The date that your disability check comes in can depend on the type of benefit you receive and your birthday. Social Security offers two types of disability benefits. Social Security Disability Insurance benefits (SSDI) are benefits available to individual who have worked a certain number of years. Supplemental Security Income (SSI) is a needs-based program. Therefore, your income, assets and resources determine your SSI eligibility.
SSDI Disability Payment Schedule
If you started receiving SSDI benefits after 1997, your birthday will determine the date you receive your payment. There are three schedules Social Security sends your SSDI check or direct deposit, 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.
- 11th-20th of a month, SSDI checks or direct deposit will arrive on the third Wednesday of every month.
- 21st-31st of a month, SSSDI checks or direct deposit will arrive on the fourth Wednesday of every month.
If you received benefits before 1997, your SSDI payment date will be on the third day of the month. It does not matter what day your birthday falls on. However, if the third is on a Saturday, Sunday, or legal holiday, your benefits will be paid on the banking day before.
SSDI and SSI Combined Payments Schedule
If you receive SSDI and SSI payments together, your payment schedule will be on the third day of the month.
Claimants typically have to wait one to two months after approval before seeing their first Social Security disability payment. In some cases, it can take even longer to receive your back payments. Back payments can be delayed depending on the amount of benefits you are entitled to receive or if you received worker’s compensation benefits.
You should contact Social Security if you have not received your benefits within 90 days of approval. Your representative can help you in any problem
How to Receive Your SSDI and SSI Payments
Social Security offers several ways to send your SSDI or SSI payments. For example,
- Direct Deposit, which 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, which credits money directly to a swipe-able card.
- Electronic Transfer Account.
- SSDI recipients can still receive their payments by mail. It is better to receive payments through one of Social Security’s preferred methods to 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.
Tax on Social Security Benefits
You may have to pay taxes on your Social Security benefit, depending on your income level. Typically, disability benefits are not usually counted as taxable income.
Social Security offers voluntary tax withholding from your benefit. You can choose this option by completing Form W-4V. There are specific percentages to choose from. You can obtain the form from Social Security, request it from the IRS or ask your representative for a copy.
Generally, you would receive a refund when filing taxes the following year if you opted to voluntarily have taxes withheld and you overpaid.
When applying for SSDI and SSI benefits, it is smart to consult a disability attorney. Particularly, the attorney can help you maximize the benefits you receive, appeal any denied claims and guide you through the entire Social Security disability process.
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