5-Month Waiting Period
A mandatory waiting period imposed by the SSA before SSDI benefits begin. Benefits do not start until the 6th full month after the established onset date of disability.
This means even if approved, you do not receive SSDI for the first 5 months of disability.
The waiting period is waived for certain conditions (e.g., ALS, or amyotrophic lateral sclerosis).
SSI has no waiting period — benefits begin the first full month after the application date.
→ The waiting period affects back pay calculations: only months after month 5 are included in retroactive pay.
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Frequently asked questions about 5-Month Waiting Period
What is 5-Month Waiting Period?+
A mandatory waiting period imposed by the SSA before SSDI benefits begin. Benefits do not start until the 6th full month after the established onset date of disability. This means even if approved, you do not receive SSDI for the first 5 months of disability.
Who qualifies for 5-Month Waiting Period?+
Adults under full retirement age who have a qualifying medical condition expected to last 12+ months and who have earned enough recent work credits.
How do I apply for 5-Month Waiting Period?+
Apply online at ssa.gov, by phone at 1-800-772-1213, or in person at your local Social Security office. There's no cost to apply.
Where can I get help?+
Run the SSDI Filing Success Score to check your readiness, then the SSDI Benefit Estimator to size up your monthly payment. Local Social Security field offices can also help you apply at no cost.