How long does it take for Social Security disability benefits to start?

Patrick J. Kiger and Andy Markowitz,

Updated December 31, 2025

AARP

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En español

Published April 30, 2021

/ Updated December 31, 2025

Social Security Disability Insurance (SSDI) payments begin after a five-month waiting period, which generally starts with the date your disability began. Your first payment will be for the sixth full month after that date.

For example, if Social Security decides that your disability began Jan. 15 in a given year, your initial payment will be for July of that year, and you'll get it in August, as Social Security pays benefits in the month after the month for which they're due.

The important thing to remember is that the date your disability began is not the same as the date your claim for SSDI was approved, or when you applied. Your onset date, as Social Security terms it, is the day you became unable to work due to your medical condition, and that could be days, weeks or even months before you filed for benefits.

In practice, this means that if your application is approved, you may not have to wait long for your payments to start.

In November 2025, Social Security's average processing time for a disability benefit application was 197 days, or about 6½ months. (That reflects claims for SSDI and Supplemental Security Income, or SSI, the other Social Security–administered benefit for people with disabilities.) Even if you filed your claim on the day you became disabled, the waiting period could be over by the time the claim is approved.

Let’s say you applied for SSDI in June 2025 due to chronic, worsening back pain. In December, Social Security grants your claim, determining from its review of medical and other evidence that May 15 is when your condition became severe enough to stop you from working. Your first payment would be for November 2025, and you’d have received it in December.

But what if Social Security concludes that you became disabled earlier — say, in March 2025? You would have theoretically been entitled to benefits in September 2025, but you could not have gotten them because your application had not been approved yet. In this case, Social Security can pay retroactive benefits for the months between the end of your waiting period and when your claim was approved.

In fact, Social Security can pay retroactive SSDI for up to 12 months prior to the date you filed your application, if it determines that you were qualified to receive benefits well before you applied.

Why a waiting period?

The five-month pause has been part of SSDI since the program began in the mid-1950s. The idea is to make sure applicants genuinely have a lasting disability, not a short-term illness or injury from which they might recover quickly, and to deter those who can work from applying. Congressional research has found that eliminating it would cost Social Security billions of dollars per year.

There are some exceptions to the waiting period. For example, a federal law passed in 2020 eliminated the wait if you suffer from amyotrophic lateral sclerosis (ALS). For example, if Social Security determines that your disability from ALS began in November, you would be entitled to a benefit for December.

You may also be able to skip the waiting period if you need to go back on disability after being off benefits for up to five years. If the reason your SSDI stopped is that you returned to work and exceeded Social Security's earnings limit for receiving disability benefits, you can ask for your benefits to be resumed right away through a process called expedited reinstatement. You can receive provisional benefits for up to six months while Social Security decides if you are entitled to SSDI again.

Keep in mind

The onset date is up to Social Security. You will be asked in your benefit application when you believe your disability began; your answer is the "alleged onset date." Social Security may accept your date, or choose another, depending on the evidence in your case. This final selection, the "established onset date," determines the starting point for the waiting period.
The 12-month maximum for retroactive benefits applies when you are successful on your initial application for SSDI. If you are rejected then but later win on appeal — a process that can take well over a year — Social Security can pay back benefits based on when you first applied, even if that's more than 12 months.

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Patrick J. Kiger is a contributing writer for AARP. He has written for a wide variety of publications, including the Los Angeles Times Magazine, GQ and Mother Jones, as well as the websites of the Discovery Channel and National Geographic.

Andy Markowitz is an AARP senior writer and editor covering Social Security and retirement. He is a former editor of the Prague Post and Baltimore City Paper.

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