SSDI back pay in Illinois is the lump sum of benefits you are owed for the time between when you became disabled and when your SSDI benefits were officially approved. The exact amount depends on several factors, including your established onset date (EOD), the date you applied, and the Social Security Administration’s (SSA) five-month waiting period rule.
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How SSDI Back Pay Works in Illinois
When you apply for SSDI, the SSA determines the date you became disabled — your EOD. Because SSDI has a five-month waiting period, you won’t receive payments for the first five full months after that date. However, once your application is approved, you’ll receive a lump sum for any months owed beyond that waiting period, going back as far as 12 months before your application date if you were eligible.
Factors That Affect Your Back Pay Amount
- Established Onset Date (EOD) – The earlier your disability onset date is set, the more months you could receive in back pay.
- Application Date – Benefits can only go back 12 months before your filing date, no matter how long you’ve been disabled.
- Approval Timeline – If your case took months or even years to process, your back pay could be significant.
- Monthly Benefit Amount – This is based on your past work history and earnings, which directly impacts your total back pay.
Example of SSDI Back Pay in Illinois
If your EOD is January 1, 2023, your five-month waiting period would end in June 2023. If your application is approved in June 2024, you’d be owed back pay for the months from June 2023 through June 2024 — all in one lump sum payment.
When and How Back Pay Is Paid
In Illinois, SSDI back pay is usually issued as a
single lump sum and is typically deposited directly into your bank account. In some cases involving large past-due benefits, the SSA may split payments, but most claimants receive it all at once shortly after approval.
How Hogan Smith Can Help
At Hogan Smith, we ensure your back pay calculation is accurate and that the SSA uses the correct onset date. If your onset date is wrong, you could lose months of benefits. We gather the right medical and work history evidence to support your earliest possible eligibility date, giving you the maximum back pay you deserve.
Contact Hogan Smith Today
If you’re applying for SSDI in Illinois or appealing a denial, contact Hogan Smith today for a free consultation. We’ll guide you through the process, fight for your benefits, and make sure your back pay is calculated fairly.
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