Applying for Social Security Disability Insurance (SSDI) can feel overwhelming—especially when you’re counting on those benefits to support your health and financial well-being. One of the most common (and frustrating) questions people have is: How long will it take to start receiving benefits?
The answer depends on several factors, including how complete your application is, whether your claim is approved on the first try, and how backed up the Social Security Administration (SSA) is at the time.
The timing will vary by regional office, but here’s what you can generally expect.
Step 1: The Initial Application Process (6-8 months)
Once you file your initial application, it typically takes six to eight months to get a decision. Unfortunately, the SSA denies most initial applications—often due to incomplete information or lack of medical documentation.
At this stage, your best chance of a faster approval is submitting a well-documented application that clearly shows how your condition prevents you from working. A disability law firm like ours can help with that, even before the appeal stage.
Step 2: Reconsideration (6-8 months)
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If your initial claim is denied, you can request a “reconsideration.” This review takes an additional six to eight months. Not much changes here—the SSA looks at the same evidence, so unless you submit new documentation or your condition has worsened, the result is often the same.
Step 3: Disability Hearing with an Administrative Law Judge (12–24 months)
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The longest wait typically comes before your hearing. In many regions, there’s a backlog that means it can take one to two years just to get in front of a judge. But there’s good news—this is where many people finally get approved. Legal representation can significantly increase your chances of success.
Step 4: Receiving Your Benefits
If you’re approved, your first benefit payment typically arrives about one to two months after the decision. You’ll also receive back pay from the time the SSA determined your disability began.
Why It Pays to Plan Ahead
Because of the long wait times, we always encourage people to apply as soon as possible once they are unable to work. The earlier you file—and the stronger your case—the sooner you’re likely to receive benefits.
And if you’ve already received an approval, congratulations. But don’t let that be the last time you think about your long-term legal needs.
What Happens After You’re Approved?
Once you’ve secured SSDI, your financial picture may change, especially as you transition toward retirement. Many of our clients find themselves needing help years later with issues like:
- Navigating Medicare coverage and appeals
- Estate planning and wills
- Applying for Medicaid for long-term care or nursing home support
- Veterans disability updates and secondary claims
- Keeping your benefits if the SSA reviews your case
Our firm is now expanding into elder law so we can better support your needs even after your case is closed. If your circumstances change—or if a loved one needs help—reach out. We’re still here for you.
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Call us at 800-562-9830
Or contact us online: DisabilityDenials.com
