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What is the five-month waiting period?

If you have been approved for Social Security disability insurance (SSDI), you are likely struggling financially because you are unable to work. As a result, of your financial need, the last thing that you would like to hear about is any delay in receiving your benefits.

Unfortunately, approved applicants are subject to a five-month waiting period beginning on the date that they became disabled or the established onset date (EOD) of disability. This means that you must be disabled for five months after this date before you can start receiving SSDI benefits.

Congress established this waiting period to give those with short-term injuries time to recover, as well as discourage those that can work from applying for benefits. However, since the five-month wait period is generally shorter than the application approval process, it does not typically delay the start of your monthly payments.

There are exceptions to the five-month waiting period. These exceptions include:

· Those approved for Supplemental Security Income benefits are eligible for benefits on the first month after they apply for SSDI benefits.

· Applicants applying for benefits as the child of a disabled worker are not subject to the waiting period.

· Applicants that returned to work and stopped receiving benefits, but later became disabled again, are not subject to the waiting period. However, this only applies if it has not been more than five years since the EOD of the previous disability.

Since the SSDI application and approval process can be a long and complicated ordeal, it is important to have the assistance of an attorney to protect your best interests. The attorneys at the Law Offices of Katherine L. Niven & Associates, PC can help take the stress out of the process and give your application the greatest possibility of approval.


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