If you are receiving Social Security Disability Insurance (SSDI) benefits, knowing when your payments will be deposited each month is crucial to financial planning. In this post, we will explain how the 2020 SSDI Payment Schedule works and when you can expect to be paid. For the 2020 SSI payment schedule, click here.
This Post will Cover:
- Electronic Delivery of Disability Payments
- How Social Security Payment Schedule Works
- 2020 Disability Payment Schedule
- Example of Monthly Disability Payment Calendar
- 2020 SSDI Payment Calendar by Month
Electronic Delivery of Disability Payments
As of March 1, 2013, Social Security stopped mailing paper checks. Beneficiaries are now required to receive their monthly payments electronically.
If you are still receiving paper check, the SSA will probably switch your payments to electronic delivery by signing you up for the Direct Express Debit card.
There are two ways you can receive your benefits electronically:
Direct deposit of your disability payment: This option deposits your payment into your bank account on the day you are paid.
You need a checking or savings account with a bank or credit union to use this option.
Direct Express Debit Card: If you do not sign up for direct deposit, your benefits will be paid to you via Direct Express debit card option.
The Direct Express debit card works anywhere Debit Mastercards are accepted.
You can also use your Direct Express debit card to make purchases and also get cash back at the grocery store or to purchase money orders at the post office.
How Social Security Payment Schedule Works
When you receive your Social Security Retirement Benefits (SS) or Disability Benefits (SSDI) depends on your birthday.
- If your birthday falls between the 1st and 10th of the month, you’ll receive SSDI benefits on the 2nd Wednesday of every month.
- If your birthday falls between the 11th and 20th of the month, your benefits will come on the 3rd Wednesday of every month.
- If your birthday falls between the 21st and the last day of the month, your payments will come on the 4th Wednesday of every month.
2020 SSDI Payment Schedule
Example of Monthly Disability Payment Calendar
To demonstrate how to Social Security Disability calendar works, we have selected the month of May to show you how to read the calendar above.
For May 2020:
- If your birth date falls on the 1st – 10th day of the month, Social Security disability benefits are paid on May 13th.
- If your birth date falls on the 11th – 20th day of the month, Social Security disability benefits are paid on May 20th.
- If your birth date falls on the 21st – 31st day of the month, Social Security disability benefits are paid on May 27th.
2020 SSDI Payment Calendar by Month
For your convenience, we have provided the 2020 Social Security Disability Calendar by month below.
|2020||SSI||SS & SSDI (Birthdate 1st – 10th)||SS & SSDI (Birthdate 11th- 20th)||SS & SSDI (Birthdate 21st – 31st)||Both SS/SSI|
SSDI Benefits FAQs
Here are the most frequently asked questions about the SSDI benefits when it comes to payments.
Can Social Security take away my SSDI benefits?
Yes, you can lose your disability benefits if your condition improves to the point that you no longer meet the SSA’s definition of “disabled.”
For your benefits to be taken away, the SSA must show there has been medical improvement related to your ability to work before they can cut your SSDI benefit payments.
Can I get unemployment benefits while waiting for SSDI benefits?
The issue with unemployment versus SSDI benefits is the difference in why someone receives these benefits.
When you receive SSDI, it means you are unable to do your past work or any other work.
However, unemployment benefits generally indicate you are ready, willing and able to work, but haven’t found employment yet.
Some administrative law judges (ALJs) look at your individual circumstances when determining the significance of your application for unemployment benefits and related efforts to obtain employment when determining if you qualify for SSDI.
You may put your SSDI application in danger if you have recently received unemployment benefits while at the same time applied for SSDI.
That is because your unemployment benefits mean you are saying you are willing and able to work.
Can you receive both SSI and SSDI at the same time?
Yes, it is possible to receive both SSI and SSDI simultaneously.
This situation is generally described as “concurrent benefits” and is only possible if you have already been approved for SSDI with low monthly benefits.
For SSI eligibility and income limit, click here.
What is the difference between SSI and SSDI?
The Social Security Administration (SSA) runs two different disability programs, Supplemental Security Insurance (SSI) and Social Security Disability Insurance (SSDI).
The SSI program is a financial need-based program for disabled individuals who haven’t earned enough work credits to qualify for SSDI.
The SSDI program pays disability benefits to eligible workers who have earned enough work credits based on taxable employment in the past 10 years.
The main difference between the two programs has to do with how long an individual has worked in the past 10 years.
Can I get additional benefits if I have children/dependents?
Children up to age 18 or who have not graduated from high school are entitled to benefits if a parent is deceased, retired or disabled.
Generally, dependent children of a disabled parent will receive about 50% of the disabled parent’s monthly benefit.
The 50% payment is divided equally among all eligible dependents.
2020 SSDI Payment Schedule Summary
If you have any questions about SSDI benefits, please ask us in the comments section below.
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