Individuals eligible for Social Security Disability Insurance, or SSDI, back pay get the funds in a lump sum without further action, unless they also have gotten approved for Supplemental Security Income, or SSI, in which case they may receive a lump sum or get installments, notes DisabilitySecrets. The time it takes to receive the back pay can be a few months, mentions AllLaw.
When individuals get approved for SSDI, the Social Security Administration (SSA) calculates how much money they're owed based on the date of disability when the individual could no longer work. Typically, individuals have to wait five months after becoming unable to work before the SSA pays past due benefits, and there is a maximum retroactive pay of 12 months, notes AllLaw. Recipients get their lump sum payments by default; however, they do need to take out money from the award for attorney's fees first.
Those who get approved for both SSDI and SSI do not get retroactive benefits for the SSI and usually receive their SSI awards in installments given every six months. However, a lump sum payment is possible in extenuating circumstances, such as the expected death of the recipient or loss of SSI eligibility, mentions AllLaw. People approved for both SSI and SSDI usually receive their payments in different months.