What is the SSDI Payment Schedule?

What is the SSDI Payment Schedule?

What is the SSDI Payment Schedule? 

Until 1997, Social Security benefits were paid on the 3rd of each month. That was true whether you were receiving retirement benefits or Social Security disability benefits (SSDI). Now, the date that your disability pay arrives depends on the type of benefit you receive and your birth date.  

The Social Security Administration (SSA) processes payments for several different programs. A disabled person may receive SSDI, Supplemental Security Income (SSI) or both. SSDI benefits are based on your work history, just like your Social Security retirement benefits. SSI is a needs-based program that is administered by the SSA but is funded separately. 

Here’s what you can expect if you are receiving SSDI, SSI or both.

SSDI Disability Payment Schedule

If you started receiving SSDI benefits after 1997, your birthday will determine the date you receive your payment. Under the current Social Security disability payment schedule, f your birthday falls between:

  • 1st-10th of a month, SSDI checks or direct deposit will arrive on the second Wednesday of every month.
  • 11th-20th of a month, SSDI checks or direct deposit will arrive on the third Wednesday of every month.
  • 21st-31st of a month, SSDI checks or direct deposit will arrive on the fourth Wednesday of every month. 

If you received benefits before 1997, your SSDI payment date will be on the third day of the month.  It does not matter what day your birthday falls on.  

SSI Payment Schedule

While SSDI payment dates are spread throughout the month based on your birth date, all SSI payments are made on the same date: the first day of the month. If you receive both SSI and SSDI, your payments will be made separately. 

How Does the SSA Treat Weekends and Holidays? 

Since most SSDI payment dates fall on Wednesdays, that payment schedule is generally not disrupted by federal holidays, and those dates obviously never fall on Saturday or Sunday. That’s not true for SSI payments, which are scheduled for the first of the month, nor for those SSDI payments that are made on the third day of the month. 

When the first or third day of the month falls on a Saturday, Sunday or holiday, those payments are made on the last regular business day before the scheduled payment date. When this happens, the recipient may get two SSI payments or SSDI payments in the same calendar month and then none in the subsequent month. For example, in 2025 SSI recipients will receive one payment on August 1 and another on August 29th. That’s because the 30th and 31s of August fall on Saturday and Sunday, and September 1 is Labor Day.

SSDI and SSI Combined Payments Schedule

If you receive SSDI and SSI payments together, you will receive your SSI payment on the first day of the month and your SSDI payment on the third of the month. 

How Long Does it Take to Receive SSDI Payments? 

How long it takes to receive your monthly benefits and back pay after you’ve been approved for SSDI benefits varies. Most recipients start getting benefits one to two months after approval, and back pay usually arrives during that same time frame. But, the SSA says it may take three to five months to receive back pay, and some claimants report receiving it within just a few weeks. 

If you apply for SSDI immediately upon becoming disabled and your claim is approved quickly, you may have to wait a little longer. That’s because there is a five month waiting period between onset of your disability and the time you become eligible for benefits. So, for example, if you become disabled in January and are approved for benefits in April, you’ll have to wait a few months for your benefits to kick in.

You won’t have to guess at this, though. Your SSDI award letter will include a “date of entitlement,” which is the first month you will be eligible to receive benefits. If you don’t start receiving benefits on schedule, you should contact the SSA for help.

How to Receive Your SSDI and SSI Payments

Social Security offers several ways to send your SSDI or SSI payments. 

For example: 

  • Direct Deposit, which is probably the safest way to receive your disability payments since they cannot be lost or stolen if deposited directly into your bank account. 
  • The Direct Express Card program, which credits money directly to a swipe-able card.

SSDI recipients can still receive their payments by mail.  It is better to receive payments through one of Social Security’s preferred methods to avoid the possibility of lost or stolen checks. Social Security asks that you not contact them about lost checks until the fourth day after the first of the month. SSI recipients must receive their funds electronically, using one of the two bulleted options above. 

Tax on Social Security Benefits

You may have to pay taxes on your Social Security benefit, depending on your income level. In 2025, SSDI income–like Social Security retirement income–is only taxable when the total of your other income plus 50% of your Social Security income exceeds a certain threshold. The applicable cut-offs are: 

  • $25,000 if your tax filing status is single, head of household, qualifying surviving spouse, or married filing separately and have lived apart from your spouse for the full year
  • $32,000 for married couples filing jointly
  • $0 for married couples filing separately who lived together at any point during the tax year

SSI income is not taxable.

Social Security doesn’t automatically withhold taxes, but does offer voluntary tax withholding from your benefit.  You can choose this option by completing Form W-4V.  There are specific percentages to choose from.  You can obtain the form from Social Security, request it from the IRS, or ask your representative for a copy. 

Generally, you would receive a refund when filing taxes the following year if you opted to voluntarily have taxes withheld and you overpaid.

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Can’t Work Due to Anxiety and Depression

Can’t Work Due to Anxiety and Depression

Can’t Work Due to Anxiety and Depression

Many people experience symptoms of anxiety and depression.  Anxiety is a feeling of worry, nervousness, or unease.  Depression is a mood disorder that causes a persistent feeling of sadness and loss of interest. 

You may qualify for SSDI disability benefits for depression or anxiety disorders.  However, you must show that your symptoms interfere with your ability to work.  You must also show that you can’t work due to anxiety and depression.

Depressive Disorders

Depression is a very common medical condition listed on Social Security disability applications. 

Depressive disorders can cause:

  • Fatigue,
  • Decreased energy levels,
  • Decreased motivation and loss of interest. 

Depression and Social Security’s Listings of Medical Impairments

Social Security has a listing of impairments, known as the “Blue Book.” Under the Blue Book, you may qualify for disability benefits if you meet specific conditions.   Social Security evaluates depressive disorders under listing 12.04.  Additionally, the listings include a list of symptoms.  It also includes a list of functional problems.  You must show that your symptoms meet these conditions to qualify for disability benefits for depression.  First, you must show at least five symptoms of depression to prove that you can’t work due to anxiety and depression.

Symptoms of depression can include:

  • Depressed mood, loss of interest, appetite, or sleep disturbances
  • Observable psychomotor agitation or retardation or decreased energy
  • Feelings of guilt or worthlessness
  • Difficulty concentrating or thinking
  • Thoughts of death or suicide

Second, in addition to having at least three of the above symptoms, you must also prove that your symptoms cause a significant problem in your functioning.  Generally, you must have an extreme limitation in at least one area or a marked limitation in at least two areas.  These areas of functioning include:

Depression:  Four areas of functioning

You must also prove that your symptoms cause a severe problem in your functioning.  Generally, you must have an extreme limitation in at least one area.  Alternatively, you can have a marked limitation in at least two areas. 

These areas of functioning include:

  • Understanding, remembering, or applying information (understanding instructions, learning new tasks, applying new knowledge to tasks, and using judgment in decisions)
  • Interacting with others (the ability to use socially appropriate behaviors)
  • Concentrating, persisting, or maintaining pace in performing tasks (staying focused and completing tasks)
  • Adapting or managing oneself (the ability to perform daily activities such as paying bills, cooking, shopping, dressing, and keeping good hygiene) 

Depression and the “C” criteria

Alternatively, you may also meet the listing another way.  

Under the 12.04C, you can show your depressive disorder has been:

  • Serious and ongoing for at least two years, and
  • You need a very structured environment, such as an intensive outpatient or partial hospitalization program, or
  • You cannot handle changes in your routine or environment

Anxiety Disorders

Anxiety disorders have many symptoms.  They include overwhelming feelings of panic and fear.  Additionally, symptoms include constant worry, irritability, insomnia, tiredness, difficulty focusing and constantly looking for threats.  Anxiety symptoms can also cause physical symptoms.  As a result, your anxiety may cause rapid heart rate, sweating, shaking, nausea, muscle tension, or difficulty breathing. 

Anxiety and Social Security’s listings Of Medical Impairments

Social Security looks at anxiety disorders under listing 12.06.  In order to qualify for disability benefits, you must have medical documentation that shows three or more anxiety symptoms.

Symptoms of Anxiety can be:

  • Restlessness, easily fatigued, or difficulty concentrating
  • Irritability, muscle tension, or problems sleeping

Anxiety:  Four Areas Of Functioning

Additionally, you must also prove that your symptoms cause a severe problem in your functioning.  They are the same areas of functioning that are evaluated for depression and include:

  • Understanding, remembering, or applying information (understanding instructions, learning new tasks, applying new knowledge to tasks, and using judgment in decisions)
  • Interacting with others (the ability to use socially appropriate behaviors)
  • Concentrating, persisting, or maintaining pace in performing tasks (staying focused and completing tasks)
  • Adapting or managing oneself (the ability to perform daily activities such as paying bills, cooking, shopping, dressing, and keeping good hygiene)

Anxiety and The “C” Criteria

On the other hand, you may also meet the criteria under the listing if your anxiety disorder has been:

  • Required to keep a highly structured setting to reduce your symptoms, such as an intensive outpatient or partial hospitalization program, or
  • Have minimal capacity to adapt to demands that are not already part of your daily life or changes to your environment

What if My Anxiety or Depression Does Not Meet a Listing?

Your depression or anxiety symptoms may not meet an SSD listing.  Fortunately, you may still qualify for Social Security disability benefits.  In this case, Social Security will consider your residual functional capacity (RFC).  Your RFC is what you can do even with your medical impairments.  Particularly, Social Security looks at how your depression or anxiety symptoms impact your ability to work. 

Specifically, they consider your ability to:

  • Carry out simple instructions
  • Make simple work-related decisions
  • Respond appropriately to supervision and co-workers and
  • Handle changes in a routine
  • Show up to work consistently, arrive on time, or leave early

What You Need For Your SSD Claim If You Can’t Work Due To Depression and Anxiety

It can be difficult to win disability benefits for depression or anxiety alone.  However, the right documentation can support your claim.  Therefore, you must see your doctor regularly.  Tell them about all of the symptoms you have on a daily basis.  Also, your disability advocate can explain the evidence you will need to prove you can’t work due to anxiety and depression.

Getting the Right Treatment for Depression and Anxiety

Social Security also looks at what kind of doctor is treating your anxiety and depression.  As a rule, it is best to receive treatment from a mental health professional.  Typically, these include a psychiatrist or psychologist.  You may need to see a specialist to help prove that you can’t work due to anxiety and depression.

RFC Forms If You Can’t Work Due to Anxiety and Depression

If you can’t Work Due to Anxiety and Depression your doctor may also complete a residual functional capacity (RFC) form.  An RFC form helps explain how your symptoms are impacting your functioning.  Even if you think your medical evidence is strong, an RFC can help clearly explain how severe your symptoms are.  Furthermore, it also helps to have your doctor’s opinion in the record.  Your disability advocate can provide you with these forms.  

Depression, Anxiety, and Physical Impairments

Social Security follows specific rules when making a decision.  They look at your age, education, and work background.  These medical-vocational guidelines are even more favorable when you have a physical condition in addition to depression or anxiety.  These are also known as the Grid Rules.  The rules make it easier to get your disability benefits the older you are. 

Example 1: Applying the Grid Rules If You Can’t Work Due to Anxiety and Depression

51 years old and worked as a cashier.  You have filed for disability due to osteoarthritis of your knees and anxiety.  Your osteoarthritis prevents you from standing for long periods.  Your anxiety symptoms make it hard for you to concentrate and be around crowds of people.  If Social Security found that you could do a seated job that only required simple, routine tasks, you would qualify for benefits under the grid rules. 

Example 2: Applying the Grid Rules if You Can’t Work Due to Anxiety and Depression

58 years old and worked previously as a medical receptionist for many years.  You have filed for disability due to bulging discs in your back, depression, and anxiety.  Your bulging discs would prevent you from performing physically demanding work and your depression and anxiety symptoms prevent you from doing the complex tasks of your previous job.  In this case, the grid rules would allow Social Security to award you disability benefits even if you could do other work. 

If you can’t Work Due to Anxiety and Depression or any other disability call Disability Help Group now to start your claim or appeal your denial. Feel free to call us at (800) 800-3332 or contact us here for a free consultation.

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TBI And C&P Exams For Disabled Veterans

TBI And C&P Exams For Disabled Veterans

TBI VA Disability Benefits

Unless there are special rules that apply, the VA will deny service connection for Traumatic  Brain Injury (TBI) unless the Veteran can prove a:

  1. Current diagnosis,
  2. In-service event, disease or injury, and
  3. Medical nexus between the first 2 elements.

Reason for TBI C&P Exam

It is the veteran’s burden to prove he deserves the VA benefits.  In certain circumstances, the VA must help the veteran meet his burden.  A compensation & pension (C&P) exam is one example of how the VA helps veterans develop evidence.  In a C&P exam, the VA asks a qualified professional to answer medical questions related to your claim.

When Should I Expect a TBI C&P Exam?

If you file a claim for a Traumatic  Brain Injury based on sudden head trauma during service, then you should expect the VA to schedule a C&P examination. 

A C&P exam can help VA answer the following medical questions:

  • Does the veteran have a confirmed diagnosis of a Traumatic  Brain Injury?
  • Is it at least as likely as not that the TBI was caused or aggravated during active duty service?
  • How severe are the residuals of the Traumatic  Brain Injury?

Who Can Conduct a TBI C&P Exam:

  • Neurologist,
  • Neurosurgeon,
  • Physiatrists, or
  • Psychiatrist.

Diagnosis of A Traumatic Brain Injury

A Traumatic brain injury occurs when a sudden trauma causes damage to the brain. According to the Department of Defense, more than 313,816 service members have sustained a Traumatic Brain Injury in training or combat.  Common causes of this kind of head trauma include blast-related concussion events resulting from training or combat.  A Traumatic Brain Injury is known as a signature injury of the Iraq and Afghanistan wars due to the frequency of IED attacks.  However, a simple fall down a 10-foot ladder could also damage the brain.

Always Document Your Injuries

If you cannot prove that your that your Traumatic Brain Injury is related to service, then the VA may assume that it happened after discharge.  For this reason, it is critical that service members document any and all head injuries.  Your case is much easier to win if head trauma is clearly documented in your service medical records.  In the absence of official records, statements from witnesses would be helpful. If you file a claim for Traumatic Brain Injury without a confirmed diagnosis, then VA may refer you for a C&P exam.

Medical Nexus for TBI

After a TBI C&P exam confirms a diagnosis, the next question is: what caused it?  Is it at least a 50/50 chance that the TBI was caused by in-service head trauma?  If your doctor’s answer is “Yes” and he provides a reasonable explanation, then you have your medical nexus.   If the doctor answers “No”, then you should consider a second opinion from a private doctor.

What Are Residuals Of A Traumatic Brain Injury?

Veterans with a Traumatic Brain Injury may experience problems long after the initial head trauma.  These problems are known as residuals.  During a TBI C&P exam, the doctor will determine which TBI residuals are present. 

Traumatic Brain Injury residuals are broken down into the following 10 categories:

  1. Memory, attention, concentration, and executive functions
  2. Judgment
  3. Social interaction
  4. Orientation
  5. Motor functions
  6. Visual-spatial orientation
  7. Subjective symptoms
  8. Neurobehavioral effects
  9. Ability to communicate
  10. Consciousness

TBI Rating, TBI C&P Exam

After the TBI C&P exam, the doctor will send a written report to the VA.  The report will include how severe your residuals are.  If the VA approves your claim, it will likely use this report to assign a percentage rating.  VA rates TBI residuals on a scale of 0, 1, 2, 3, or total.

  • 0 = 0% (normal functioning)
  • 1 = 10% (mild)
  • 2 = 40% (moderate)
  • 3 = 70% (severe)
  • Total = 100%

Every C&P exam involves the doctor asking questions of the veteran.  The doctor relies on the veteran to explain his symptoms, some of which may not be present or observable on the day of the exam.  Because memory deficits are common TBI residuals, a veteran should attend C&P exams with a spouse, family member, or friend who knows them well.  They can fill in the blanks if the veteran is unable to either remember or communicate certain residuals during the exam.

A Veterans Disability Advocate Can Help You!

Working with the VA as a disabled veteran can be frustrating. Our expert Veterans Disability Advocates are here to help you through your VA Disability benefits process. Call us today at 800-800-3332 or click here to get in touch with a disability expert NOW.

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How To Increase Your VA Disability Rating

How To Increase Your VA Disability Rating

How To Increase Your VA Disability Rating From 70% To 100%

If you currently have a 70% VA disability rating, you may already understand how VA ratings work.

A 100% VA disability rating is the maximum allowed by law and with some diligent work and, the help of a disability advocate the road to a 100% rating is accomplishable.

Single Disability Rated at 70%

If your 70% VA disability rating is for a single disability and you’re looking to raise it to 100%, your first step is to find the ratings criteria for that single disability you are rated for. 

The Schedule of Ratings contains the ratings criteria for all disabilities in various categories.  Each category contains groups of medical problems, each group contains a list of disabilities, and each disability has its own diagnostic code. 

Every diagnostic code specifies the symptoms required for various ratings.  For example, the 9411 code applies to post-traumatic stress disorder (PTSD).  VA rates PTSD –along with many other mental health conditions – under the General Rating Formula for Mental Disorders.  Depending on the symptoms, a veteran may receive either 0%, 10%, 30%, 50%, 70% or 100%.

Develop Medical Evidence to Increase Your VA Disability Rating

You must develop the evidence to match the criteria for a 100% rating. The rating criteria lays out what it takes to get a higher rating. 

For example, let’s say you have a 70% rating for PTSD. According to the Schedule, the only PTSD rating higher than 70% is 100%.  A 100% rating for PTSD is warranted when the veteran is totally impaired both occupationally and socially.

One or more of the following symptoms would yield a 100% VA disability rating:

  • Gross impairment in thought processes or
    communication
  • Persistent delusions or hallucinations; grossly
    inappropriate behavior
  • Persistent danger of hurting self or others
  • Intermittent inability to perform activities of
    daily living (including maintenance of minimal personal hygiene)
  • Disorientation to time or place
  • Memory loss for names of close relatives’ own
    occupation, or own name.

The Best Evidence To Increase Your Rating From 70% To 100%

To increase your VA disability Rating from 70% to 100% it is vital that you provide medical records to the VA that show your symptoms.

Not all doctors will provide records to show your symptoms. Fortunately, the VA provides rating tools such as Disability Benefits Questionnaires (DBQs) on their website. Doctors can check boxes off that apply to your symptoms and submit this form to the VA.

The DBQ forms apply to every kind of disability.  For example, the VA provides a DBQ for PTSD that simplifies rating decisions. If the symptoms noted in a DBQ satisfy the criteria for a higher rating, then VA will likely grant that rating. 

70% Combined Rating with Multiple Disabilities

If you have a 70% overall rating for a combination of conditions, then getting to 100% is much tougher.  This is mostly because of the VA Combined Ratings table.

VA Combined Ratings Table

The VA Combined Ratings table provides that, after individual conditions are separately rated, the disabilities are then all combined using a specific formula. See 38 C.F.R. § 4.25(b).  VA first considers the most disabling condition – that is, the one with the highest rating – then less disabling conditions in order of severity.  This method captures the residual efficiency of a veteran with more than one service-connected condition.  The purpose is to prevent an overall rating higher than 100%.

When the combined value ends in a number from 5 through 9, VA rounds up to the next highest multiple of 10.  If the combined value ends in 1 through 4, VA rounds down to the lower multiple of 10. Or, if the combined value ends in 0, then rounding is unnecessary.

To get higher ratings for each disability, follow these steps:

  • Read the specific rating criteria,
  • Ask your doctor whether you meet the criteria for higher ratings, and
  • Develop medical evidence to support your request for higher ratings.

Although, it is not as simple as getting an additional 30% rating.  This is because VA does not add your ratings; it combines them.

For example, a veteran with only PTSD at 50% and asthma at 30% has a combined value of 65%.  A 65% value rounds up to a 70% combined rating.  To get to 100% overall, this veteran must either (1) win a 100% rating for PTSD or asthma, or (2) win at least a 90% rating for an additional disability (or group of disabilities) rated at 90%.

Contact A Disability Advocate

If you have more questions about how to increase your VA disability rating from 70% to 100%, please reach out to us at (800) 800-3332 or contact us here.  We will provide a 100% free VA case review and are always happy to answer any questions you may have.

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Can I get 100% VA Disability for Sleep Apnea?

Can I get 100% VA Disability for Sleep Apnea?

Can I get 100% VA Disability for Sleep Apnea?

Sleep is required to function. Sleep Apnea is a condition where someone briefly and repeatedly stops and starts breathing. This can severely disrupt someone’s sleeping patterns affecting their mental, emotional, and physical health.

Service Connection

For the VA to assign a 100% rating for Sleep Apnea, the VA must first determine that the condition is related to service.

  1. Proof of a current diagnosis,
  2. Proof of an in-service event, disease, or injury, and
  3. Proof of a medical nexus between the first 2 elements.

VA Schedule of Rating

After the VA grants service connection, it must determine the correct rating.  To do so, VA consults the Schedule of Ratings.  The ratings should reflect how much that specific disability impairs your ability to work. 

Requirements Specific to Sleep Apnea

The Schedule of Ratings breaks down disabilities into different categories. Each category contains groups of medical problems.  For example, Sleep Apnea is found in the Respiratory System category.  Each group contains a list of disabilities, each with its own diagnostic code.  In turn, each diagnostic code specifies the symptoms required for various ratings.  For example, the 6847 code applies to Sleep Apnea.  See 38 C.F.R. § 4.97

  1. Chronic respiratory failure with carbon dioxide retention or cor pulmonale, or
  2. The condition requires a tracheostomy.

Chronic Respiratory Failure

Chronic respiratory failure usually happens when the airways that carry air to your lungs become narrow and damaged.  In other words, less oxygen gets in and less carbon dioxide goes out.  A tracheostomy is a surgically made hole in the front of your neck where a breathing tube is connected to your windpipe to help you breathe.  Naturally, a veteran with these extreme symptoms deserves a 100% VA rating for Sleep Apnea.

Medical Evidence

Only medical evidence can satisfy these requirements.  It is not enough for the veteran to say “I cannot work because of my sleep apnea.”  Fortunately, the VA provides rating tools such as Disability Benefits Questionnaires (“DBQs”) on their website.  Specifically, VA provides a Sleep Apnea DBQ that focuses on the symptoms described in the Schedule.  Veterans seeking a higher rating for sleep apnea should have their doctors complete the DBQ. The VA will likely grant the rating if the DBQ includes the criteria for a 100% rating for Sleep Apnea.

Disability Benefits Questionnaire

Watch out for Pyramiding

When seeking a 100% rating for Sleep Apnea, one must consider every rule and exception related to VA ratings.  Under the VA rating system, a veteran should be compensated for each service-connected disability.  However, there is one big exception.  VA cannot pay a veteran more than once for the same disability or same manifestation.  For example, Asthma and Sleep Apnea have nearly identical manifestations.  They both involve airway impairment, share symptoms such as daytime fatigue and are under the same category in the Schedule of Ratings.  A veteran who is service connected for both will only receive a rating for one of them.  In that circumstance, the VA must assign the higher of the 2 possible ratings.

How We Can Help

Many variables come into play when trying to get 100% VA disability for Sleep Apnea. The first step is to not give up. Our team of experts are here to support you the entire way through. Whether you are struggling to secure your VA disability or need help with your denied SSD claims, we’re only a phone call away. To learn more about how our team can help you call us today at (800) 800-3332 or contact us here now for a FREE consultation.

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