The date you receive your disability payments depends on two things. First, the date depends on the type of disability benefit you receive. Second, it depends on your birthday. The date you receive benefits does not affect the amount of your benefits.
Types of disability benefits
Social Security offers two types of disability benefits. Social Security disability insurance benefits (SSDI) are available for people who have worked a certain number of years. Under SSDI, you need to earn enough work credits for eligibility. Supplemental Security Income (SSI) is a needs-based program. Therefore, your income, assets and resources determine your SSI eligibility.
SSDI disability payment schedule
For SSDI benefits, your birthday determines the date you receive your payments. Social Security follows three schedules to send your payment. Specifically,
- If your birthday is on the 1st-10th of a month, SSDI checks or direct deposit will arrive on the second Wednesday of every month.
- It is on the 11th-20th of a month, SSDI checks or direct deposit will arrive on the third Wednesday of every month.
- On the 21st-31st of a month, SSSDI checks or direct deposit will arrive on the fourth Wednesday of every month.
SSI disability payment schedule
Social Security pays SSI benefits on the first day of each month. It does not matter what day your birthday falls on. If the first of the month falls on a weekend or holiday, Social Security pays your benefits the day before.
SSDI and SSI combined disability payment schedule
Sometimes, you can receive both SSDI and SSI payments. You may have earned enough credits for SSDI. You may also meet the financial requirements for SSI. However, you must get approved medically for SSDI but receive low monthly payments to receive concurrent benefits. Social Security sends payments for both SSDI and SSI on the third day of the month.
How long does it take to receive my disability payments?
Generally, you may have to wait one to two months after approval before you receive your first payment. In some cases, it can take even longer to get your back payments. Back payments can be delayed depending on how much money you are owed in back pay. The more Social Security has to pay you in back pay, the longer it can take. There may also be delays if you received worker’s compensation benefits.
When should I contact Social Security for my disability payment?
Typically, Social Security asks that you wait at least 90 days before contacting them. For quicker results, your disability advocate should contact Social Security. Often, your disability advocate knows the best way to get your payments released. Additionally, they can help provide any additional information Social Security needs to process your payments.
How will Social Security send my disability payments?
Social Security offers several ways to send your SSDI or SSI payments. For example,
- Direct Deposit. This is probably the safest way to receive your payments since they cannot be lost or stolen if deposited directly into your bank account.
- The Direct Express Card program. Payments are credited directly to a swipe-able card. You can use this debit card anywhere Debit Mastercards are accepted.
- Electronic Transfer Account.
- SSDI recipients can still receive their payments by mail. However, you should choose to receive payments through one of Social Security’s preferred methods. That way, you avoid the possibility of lost or stolen checks. Social Security asks that you not contact them about lost checks until the fourth day after the first of the month.
How often does Social Security send my disability payments?
Social Security makes disability payments on a monthly basis. Disability payments are made on an accrual basis. This means that the payment you receive for one month represents the benefits owed for the previous month. For example, the payment you receive in February represents the total payment owed for January.
Do I have to pay taxes on my disability payments?
You may have to pay taxes on your Social Security benefit. It depends on your income level. Typically, disability benefits are not usually counted as taxable income. However, there could be some cases where you will end up having to pay taxes on these payments.
- Over $25,000 and less than $34,000 for an individual
- A combined income over $32,000 if married and filing jointly
Consequently, for higher income brackets, 85% of your benefits could be taxed, including:
- Over $34,000 if single
- Over $44,000 if married
Voluntary tax withholding for disability payments
Social Security offers voluntary tax withholding from your benefit. You can choose this option by completing Form W-4V. Social Security provides specific percentages to choose from. You can get the form from Social Security. Furthermore you can request the form from the IRS or ask your representative for a copy.
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