on the grids.
In one case, a 57-year-old woman applied for disability based her diabetes. She had a high school education but hadn’t worked for 25 years. The SSA determined that the claimant had the RFC to perform sedentary work only. The grids directed a finding of disabled and the claimant was approved.
- In another case, a 56-year-old man applied for disability because of mild emphysema. He had an 10th grade education and had worked his whole life as a waterman. The SSA found that despite his emphysema, he still had the RFC to do light work, but he had no transferable skills. The claimant was approved under the grids.
Here are some examples of when a person of “advanced age” would be found not disabled:
- In one case, a 55-year-old man filed for disability based on arthritis in both knees. He had a college education, and his past work was as a hotel manager. The SSA determined he had the RFC to perform sedentary work. The SSA also determined that the claimant had transferable skills, including the ability to manage groups and interact with customers. Given these factors, the grids directed a finding of not disabled.
- In another case, a 58-year-old man filed for disability based on hepatitis C. The claimant had a high school education and some college. The SSA determined that the claimant had the RFC to perform medium work. Because of his education level, the claimant was denied under the grids.
Read Also: Sociasl Security