If you are unable to work because of a medical condition, you may be eligible for Social Security Disability Insurance (SSDI). In many cases, claimants must wait a long time to hear back from the SSA (Social Security Administration) after applying. However, back pay can help make up for the wait. To find out more about back pay and how it's determined, read below.
What is Backpay?
Backpay is paid to SSDI claimants once their application is approved. It arrives in a much-needed lump sum payment and includes benefits covering many months all at once. Back pay begins to accumulate once you stop working. However, the date used can be a bit confusing.
Date of Last Insurance
The SSA refers to your last day of work as the date of last insurance (DLI). SSDI is not an entitlement but a benefit that accrues in your account over time as you work. Part of every paycheck is a deduction that is made to your SSA disability and retirement account. Some of those deductions go toward your monthly benefit payments. The SSA refers to this deduction as insurance.
When you fill out your SSDI application, an important part is a question about your last day of work. This date must not be estimated because it will be verified by the SSA. To be accurate, make contact with your last employer and confirm the last day of work.
When the Date is Wrong
Even though you might have remained on the job, you could have been suffering from a disability. Many workers continue to work and earn money even after they were diagnosed with an affliction. This is understandable for several reasons:
- Workers may believe their condition will improve or go away without them having to quit their job.
- Workers may worry that when they stop working, they won't be able to pay their bills.
- Workers are unaware that they must not be working when they apply for SSDI benefits.
If you became afflicted with your condition before you stopped working, you may be entitled to an adjusted DLI. That means the DLI might go back several additional months. When that occurs, you may be entitled to retroactive payments.
When You are Turned Down
Some workers are entitled to benefits but end up being denied them by the SSA. When that happens, turn to a Social Security lawyer. They can help not only get the SSDI benefits you deserve but also help you resolve issues with your DLI and more. Speak to a Social Security Disability attorney today.
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