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 . 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.*
Also known as
Related terms
- ALJ Hearing
The third level of the SSDI/SSI appeals process, in which an independent judge reviews your disability claim and holds an in-person or video hearing where you can present testimony and new evidence.
- Back Pay
The retroactive disability benefits owed to an approved SSDI claimant, covering the period from the established onset date (minus the 5-month waiting period) through the month of approval.
- SSI
A federal needs-based program administered by the SSA that provides monthly cash payments to adults and children with disabilities or blindness, and to adults 65+, who have limited income and resources.
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Frequently asked questions about 5-Month Waiting Period
What is the 5-Month Waiting Period for SSDI?+
This is a mandatory time set by the Social Security Administration. After they approve your disability, you must wait five full months before your Social Security Disability Insurance (SSDI) payments begin. Your benefits will start in the sixth month after your disability was officially recognized.
Does everyone have to wait 5 months for SSDI?+
Almost everyone approved for Social Security Disability Insurance (SSDI) has this waiting period. There are a few rare exceptions, like if you're approved for benefits again within a certain timeframe for the same condition. But for most new approvals, the five-month wait applies.
How do I count the 5-month waiting period for SSDI?+
The waiting period starts from your "established onset date." This is the date the Social Security Administration decides your disability began. You count five full months from that date. Your first SSDI payment will then be for the sixth month.
Can I get money during the 5-month SSDI waiting period?+
During this time, you do not receive SSDI payments. Some people might use other short-term disability insurance or savings. If you also applied for Supplemental Security Income (SSI), those payments might begin sooner, as SSI does not have the same waiting period as SSDI.