Almost every applicant who is awarded Social Security disability insurance (SSDI) or Supplemental Security Income (SSI)benefits also gets past due disability benefits, which is also known as "disability backpay." The past due monthly payments go back to the date the applicant filed their disability application, and sometimes even earlier.
How far back you'll get disability backpay depends on whether you'll get SSDI or SSI benefits. Either way, though, the longer it takes Social Security to decide your claim, the more disability backpay you'll get.
The amount of your Social Security disability backpay will depend on three factors:
The first factor that determines how much disability backpay you'll get from Social Security (also known as the "Social Security Administration" or "SSA") is the date you apply for disability benefits.
Payment for the months following your application date. If you became disabled five months before your application date, you can get backpay going back to your application date. You'll receive back payments for the months between your application date and your approval date at your monthly benefit rate.
It can take Social Security anywhere from three months to about 24 months to approve you for benefits, which can mean a big backpay check. So, for instance, if you're approved 10 months after you apply, and your monthly SSDI payment will be $1,200, you'll receive $12,000 in backpay.
But, for SSDI, not everyone receives benefits going back to the date they apply. You'll receive past due benefits going back to your application date only if you were disabled before that date. That might sound strange, but it's because most SSDI recipients have a five-month waiting period before they can receive benefits (more on the waiting period below).
Payment for the months before your application date. In addition to back payments, you might be able to get "retroactive benefits" going back to the date you first became disabled, which is often many months before the application date. Most people don't stop working due to a disability and file for disability benefits on the same day. On average, it takes about 8 months for people to finally apply for disability benefits (6 months for those age 60 and older, 11 months for those under 48).
An SSDI claimant (applicant) can get up to 12 months of retroactive benefits (back to one year before the application date), but not everyone gets this amount. You can get retroactive pay for a year before the application date only if you became disabled long before your application date. How many months of retroactive benefits you can get depends on the date you became disabled.
The onset date of your disability—that is, when your disability began—is also when your SSDI waiting period begins.
When an SSDI claimant files an application for disability benefits, they indicate (on the application) when they think their disability began. This date is known as the "alleged onset date," or "AOD." But when Social Security approves a disability application, the agency gives the claimant an "established onset date," or "EOD." It's not always the same as the AOD.
The EOD is the date that Social Security has decided that a claimant's disability began for payment purposes. After looking at all the facts of the claim, a disability claims examiner or an administrative law judge (if the case went to a hearing) will set the EOD based on the claimant's medical records and work history. The EOD is often the date a claimant stopped working, but it can also be the date of an accident, or the date of a test that a doctor used to diagnose an illness.
Whether benefits will be payable back to the beginning of the 12-month retroactive period depends on how long ago your disability onset date was. Here's where the other twist in calculating the SSDI benefit start date comes in: the waiting period.
The third factor that affects when SSDI benefits begin (and how much backpay you'll get) is the five-month waiting period. Essentially, after Social Security assigns SSDI applicants an established onset date, the agency pauses the start of benefits for five months. (This rule doesn't apply to applicants with ALS, or Lou Gehrig's disease—they get paid starting on their EOD.)
If you apply for benefits soon after you become disabled and Social Security decides your claim right away, you might not get any backpay—you'd still be within the five-month waiting period when you get your approval letter. In that case, your monthly payments would just start at the end of your waiting period. (The first of the month after your waiting period ends is called your "date of entitlement," which is when the SSA starts owing you monthly benefits.)
But most people do get some retroactive pay because they waited many months to apply for benefits. For these applicants, the waiting period doesn't start after they apply, but earlier, right after the date their disability began. This date could be just a couple of months before or several months or years before the application date.
In addition, Social Security has a rule that the five-month waiting period can't start any earlier than 17 months before the application date, meaning that the farthest back benefits can be paid back is one year before the application date.
Combining all the rules and timelines here can actually get pretty complicated for SSDI recipients. It helps to look at a few examples to understand how the five-month waiting period affects backpay. Let's focus on some example situations where your disability onset date was today, one year ago, and two years ago.
Your disability begins this month. If you become disabled now and you apply for benefits today, Social Security won't owe you any retroactive benefits. The SSA will start your payments in the sixth full month after this month, to account for the five-month waiting period. For example, say today is January 20, 2023. Your benefits will start July 1, 2023 (your waiting period would be from February through June 2023). July 1, 2023 is your date of entitlement. When your SSDI benefits will actually begin is a different story; there's a good chance your claim won't be decided by your date of entitlement. So, even though Social Security won't owe you retroactive benefits, they're likely to owe you some past due payments. After the SSA makes a decision, you'll get backpay from your date of entitlement to the date of your first monthly payment. In this example, if Social Security decides your claim on January 1, 2024, you'll receive six months of backpay.
Your disability began a year ago. If you became disabled one year ago today and you apply today, Social Security will owe you some retroactive benefits. Your date of entitlement—the date Social Security starts owing you benefits—will be seven months ago (12 months minus the five-month waiting period). For example, if today is January 20, 2023, and you became disabled January 20, 2022, your DOE would be July 1, 2022. (Your waiting period would be February through June 2022). To get a full 12 months in backpay, your disability must have begun at least 17 months before you apply, due to the five-month waiting period.
Your disability began two years ago. If you became disabled two years ago today and you apply today, your DOE will be 12 months ago. For example, if today is January 20, 2023, and you became disabled January 20, 2022, your DOE would be January 20, 2022. (Your waiting period would be August through December of 2021). You do get a full year of retroactive pay in this case, but you can't get more than that. Again, Social Security doesn't allow your date of entitlement to be more than 12 months before your application date or your waiting period to be more than 17 months before your application date.
Calculating backpay for SSI is much simpler than Social Security backpay. SSI doesn't award retroactive payments, so SSI claimants can't get benefits for the months they were disabled before they applied. The only backpay SSI recipients receive is for the months during which the SSA was deciding their claim.
Here are the specifics.
The earliest you can receive past due SSI benefits is the first of the month after the month in which you filed your application. In other words, you'll receive a past due payment for the first full month after your application date, and every month until your approval date. For example, if you applied for SSI on August 15 and were approved on November 30, you'll receive past due benefits for the months of September, October, and November.
But if Social Security says your disability onset date is actually after the application date—which does happen—your benefits would start the first of the month after the month in which the SSA says you became disabled. For example, if you applied for SSI on August 15 but the SSA says you didn't become disabled until you stopped work altogether in November, your first payment would be December 1.
Sometimes people receive their backpay check before their regular monthly payments start, and sometimes they have to wait a few weeks for the backpay check. Social Security generally takes about three weeks to two months to start sending your regular monthly payments.
Read more about when you'll receive your back pay from Social Security.
All Social Security disability (SSDI) backpay is paid as one lump sum.
Social Security will pay SSI backpay in one lump-sum payment only if it's a small amount (under a couple thousand dollars). The SSA will split larger amounts of backpay into three payments, each six months apart. (Learn more about when and how SSI backpay is paid in installments, and the exceptions to the rule.)
Neither SSI backpay nor SSI monthly payments are taxed.
On the other hand, SSDI benefits are subject to tax, and so is SSDI backpay. Your lump-sum check for SSDI back payments will be taxable if your income is over a certain amount. And receiving a large amount of SSDI backpay at one time could potentially bump you into a higher tax bracket, spelling a sizeable tax bill.
Fortunately, the IRS won't penalize you for receiving what could be two years' worth of backpay all in one year. There's a way to file your taxes so that your back payments get separated into several years. For more information, read our article on how backpay is taxed.
Social Security sometimes lets your effective application date be earlier than the actual date you completed applying. This date could be the day when you first started an online application for benefits or the day you called the SSA and told them you wanted to apply for benefits. The earlier date is called a "protective filing date."
If you have a protective filing date that's earlier than the actual date you filed your disability application, you can get disability benefits going back to that date (as though it were your application date). Using a protective filing date can increase both SSDI backpay and SSI backpay. For more information, see our article on protective filing dates.
It can be difficult, but well worth it, to convince Social Security to use a protective filing date. But in some cases, you might need the help of a legal professional.
It's also sometimes possible, with the help of a lawyer, to get backpay going back to the date of a prior application. (For more information, read our article on getting backpay based on a prior disability application.)
Updated April 24, 2023