OK I'VE WON. WHEN DO I GET MY MONEY?

The process of getting a favorable decision on your Social Security disability claim has probably left mixed emotions in its wake.  On the  one hand you are excited and relieved to finally have the judge's decision; on the other, you are tired and stressed by the long ordeal.  And even with a favorable decision, it isn't over until the check for back payments arrive.


I have several clients who have been awarded back payments covering 18 to 24 months--which is quite a large sum of money.  How long does it take to get the money?  The answer is, usually 60 to 90 days after the decision.  I have seen money actually deposited in as little as 30 days, and I've seen it take 120 days.  But 60 days is probably closer to the average.  That's 60 days AFTER the judge's written decision comes in the mail.


In a successful Title 2 (disability) claim, there are usually two types of payments:  your regular monthly benefit which will arrive each month at a designated day each month, based on your date of birth.  Then, there will be any back pay to which you are entitled.  It will arrive as a one-time, lump sum payment, minus any fees withheld to pay your representative.  The US Treasury is now requiring all Social Security payments to be made by direct deposit to your bank account, unless you have obtained a special waiver.


Some common sense tips that will help get your money on time:

  1. Make certain the local Social Security office has your correct address.
  2. Be sure that Social Security has correct and updated bank account information.
  3. If it has been 60 days or more since notice of your award, call Social Security and inquire about your benefit payment.  (1-800-772-1213).

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