What is the SSDI back pay process in Tennessee?
By Hogan Smith
Updated 08/14/2025
When you win your Social Security Disability Insurance (SSDI) claim in Tennessee, you may be entitled to back pay — the benefits owed to you for the time you were disabled but waiting for approval. Understanding how the back pay process works can help you know what to expect and ensure you receive the full amount you’re entitled to.
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What Is SSDI Back Pay?
SSDI back pay is a lump-sum payment from the Social Security Administration (SSA) that covers the months (or years) between when you became disabled and when your benefits actually start. Because the SSDI process in Tennessee can take a long time, this back pay can be significant.
Key Factors That Affect Back Pay in Tennessee
- Alleged Onset Date (AOD) – The date you claim your disability began.
- Established Onset Date (EOD) – The date the SSA determines your disability started, based on medical evidence.
- Waiting Period – SSDI has a five-month waiting period after your EOD before payments can begin.
- Filing Date – The date you applied for SSDI limits how far back your benefits can go.
How Far Back Can SSDI Back Pay Go?
In Tennessee, SSDI back pay can go up to 12 months before your application date, if medical evidence proves you were disabled that long. However, the five-month waiting period still applies, meaning the first five months after your EOD are not paid.
When and How Back Pay Is Paid
- Lump-Sum Payment – SSDI back pay is usually paid in one lump sum directly to your bank account.
- Timing – Most recipients receive back pay within 60 days after receiving the approval notice.
- Attorney Fees – If you hired a disability attorney, their fees (up to 25% of back pay, capped by law) will be deducted before payment.
Example of Back Pay Calculation
If your disability began on January 1, 2023, and the SSA approves you on January 1, 2025:
- Waiting period ends: June 1, 2023
- Benefits start: June 2023
- Back pay covers: June 2023 – January 2025
- Paid in a lump sum after approval
Tips to Maximize SSDI Back Pay in Tennessee
- Apply Early – The sooner you apply, the more months of back pay you may receive.
- Provide Strong Medical Evidence – This can help the SSA set an earlier EOD.
- Appeal Denials Quickly – Delays can reduce the total back pay period.
How Hogan Smith Can Help
At Hogan Smith, we help Tennessee claimants get every dollar of back pay they deserve by:
- Proving the earliest possible disability onset date with thorough medical records
- Ensuring all paperwork and deadlines are met to avoid back pay loss
- Challenging SSA decisions if they set your EOD too late
- Calculating expected back pay so you know what to expect
- Representing you at hearings to strengthen your case for maximum benefits
Contact Hogan Smith Today
SSDI back pay can be life-changing — especially after months or years without income. At Hogan Smith, we make sure you don’t leave any money on the table. Our team works tirelessly to secure the earliest possible start date for your benefits and to protect your rights throughout the process.
We offer free case reviews, direct coordination with your doctors, and complete handling of your SSA communications so you can focus on your health. Let us fight for your back pay and ongoing SSDI benefits. Call Hogan Smith today to learn exactly how much back pay you may be owed and start the process of securing it.
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