Social Security Disability Insurance (SSDI) is a lifeline for many Americans who cannot work due to a disability. For many, these monthly checks are essential for covering basic living expenses. So, when a check is late, it’s understandable to feel anxious. Here’s a step-by-step guide on what to do if your SSDI check is delayed:

Understand the Payment Schedule:

  • SSDI checks are sent out monthly, and the date you receive your check depends on your birthday.
    • Born on the 1st – 10th: Payment on the Second Wednesday of the month.
    • Born on the 11th – 20th: Payment on the Third Wednesday of the month.
    • Born on the 21st – 31st: Payment on the Fourth Wednesday of the month.

Check Your Personal Details:

  • Have you moved recently? Ensure that the Social Security Administration (SSA) has your current address.
  • Banking changes? If you’ve switched banks, updated your direct deposit details, or made other banking changes, this could delay your check.  Update your new bank information with SSA.

Contact Your Bank:

  • Before raising an alarm, check with your bank or financial institution. Sometimes, there might be a delay on their end in processing the payment.

Reach Out to the SSA:

  • If you’ve confirmed that the delay isn’t due to personal details or banking issues, contact the SSA. They have a dedicated helpline for such queries. Call them toll-free at 1-800-772-1213 (TTY 1-800-325-0778) or contact your local Social Security office. If your payment is indeed due, they will replace it. Additionally, here is a link to a comprehensive list of FAQs from the Social Security Administration.

Consult a Disability Attorney:

  • If you’re facing consistent issues or need more detailed assistance, consider consulting a disability attorney. They can provide guidance, help you understand your rights, and offer solutions.

Stay Informed:

Remember, while a delayed check can be stressful, there are clear steps and resources available to help you navigate the situation. When you are living with disabilities, always stay proactive and informed to ensure you receive the benefits you’re entitled to.