What You Need to Know About Retroactive SSDI and SSI Benefits
There is no denying that applying for and gaining approval for Social Security Disability Insurance (SSDI) benefits is a lengthy process. Many applicants can find themselves out of work and waiting on their SSDI compensation for months after being disabled, and if your application requires an appeal the wait can stretch even longer.
The good news is that once your approval goes through, you are more than likely eligible for back payments or retroactive payments of your benefits for the time you spent out of work after you became disabled. The reasons and terminology for back payments versus retroactive payments is quite specific as per the Social Security Administration (SSA), and it is important to understand these distinctions.
Back payments are those monies which are paid by the SSA as if they were able to approve your application immediately after you submitted it. These payments are made from the date of your application forward to the current date, and they apply to both SSDI and Supplemental Security Income (SSI) benefits after your application is approved.
Retroactive payments are slightly different, and they are only applicable to SSDI compensation. These payments are calculated from the date you became disabled and were unable to work before you made your application to the SSA for SSDI. So rather than paying you from the date of your application onward, you are paid retroactively from the date you became disabled and unable to work through the date of your approval.
The reason retroactive payments are made on SSDI claims as opposed to other SSA claims is that all SSDI applicants must undergo a five month wait as a part of the application process in order to monitor the progress of your disability after you have been on a physician prescribed treatment plan for at least six months. You are entitled to compensation for that assigned waiting period, but it cannot be paid to you until you receive full approval of your disability from the SSA.
If you are in the process of applying for SSDI benefits as a result of a disability that does not permit you to work, you should contact the disability law firm of Liner Legal. Their experienced legal team can help you compose the strongest possible application for approval to the SSA, and should your claim be denied they are best equipped to help you prepare the best possible appeal. Call today for a consultation.
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