Social Security back pay confusion for disabled adult child benefit after father's death
My daughter was just approved for disabled adult child benefits following her father's passing in October. The approval letter says she's eligible from October through January, with payments starting in February. I'm confused about when/if she'll receive backpay for those months. The letter mentions she's approved for those months but doesn't say anything about lump sum payments. Has anyone dealt with this before? The SSA rep I spoke with was vague about the timeline. I'm trying to budget and figure out if I should expect separate payments for those months or if they'll just start the monthly benefits in February. Her father's death was so unexpected and managing these benefits has been overwhelming.
20 comments
Molly Hansen
Yes, she will definitely receive backpay. When a disabled adult child (DAC) is approved for benefits on a deceased parent's record, SSA pays retroactive benefits from the date of eligibility. In your case, that's October through January. The backpay is typically processed separately from the ongoing monthly benefits. In my experience, backpay usually arrives within 30-60 days after the approval letter, sometimes sooner. It could come as one lump sum or multiple payments. Be sure to check her bank account regularly if she has direct deposit set up. Otherwise, watch for paper checks in the mail.
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Connor Rupert
•Thank you! That's exactly what I needed to know. The approval letter was so confusing because it listed those months but never directly said "you'll get a payment for these." Do you know if they'll send some kind of notice before the backpay arrives, or does it just show up?
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Brady Clean
i went thru this with my brother last year. the back pay just showed up in his account no warning or anything. took about 6 weeks after the approval letter. just make sure ur daughters direct deposit info is correct in the system!!
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Connor Rupert
•6 weeks seems like forever when you're waiting for it, but that's helpful to have a timeframe. I'll double-check her direct deposit info today. Thanks!
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Skylar Neal
To add some clarification here - the backpay for Disabled Adult Child benefits following a parent's death works slightly differently than other Social Security backpay situations. The payments should cover the period from the month of death (October in your case) through the month before regular monthly payments begin (January). One important thing to note: there's a 5-month waiting period for disabled worker benefits, but this doesn't apply to DAC benefits in survivor situations. That's why your daughter was eligible immediately from the month of death. The backpay will likely arrive as a separate deposit with a different payment description. It might arrive all at once or in installments, depending on the amount. Make sure to check both her MySSA account online as well as her bank account regularly.
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Connor Rupert
•That makes so much sense! I was confused about the waiting period because I kept reading different things. So much of the SS information online seems to contradict itself. It's a relief to know she's eligible from October - I was worried we might have misunderstood something.
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Vincent Bimbach
When my son got approved for DAC benefits after his mom died, it took FOREVER to get the backpay!!! Almost 3 months after the approval letter!!! And they never told us it was coming either. Just randomly showed up in his account one day. The SS people couldn't even tell me when to expect it when I called. The whole system is BROKEN!
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Kelsey Chin
•Same happened with my nephew. Back pay took like 10 weeks and no notification. SSA is always understaffed so everything takes forever. At least the money comes eventually!
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Norah Quay
I had a similar situation last year with my adult disabled son after my husband passed. Getting through to SSA was impossible - I spent hours on hold only to get disconnected. I finally used a service called Claimyr (claimyr.com) that got me through to a live person at SSA in under 10 minutes. They have a video showing how it works: https://youtu.be/Z-BRbJw3puU Once I actually spoke to someone, they confirmed the backpay was being processed and gave me a timeframe. For us, the backpay arrived about 5 weeks after approval as a separate direct deposit. Having a definite answer really helped my anxiety about it.
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Connor Rupert
•This is so helpful, thank you! I've been trying to call for days with no luck. I'll check out that service - at this point I'd try anything to get some clear answers about the backpay timing.
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Leo McDonald
•does that service actually work? seems sketchy to me... has anyone else used it?
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Skylar Neal
•I've used it twice - it does work for getting through to SSA quickly. Much better than waiting on hold for hours or getting disconnected repeatedly. Helped me resolve an underpayment issue last month.
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Brady Clean
whats the monthly payment amount for ur daughter if u dont mind me asking? my cousin might need to apply for dac benefits soon and im trying to figure out how much she might get
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Connor Rupert
•I don't mind sharing. She's getting about $1,875 per month. From what the SSA explained, DAC benefits are 75% of the deceased parent's primary insurance amount. But I think it varies based on the parent's earnings record and whether there are other family members receiving benefits on the same record.
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Brady Clean
•wow thats actually more than i thought! thanks for the info
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Leo McDonald
my daughter got SSI not SSDI so its probably different for you. SSI doesn't do back payments the same way. but i think for SSDI and disabled adult child benefits they do pay you for those months they said she was eligible. also make sure you know if she got approved for medicare too because sometimes they don't tell you clearly about that part.
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Molly Hansen
•You're right that SSI and SSDI/DAC benefits are different. For disabled adult child benefits on a deceased parent's record (which is what OP is asking about), they do provide backpay from the eligibility date. Also important to note is that after 24 months of receiving DAC benefits, the beneficiary will automatically qualify for Medicare, regardless of age.
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Connor Rupert
I just wanted to update everyone - the backpay arrived today! It came exactly 7 weeks after the approval letter, as a separate direct deposit labeled "SSA TREAS 310 XXSUPP". It covered all four months (October through January) in one lump sum. Thanks everyone for your helpful advice - it really helped me understand what to expect during this confusing time.
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Skylar Neal
•That's great news! Thanks for coming back to update us. This information will help others in similar situations who find this thread. Glad everything worked out with the backpay.
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Vincent Bimbach
•FINALLY! Glad you got it! Make sure to keep all the approval paperwork in case there's ever any question about it later. The SSA has "lost" my son's paperwork TWICE and I had to provide copies!
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