How Can I Get My SSI Back Pay Faster?


The Social Security Administration has realized that the Social Security Disability Insurance and Supplemental Security Income benefits have taken way too long to reach some of their claimants.

Because of this, they are now allowing both SSI and SSDI applicants a compensation payment in the form of back pay. The back pay is designed to help those who have been affected by the delays to their essential payments.

Depending on your state, the SSI back pay will be sent to you in either one lump payment or three installments spread out over 6 month intervals. 

This is great news for people who have been negatively affected by the long distance of time between SSI payments or SSI approval, but how do you get this back pay, and is there a way to speed along the process?

How Can I Get My SSI Back Pay?

To get this payment, you need to apply for the SSI or SSDI program first. Your back pay is then automatically calculated based on the date that you filed your disability claim and the date the Social Security Administration believes your disability began.

This time period is also known as the “established onset date.”

You don’t need to do anything to start this process, but you should tell the SSA when your disability began, so they can use that information to make their own judgment. 

How Can I Get My SSI Back Pay Faster?

You may have noticed when we mentioned before that your payment could come in installments or one payment. 

The installment option isn’t just based on the state you are in but also the amount that you are owed. If the back pay is more than 3 months’ worth of your monthly Supplemental Security Income, then you will have to receive the payment in installments too.

Some people who fall into this category won’t be caught up by the installments, as there are some exceptions to the rule.

– If you have been told and can confirm that your life expectancy is 12 months or less, you will be given your payment as a lump sum.
– The installments can be converted into a lump sum payment if you are no longer eligible for the Supplemental Security Income scheme. 
– The first two payments can become more significant if you prove that you need the payments for medical needs and necessities like food or rent.

If this is still too slow for you and you need your money faster, then you should contact the SSA.

When you speak with the Social Security Administration, they will ask you for proof of why you need this money faster, for example, an eviction notice, a debt collection notice, an essential medical payment, etc. 

You will also be asked how much you will need to cover this vital reason for the faster back pay.

They will then decide if you meet their requirements for a faster SSI back pay.

How Long Does It Take To Get Your Back Pay From SSI?

Before you ask for a faster back pay, you should know how long it takes on average first. 

For many people, it can take months or even years to get into the Social Security Disability system, but once you’re in, you should receive your back pay within 60 days of being approved. 

What Is The Maximum SSI Back Payment You Can Receive?

We are happy to inform you that there is no limit to how much you can receive in back pay. This is because of many reasons, but mostly if it has taken years for you to enter the system, you are owed those years back.

Even if the system takes its time to agree to SSI claimants, you will receive all that you are owed.

Am I Allowed To Save My SSI Payment?

You can save your SSI payment as long as the saving stays under your resource limit. 

For a single person ages 18 or over, your resource limit is $2,000.

For a married couple with one spouse on SSI, your resource limit is $3,000.

If both people in a married couple are on SSI, their resource limit is $3,000.

These spouse rules only apply if you live together.

For children, the amount is $2,000 per child.

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