Most people treat Social Security Disability Insurance (SSDI) benefits as their last line of defense against financial hardship. They may try to continue working despite their medical challenges. Some people even attempt to transition to different careers when continuing in the same profession becomes to challenging based on their medical concerns.
Eventually, those with debilitating medical conditions may accept that SSDI benefits are necessary for their financial solvency. SSDI benefits can help those struggling with disabling medical conditions pay for basic necessities like rent or mortgage payments and groceries. Occasionally, applicants may qualify for backdated benefits where they receive a lump-sum for multiple months all at once.
When are backdated benefits an option for those who need SSDI?
There are two ways to obtain backdated benefits
The Social Security Administration (SSA) reviews every application thoroughly. That means there can be a significant amount of processing time involved, especially when there are challenges. If the SSA makes the mistake of denying the application of an individual who should qualify, then the applicant may need to appeal.
Appealing is one of the methods for obtaining backdated benefits. Applicants can receive benefits for the time spent waiting during the appeals process. Applicants can potentially receive benefits for the entire them they waited for their approval.
In cases where workers delayed their initial application despite qualifying, they could qualify for retroactive benefits. There is a five-month waiting period, but the SSA may pay up to 12 months’ worth of benefits at once at the time of an applicant’s approval in such cases.
Ideally, workers with qualifying medical conditions should apply as soon as they are eligible rather than trying to find other solutions. After all, it can be a hassle to seek backdated benefits based on being eligible before applying. Both those who delayed applying and those who have to appeal can potentially obtain lump-sum payments for multiple months of missed benefits all at once when the SSA finally approves their applications.
Learning more about the SSDI benefits program can help people get the support they need. Many workers require assistance with their initial application and with any special requests they must make, including appeals and requests for backdated benefits. Seeking legal guidance proactively can help.
