Understand the Types of Disability Payments

There are two main programs that provide disability benefits: SSDI and SSI. Each program has slightly different rules, but both require you to be approved for benefits before you can receive payments.

• SSDI (Social Security Disability Insurance): SSDI is for individuals who have worked and paid Social Security taxes for a certain number of years. The benefits you receive are based on your work history and earnings record.
• SSI (Supplemental Security Income): SSI is for individuals with limited income and resources, regardless of their work history. SSI is based on financial need rather than a work record.

Both programs typically pay monthly benefits, but how you receive your payment may depend on various factors such as your preferences and bank details.

Set Up Your Payment Method

Once your disability claim is approved, you’ll need to set up a payment method to receive your disability check.

• Direct Deposit: The fastest and most secure way to receive your disability check is through direct deposit. You can have your monthly payment deposited directly into your bank account, credit union, or prepaid debit card. Direct deposit ensures your funds are available immediately on the payment date and eliminates the risk of a lost or stolen check.
• Direct Express Card: If you don’t have a bank account, the SSA offers the Direct Express card, which is a prepaid debit card. Your monthly benefits are loaded onto the card, and you can use it to make purchases or withdraw cash from ATMs.

To set up direct deposit or Direct Express, you’ll need to provide your banking information or apply through the SSA’s website or by calling the SSA at 1-800-772-1213.

When to Expect Your Disability Check

Disability checks are typically paid on a monthly basis, with payment dates determined by the day you were born.

• For SSDI: Payments are usually made on the 2nd, 3rd, or 4th Wednesday of the month, depending on your birth date.
• For SSI: Payments for SSI recipients are typically issued on the 1st of the month. If the 1st falls on a holiday or weekend, the payment may be issued on the preceding business day.

You can check the exact date of your payment on the SSA website or by logging into your my Social Security account.

Check the Status of Your Disability Payments

If you’re unsure about the status of your disability check, you can:

• Visit the SSA Website: Create or log into your my Social Security account at www.ssa.gov to check your payment status, request a replacement card, or update your banking information.
• Call the SSA: If you have any concerns about your payments or haven’t received your check, you can contact the SSA directly at 1-800-772-1213.

What to Do If You Don’t Receive Your Disability Check

If you don’t receive your disability check on the expected date:

• Check for Direct Deposit Issues: If you’re using direct deposit, make sure your bank account details are accurate and up to date. Check your bank account or Direct Express card for the payment.
• Contact the SSA: If there’s a delay, or if you haven’t received your check, contact the SSA to inquire about your payment status. They can provide information on when you can expect your next payment or help resolve any issues.

Keep Your Information Updated

To avoid payment delays, it’s important to keep your personal and financial information updated with the SSA. For example, if you move or change your bank account, be sure to notify the SSA right away.