I was told after I applied for ssd I would receive retroactive pay from the day I applied & was approved for ssd.
When someone is approved for SSDI, their date of disability is called the Alleged Onset Date or AOD. Your past-due benefits start after the fifth full month after the AOD, usually. I say usually because benefits can only be paid for 12 months prior to the date of application so sometime your past-due benefits do not go all the way back because of late filing.
Examples: AOD is 5/5/11 and the person applied on 10/15/11. Benefits would actually start being paid or accrued in November of 2011.
AOD is 5/5/05 and the person applied on 10/15/11. Even though the claim was approved, 10/10 is the first actual payable month.
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My colleague is correct on all fronts. In addition, the first month that Social Security can pay you, assuming you applied within 12 months of your alleged onset date, is known as your Date of Entitlement. Your Date of Entitlement begins 5 full calendar months after the government has rendered you disabled.
In the event you are alleging that your disability began more than 12 months before your applied, the 5 month grace period starts from the date when Social Security renders you disabled. Remember, Social Security can only pay you up to 12 months before your application date.
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My colleagues are correct. The reason you are thinking 6 months is that the waiting period is 5 months AFTER the month you applied - or 6 months. The only exception is if you actually filed your claim on the 1st day o the month - then thata month also counts as one of the 5 months.
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