What are Retroactive Social Security Disability Benefits?

Social Security Disability Insurance (SSDI) benefits are designed to provide financial support to people who cannot work on a full-time basis due to a medical issue. SSDI benefits are a much needed financial lifeline—but the application process can take time. Retroactive benefits help to ensure that beneficiaries actually receive the full amount they are owed. Here, our Monroe Social Security disability attorney provides a guide to retroactive SSDI benefits in North Carolina.

Retroactive SSDI Benefits: Know the Basics

Retroactive Social Security Disability Insurance (SSDI) benefits are payments made to qualified individuals for a period before their application approval date. These benefits acknowledge the time elapsed during the lengthy application process. Eligibility for retroactive benefits hinges on proving that the disability began prior to the application date. In other words, if you were disabled before your application date, you may be able to obtain some form of retroactive SSDI.

Understanding Retroactive SSDI Calculations

The calculation of retroactive SSDI benefits involves a detailed review of the applicant’s disability onset date and the date of application. Once again, these benefits are only available for a limited number of months when certain criteria are met. The amount received is based on the applicant’s work history and earnings record, similar to regular SSDI payments. It is crucial that all of the proper financial information is submitted to the SSA to ensure that you are in the best position to receive the maximum amount of total SSDI benefits.

Are there Limits for Retroactive SSDI Benefits?

Yes, there are specific limits governing retroactive SSDI benefits. Primarily, these benefits are capped at 12 months prior to the application date. Moreover, this is contingent upon the disability having commenced at least 17 months before applying, factoring in the five-month waiting period post-disability onset. Be proactive: As soon as you are eligible to apply for SSDI benefits, you should be sure to submit your application. A North Carolina Social Security disability lawyer can help.

How are Retroactive SSDI Benefits Paid Out?

It depends. Though, most often, these benefits will be paid all at once. As explained by the Substance Abuse and Mental Health Services Administration (SAMHSA), “retroactive SSDI benefits are generally paid to an SSDI beneficiary in one lump sum payment.” Put another way, when your retroactive benefits are approved, you will get a larger SSDI check that month. Your standard monthly SSDI benefits will still be paid in the ordinary manner during the month that you get the retroactive SSDI benefits that you are entitled to under the law.

Speak to Our Monroe, NC Social Security Disability Lawyer Today

At Plyler, Long & Corigliano, LLP, our Monroe Social Security disability attorneys are compassionate advocates for clients. Have questions about retroactive SSDI benefits? We are here to help. Give us a phone call now or connect with us online for a fully confidential initial appointment. With an office in Monroe, we provide SSDI representation in Union County and throughout the region, including in Waxhaw, Weddington, Indian Trail, Wesley Chapel, and Unionville.