Initial Application Stage: 3 to 6 Months

Once you submit your SSDI application, it typically takes 3 to 6 months for the Social Security Administration (SSA) to make a decision.

• What Happens: Your medical records, work history, and disability status are reviewed.
• What You Can Do: Submit complete medical documentation, respond to SSA requests quickly, and check your application status online.
• Massachusetts-Specific Delays: Processing times can vary depending on your local SSA office and the complexity of your case.

Reconsideration Stage: 2 to 4 Months

If your initial application is denied, the next step is reconsideration, which adds another 2 to 4 months to the process.

• What Happens: A different SSA reviewer evaluates your claim.
• Tips: Add new medical evidence or clarify information that may have been misunderstood the first time.

Hearing Stage: 12 to 18 Months or More

If you’re denied again, you can request a hearing before an Administrative Law Judge (ALJ). This stage usually involves the longest wait, ranging from 12 to 18 months or more in Massachusetts.

• What Happens: You present your case at a formal hearing with a judge.
• What to Expect: You can bring witnesses and submit new evidence.
• Delays: Backlogs at local SSA hearing offices often cause longer wait times in this stage.

Approval and Payment Timeline

Once approved, it can take 1 to 3 months to begin receiving your SSDI payments.

• Back Pay: If your claim was approved after a delay, you may receive retroactive payments dating back to when your disability began.
• First Payment: Usually issued through direct deposit or mailed check.

Total Estimated Time to Get SSDI Benefits

Depending on your case and whether appeals are necessary, getting SSDI benefits in Massachusetts can take anywhere from:

• 3 to 6 months for a fast approval,
• Up to 2 years or more if your case goes to a hearing and beyond.