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.
Call Now for a Free Case Review, (800) 800-3332
Make sure you start your claim the right way and apply for all the benefits you deserve. Contact us here to receive a FREE consultation.
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.
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.
Related Articles to Can’t Work Due to Anxiety and Depression
If you’re applying for or considering applying for Social Security disability (SSD) benefits, you’ve probably heard that denial rates are high. You may also know that if you appeal, you can wait a long time for a hearing. What you may not know is that both approval rates and the wait time for an appeal hearing differ based on geography. In other words, the chances of an initial SSD claim being approved are higher in some states than others.
In 2024, approval rates for initial claims for SSD only ranged from 34.8% in the state with the lowest approval rate to 57.4%. Just five states had initial SSD approval rates higher than 50%:
New Hampshire – 57.4%
North Dakota – 56%
Vermont – 54%
Nebraska – 52.7%
Rhode Island – 51.5%
Most states had initial SSD application approval rates of between 40% and 50%. But, a handful of states had rates below 50%, including:
Oklahoma – 39.7%
Florida – 39.6%
Georgia – 39.4%
Nevada – 38.8%
Tennessee – 38.3%
Arizona – 34.8%
Why are State SSD Approval Rates So Different?
There are several factors that may play a role in the SSD approval rate in a given state. It’s also worth noting that state populations vary significantly, meaning that the sample sizes are much different. For example, in Alaska, 313 initial SSD-only claims were decided in Q1 of 2024. During the same time period, more than 16,000 such claims were decided in California.
Outcomes in a given state may be affected by variables such as:
How strictly applications are assessed by the team responsible for a particular location
Access to quality medical care in the area, which in turn impacts the applicant’s ability to assemble solid medical documentation
The average age of the population, since older claimants are more likely to be approved
The availability of quality assistance with the application process
While it may be useful to know what to expect in terms of the likelihood of approval at the initial application stage in your state, it’s more important to focus on the factors that are within your control.
While most disabled workers aren’t in a position to relocate to a more favorable state to improve their odds of SSD approval, you can:
Reliably see your doctor and any necessary specialists, ensuring that you’ve established a thorough record of your condition
Follow through with testing and treatment recommendations
Assemble a complete, effective application with the right type of documentation
Know when to get help
An Experienced Disability Benefits Advocate Can Help
The SSD application process can be daunting. In the vast majority of states, more than half of initial applications are denied. You can’t afford to make mistakes or omit important supporting evidence. Fortunately, you don’t have to sort it out alone. To learn more about how our experienced disability benefits advocates can help, call 800-800-3332 right now, or fill out our contact form here.
If Someone Getting SSD Dies, Can I Get Their Benefits?
Not exactly. Social Security disability benefits (SSD) are for the disabled worker, and those benefits terminate when the recipient passes away. But that doesn’t necessarily mean dependents are on their own. Here are some benefits that may be available to surviving family members when an SSD recipient passes away.
Social Security Death Benefit
The Social Security Administration (SSA) pays a one-time, lump-sum death benefit when a recipient of either SSD or Social Security retirement benefits passes away. This is a small payment. In 2023, it’s $255. This benefit is payable to the surviving spouse if there is one. If not, the benefit may be paid to a child of the deceased.
Survivor’s Benefits
Some dependents of a deceased SSD recipient can receive survivor’s benefits.
These family members may qualify for benefits on the deceased’s work record:
A surviving spouse aged 60 or older
A surviving spouse of any age who is caring for a child of the deceased who is under the age of 16
A surviving spouse of any age who is caring for a child of the deceased who is disabled
A surviving spouse aged 50 or older who became disabled during the SSD recipient’s life or within seven years of their death.
An unmarried child of the deceased who is under the age of 18, or up to age 19 and two months if they are a full-time student in elementary or secondary school
An adult child with a disability that began before age 22
In some circumstances, others may be able to receive survivor’s benefits.
These include:
A former spouse who was married to the SSD recipient for at least 10 years and who has not remarried or who remarried after age 60
A former spouse who is caring for a child of the deceased who is under the age of 16 or disabled and is receiving child’s benefits, regardless of the length of the marriage
Parents of the deceased who are at least 62 years of age, if they received at least half of their support from the deceased SSD recipient
The amount of survivor’s benefits that a family member receives will depend on both the deceased’s work record and the number of family members receiving benefits.
An Experienced Disability Benefits Attorney Can Help
Applying for Social Security survivor benefits can be complicated. If you’ve been denied survivor benefits, don’t believe you are receiving the right amount, or just aren’t sure how to find out whether you qualify, we’re here to help. Call us today at (800) 800-3332 or fill out our contact us here now for a FREE consultation.
Best Tips When Appealing Your Denied Disability Claim
Social Security disability (SSDI) benefits serve as an important safety net for U.S. workers who become disabled before retirement age. Unfortunately, most claims for Social Security disability benefits are initially denied. In other words, when you file for SSDI benefits, you should be prepared to have to work your way through the process. That means:
If your claim is still denied after reconsideration, request a hearing before an administrative law judge (ALJ), which will offer you the opportunity to share additional information and present witnesses
If your claim is denied after the ALJ hearing, request a review of the hearing decision–however, the Appeals Council gets to decide whether or not to review your case
If your claim is denied by the Appeals Council or they opt not to consider your case, file a lawsuit in federal court
Of course, each stage means additional time. So, you’ll want to make sure that you set yourself up for the greatest chance of success at every stage. Ideally, that means working with an experienced disability benefits advocate to put together your original claim or to help with whatever stage of the appeals process you’re undertaking.
Increasing Your Chances of Winning in the Appeals Process After You’ve Been Denied
The very first step toward successfully appealing your SSDI denial is understanding the reason for your denial. Carefully review your denial letter, and consider contacting your local Social Security Administration (SSA) for more information or getting help from an experienced advocate.
It’s also very important that you meet the deadline for requesting reconsideration or appealing the decision. If you miss the deadline, you can reapply, but you will set your claim back by several months and may lose out on some benefits if you have to start over.
Regardless of whether you are submitting a request for reconsideration or appearing before an ALJ, you’ll want to supplement the record in any way you can. That may mean updated medical records, the results of testing you’ve undergone since you submitted your application, witnesses who observe your daily life, or other evidence that helps show you are disabled.
An Experienced Disability Benefits Advocate Can Help With Your Denied Claim
Perhaps the most important tip is to get the help you need. Part of increasing your chances of success in the SSDI appeals process is understanding what the SSA is looking for and how best to present that evidence. Our disability benefits advocates have extensive experience with Social Security disability claims and appeals and can help you put forth the strongest case possible.
To learn more about how we can help, call 800-800-3332 or contact us here for a FREE consultation.
Social Security disability benefits can provide stable income for a worker who is no longer able to work due to medical disability. But, not everyone who suffers from a medical condition is eligible for SSD benefits. If you are considering applying for SSD, or you have been denied Social Security disability benefits, it’s important to understand what is required to successfully establish your claim.
The Social Security Administration (SSA) considers different types of evidence to determine your eligibility.
Types of Evidence to Support Your SSD Application
Technical Eligibility
Most of the evidence considered by the SSA relates to your medical condition and your ability or inability to earn a living. However, there is a threshold issue. To qualify for Social Security disability benefits, you must have accumulated a sufficient number of work credits. Usually, you won’t need to submit evidence regarding work credits, because the SSA has access to your qualifying work history. However, mistakes occasionally happen. You’ll want to verify that your work credits are accurate, and, if necessary, submit evidence to correct the record.
Evidence of Disability
For most SSD applicants, the most significant evidence of disability will come from medical providers. This may include doctor’s notes, test results, and other medical documentation. But, reports from your doctors aren’t the only type of evidence that can help support your claim for disability.
Another common type of evidence the SSA considers is information provided by other people in your life, such as friends, family members, and others who have had the opportunity to observe how your medical condition has impacted your ability to carry on daily activities.
Inability to Engage in Substantial Gainful Activity (SGA)
To qualify for Social Security disability benefits, you must demonstrate that you are unable to engage in substantial gainful activity due to your medical condition or combination of conditions. To make that determination, the SSA will need information about the types of work you have done in the past, your educational level, your age, and other information that will help them determine whether you can perform work of the type you did in the past or adapt to new work.
Assembling Evidence for Your SSD Claim
Putting together a strong application for Social Security disability benefits requires an understanding of exactly what the SSA is looking for and how they use that information. Our disability benefits advocates have extensive experience with SSD claims and appeals and can help you submit the strongest application possible.
To learn more about how Disability Help Group can help, call (800) 800-3332 right now, or contact us here for a FREE case evaluation.
