SSI
Social Security Back Pay
Past due benefits (backpay) are not paid out in
every single case
However, back pay IS paid out in just about every
single disability case. This is true for this reason. Social Security
Disability cases, from start to finish, can take take up to three
years, or longer, to finish. During that time, the meter is running,
so to speak.
Social security back pay is exactly that. It's what
social security "owes you back" after your claim has finally been
approved. Back pay, of course, is a huge issue for social security
disability claimants since most claimants go months and even years
with no source of appreciable income.
How far back can social security disability back
pay go? The answer is not quite as clearcut as one might think.
One way to answer the question is to say that social security
disability benefits can be paid back to the date of application
and up to 12 months retroactive to this date. However...title
II (a.k.a. social security disability) benefits are subject to
something akin to an "elimination period" (a term that generally
applies to private disability policies---and, in fact, social
security disability is considered by the government to be a form
of insurance). In the case of SSD benefits, this is called the
five month waiting period, meaning that no matter when your disability
is considered to have begun, the social security administration
will essentially remove five months of your benefits from you
(it's worth noting that the five month waiting period does
not apply to SSI disability claims). Under the most favorable
conditions, an ssi claimant can receive benefits payable from
the date of their ssi application. A social security disability
claimant, on the other hand, can receive benefits payable from
the date of their application, as well as up to twelve months
prior to the date of application
In the prior paragraph, the phrase "when your disability
is considered to have begun" was used, because though a claimant
may potentially receive social security backpay back to the date
of application (and even 12 months prior to the date of application),
whether or not a claimant actually receives benefits from this
far back will depend on the claimant's established onset date.
The EOD, or established onset date, is the date
that a claimant's disability is determined to have begun, based
on the claimant's medical records. In many cases, a claimant's
medical records will establish an onset date that is fully favorable
in relation to the date that was claimed on the disability application.
But this is not always the case.
Back pay can seem to be a fairly complex issue,
depending on a number of factors such as when a claimant's disability
onset date is determined and when the claimant applied for disability.
And adding to the complexity is the fact that claimants who are
approved for disability benefits and who filed prior disability
applications (meaning prior to the application they were actually
approved for) can sometimes, if the medical record warrants, have
their prior cases reopened for the purpose of receiving a larger
backpayment. And this is certainly the type of instance in which
having qualified representation can make a definable difference
in the benefit-award outcome of a case. Because an experienced
representative will typically attempt to establish the earliest
and most favorable onset date for a social security disability
claimant.
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