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Social Security Disability Back Pay: Understand & Maximize Your Benefits


As a Social Security Disability (SSD) attorney with over 30 years of experience practicing in New York State, I understand how overwhelming it can be to navigate the complexities of SSD benefits, especially when it comes to understanding Social Security Disability back pay. In this blog post, I'll share some tips for maximizing your SSD back pay and explain how my team can help you through this often-confusing process.

1. Understand the Different Types of Back Pay

There are two types of back pay you may be eligible for when receiving SSD benefits: retroactive benefits and backdated benefits. Retroactive benefits are awarded for the months between the date you became disabled and the date you applied for benefits, while backdated benefits are awarded for the months between your application date and your approval date. Knowing the difference between these types of back pay can help you better understand what you may be entitled to receive.

2. Ensure Your Disability Onset Date is Accurate

The date you became disabled, known as your Alleged Onset Date (AOD), is crucial in determining your eligibility for retroactive benefits. The Social Security Administration (SSA) will use medical records, work history, and other evidence to establish your Established Onset Date (EOD). If you believe your EOD is incorrect, it's essential to appeal the decision and provide additional evidence to support your claim. An accurate EOD can increase your retroactive benefits and help maximize your overall back pay.

3. Be Prepared for the Waiting Period

When applying for SSD benefits, there is a mandatory five-month waiting period before you can begin receiving payments. This waiting period is intended to ensure that only long-term disabilities are covered by SSD benefits. However, it's essential to be aware of this waiting period and plan for the potential financial strain it may cause. Keep in mind that back pay will not be awarded for this five-month period.

4. Stay Organized and Keep Detailed Records

Keeping detailed records of your medical appointments, treatments, and work history can be invaluable when applying for SSD benefits and seeking back pay. These records can help establish your disability onset date and provide evidence to support your claim. Additionally, staying organized and keeping track of your application status, correspondence with the SSA, and any deadlines can help ensure you're doing everything possible to maximize your back pay.

5. Consult with an Experienced SSD Attorney

Navigating the complexities of SSD benefits and back pay can be challenging, and having an experienced attorney on your side can make all the difference. Our team at Peter M. Cordovano P.C. has extensive experience in helping clients in Highland, NY, and the surrounding areas understand and maximize their Social Security Disability back pay. We can guide you through the process, ensuring you receive the benefits you're entitled to.

Understanding the intricacies of Social Security Disability back pay is crucial for those who are unable to work due to a disability. By following these tips and consulting with an experienced attorney such as myself, you can maximize your benefits and secure the financial assistance you need during this challenging time. Contact us today to discuss your case and learn how we can help you navigate the complexities of SSD back pay.

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