SSI Back Pay Installment Payments



If your past-due SSI payments (back pay) exceeds a specific amount, SSA will send you the money in installments, and not all at once.  If your backpay is over $2,000, SSA will require installment agreements.  SSA is required to pay installments in no more than three payments.   The installment payments occur every six months.   Usually, the first and second payment are for approximately $2,000, and the final (third) payment is the remainder of the owed balance.


Exceptions to Installment Requirement


There are exceptions to the rule that allow a person to obtain the entire SSI back pay amount.  If you can prove you meet an exception, at the time of the back pay determination, SSA will issue the entire amount.

  • If you have a medical condition which is expected to result in death within 12 months; or
  • A person is no longer eligible for SSI and is determined likely to remain ineligible for the next 12 months.



Exceptions to the Limitation on the Amount of the First and Second Payment ($2,000)


As noted above, installment payments are usually limited to around $2,000.  Under certain circumstances, you can obtain a higher first and/or second installment payment.

If a Claimant can prove outstanding debts related to the following, SSA will increase the installment amount:

  • Food
  • Clothing
  • Shelter
    • Rent
    • Property insurance
    • Utilizes (gas, electric, ect)
    • Mortgage payments
    • Propery tax
  • Medically necessary services, supplies or equipment, or medicine
    • Purchase of car necessary to attend appointments
    • Mobile phone to contact medical providers
    • Computer

If a Claimant can prove current or expected expenses related to the following, SSA will increase the installment amount:


  • Medically necessary services, supplies or equipment; or
    • See above for examples
  • Purchase of a home


As always, contact the lawyers at Viner Disability Law for more information or to answer more specific questions.  Call now at (720) 515-9012 or email