The Social Security Administration (SSA) operates several different benefit payment programs, each with different eligibility requirements and monthly payment amounts. The reason you received two checks this month could be for one of several reasons, depending on which programs you receive benefits from, and how long you have been receiving those benefits.
London Disability Law and Attorney Scott London wants everyone to understand all the details of their benefit claims and benefits. If you don’t know how the system works, or what you are entitled to, you won’t know what you might me missing. If you need help with any Social Security issue, contact London Disability Advocates today.
Possible Reasons for Multiple Social Security Payments
You Are Receiving Both SSD and SSI
The most common reason someone might be receiving two Social Security payments in a single month is that they are receiving both Social Security Disability Insurance (SSD or SSDI) benefits and Supplement Security Income (SSI) benefits.
Both the SSD and the SSI programs pay monthly benefits to disabled persons.
To be eligible to receive SSD benefits, the person must have worked for enough years to accumulate the required number of “work credits.” Employment history is significant for SSD because those benefits are primarily funded by employee payroll taxes.
The SSI program is a needs-based program that pays benefits to disabled people who have low income and very limited financial resources. Most SSI benefit recipients don’t qualify for SSD because they do not have a work history that meets the SSD program’s criteria.
But many SSI recipients also qualify for and receive SSD benefits.
If you are receiving both SSD and SSI benefits, your payments will often arrive on separate days.
For people receiving benefits from both the SSD and SSI programs, here’s how the SSA schedules monthly payments:
- 1). SSD payments arrive on the 3rd of the month, unless it falls on a weekend or holiday.
- 2). SSI payments arrive on the 1st of the month, unless it falls on a weekend or holiday.
- 3). Months in which payment dates fall on a weekend or holiday, the payments are made on the previous regular business day if possible.
You Recently Began Receiving SSD and Were Owed Back Benefit Payments
For people who are recently approved for SSD benefits and are just beginning to see payments arrive, the length of time between their first monthly benefit check and their “Established Onset Date” (EOD) determines whether and how much back benefits they are due. For example, if SSD determined that your EOD was 12 months before your first benefit payment arrived, you would be entitled to 7 months of back benefit payments. No back-benefits are earned until the 5-month waiting period has lapsed.
But your back-benefits payment will be sent separately from your monthly benefit payment. That is one reason why you may have received two payments this month.
You Are Receiving Both Social Security Retirement Benefits and SSI
Just as payments for SSD and SSI are made on different days each month, so too are Social Security Retirement benefits sent on a different schedule. As we mentioned in the previous section, SSI payments are usually scheduled to arrive on the first day of the month. But Social Security Retirement benefit payments are sent out each month on a date that is based on the day of the month on which you were born.
If you were born on the
- A). 1st to the 10th day of the month, your payment will arrive on the 2nd Wednesday of each month.
- B). 11th to the 20th day of the month, your payment will arrive on the 3rd Wednesday of the month.
- C). 21st to the 31st day of the month, your payment will arrive on the 4th Wednesday of the month.
Experienced Social Security Advocates at London Disability Will Help You
Our entire team of specially trained disability law advocates and Disability Law Attorney Scott London are dedicated to providing you with all of the information you need to learn what disability benefits you are eligible for and to make sure you receive dollar you deserve.
Disabilities are life altering afflictions, whether from injury or illness, the U.S. government has a program to provide financial support to you and your family if you meet the eligibility criteria. But finding out if you qualify or not is not a very simple process.
You may think you earn too much income to qualify for SSI benefits. But did you know that not all your income counts toward the “countable income” SSA considers? And you may think you have too many financial resources to qualify for SSD benefits. But did you know that SSD does not consider your available resources when determining your benefit eligibility?
Make sure you consult with trained Social Security Disability experts before you give up. You may be surprised what you qualify for.