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What Should I Do If My SSDI Check Is Late?

Last updated: April 8, 2023

You will receive a monthly disability payment if you are eligible for SSDI benefits. There is no longer a need for the Social Security Administration to mail checks; your payment will be deposited directly into your bank account by the SSA. Most of the time, your payment is made on time each month. However, on occasion, your payment may get delayed. It is your responsibility to report a late payment to get paid. 

When Will Disability Checks Be Deposited

It takes a few months for you to receive your first payment after your initial application has been approved, especially if you are also receiving back pay at the same time. The Social Security Administration sends monthly payments to you per your date of birth. The current payment schedule is as follows:

  • If you were born between the 1st and the 10th, your payment would arrive on the second Wednesday of the month.
  • If you were born between the 11th and the 20th, your payment would arrive on the third Wednesday of the month.
  • If you were born on the 21st through the 31st, your payment would arrive on the fourth Wednesday of each month.

These rules are not absolute, as exceptions can be made. You should receive your disability payment on the third of every month if you began receiving disability payments before 1997. When your payment date falls on a holiday, the SSA shall make your payment a day before.

Why Your Payment Could Arrive Late

There can be several reasons why your payment may be late, such as:

  • There were changes in your bank information or address, but it did not notify the Social Security Administration.
  • Changes have been made to the bank account used by the Social Security Administration to make your payment.
  • If the SSA office that processes your payment is slow in processing, it may take longer to receive your check.

What to Do If Your SSDI Payment Is Late

If you suspect that your Social Security payment was stolen, you should contact the Social Security Administration as soon as possible. Alternatively, they ask that you wait at least three business days after the date your check was supposed to have arrived before contacting your local office or by calling them from Monday through Friday between 7:00 am and 7:00 pm at 1-800-772-1213 (TTY 1-800-325-0778).

If you have been approved for benefits, you will receive your first payment within 90 days. You must contact your Social Security disability lawyer if you have one or the Social Security Administration if you do not receive it.

Applying for Social Security benefits can be an overwhelming process. If you are interested in seeking SSDI benefits, check out our article about the conditions that automatically qualify you for disability benefits. To learn more, visit DisabilityHelp.org today!

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Cheri Hermanson
Cheri leads our team of writers in producing the best quality content there is regarding society and disability, most especially those that helps ease the quality of life for our differently-abled loved ones.
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