For millions of Americans, Social Security provides critical financial support during retirement, disability, or in the event of a loved one’s death. Whether you’re approaching retirement age, managing a disability, or applying for survivor benefits, getting approved for Social Security can be a pivotal step in securing your financial future. But once you’ve submitted your application, the big question becomes: how do you know if you’ve been approved?
This guide will walk you through everything you need to know about checking the status of your Social Security application and confirming whether your benefits have been approved.
What Is the Social Security Program?
The Social Security program, administered by the Social Security Administration (SSA), is a federal initiative that provides monthly financial benefits to eligible individuals, including:
- Retired workers (typically age 62 and older)
- People with qualifying disabilities
- Survivors of deceased workers (spouses, children)
- Dependents of beneficiaries
Social Security is primarily funded through payroll taxes and serves as a core source of income for many Americans—especially seniors.
When Can You Expect to Hear Back After Applying?
After applying for Social Security benefits—whether online, by phone, or in person—it typically takes:
- 3 to 5 months for a decision on Disability Insurance (SSDI)
- 2 to 6 weeks for Retirement Benefits or Survivor Benefits
However, processing times can vary based on the completeness of your application, the type of benefit you applied for, and the volume of applications at the time.
How to Check If You’ve Been Approved for Social Security
Once you’ve submitted your application, you’ll want to check your approval status. The SSA offers several easy ways to do this.
1. Check Your Status Online via “my Social Security” Account
This is the most convenient method and available 24/7.
Steps:
- Visit the official SSA website: https://www.ssa.gov/myaccount
- Sign in or create a “my Social Security” account.
- Once logged in, go to “Your Benefit Application Status” to see:
- If your application is being processed
- If additional documents are needed
- Whether you’ve been approved
- Your expected payment amount and date (once approved)
Tip: If you create an account, make sure your email and phone number are current so the SSA can notify you of updates.
2. Call the SSA Directly
If you’re unable or prefer not to use the internet, you can check your status by phone.
- Call the SSA toll-free number: 1-800-772-1213
- Hours: Monday–Friday, 8:00 a.m. to 7:00 p.m.
- TTY users can call 1-800-325-0778
Have your Social Security number and any confirmation numbers from your application ready. A representative can provide status updates and next steps.
3. Visit Your Local SSA Office
You can also visit your nearest Social Security office in person. To find the closest one:
- Use the locator tool on https://secure.ssa.gov/ICON/main.jsp
Appointments are often recommended, especially if you’re submitting documents or need personal assistance.
4. Check Your Mail
Once a decision is made, the SSA will send an official letter by mail informing you of:
- Your approval or denial
- The benefit amount (if approved)
- The date you’ll begin receiving payments
- Information about appealing the decision (if denied)
Keep an eye on your mailbox, as this letter is the official notification of your status.
What to Do If You’ve Been Approved
If your application is approved, you’ll receive:
- A Notice of Award letter
- The amount of your monthly benefit
- The start date for payments (usually within 30–60 days)
Once payments begin, you can manage your benefits online, including:
- Viewing or downloading your SSA-1099 tax form
- Changing your address or direct deposit info
- Requesting a replacement Social Security card
What to Do If You Were Denied
Don’t panic—many first-time applications, especially for disability benefits, are denied. If this happens, you have the right to appeal the decision within 60 days.
The appeals process has four stages:
- Reconsideration
- Hearing by an administrative law judge
- Review by the Appeals Council
- Federal court review
You can initiate an appeal online at https://www.ssa.gov/apply/appeal-decision-we-made
Common Reasons Applications Are Delayed or Denied
- Missing or incorrect documentation
- Incomplete work history or earnings record
- Medical evidence not supporting a disability claim
- Eligibility issues (e.g., age or citizenship status)
Always double-check your application before submission and respond quickly to any requests from the SSA for additional information.
How to Know When Your First Payment Is Coming
Once you’re approved, your first payment is typically sent the month after the benefit month. For example, your benefit for June would be paid in July.
Payment dates depend on your date of birth:
- Born 1st–10th: Paid on the second Wednesday
- Born 11th–20th: Paid on the third Wednesday
- Born 21st–31st: Paid on the fourth Wednesday
You can check future payment dates on your “my Social Security” account.
Pro Tips for Managing Your Social Security Benefits
- Sign up for direct deposit to receive your money faster and more securely.
- Use the Direct Express® Card if you don’t have a bank account.
- Monitor your account regularly for any suspicious activity.
- Always keep your contact information up to date with SSA.
Final Thoughts
Applying for Social Security is a major step toward financial stability in retirement, disability, or during family hardship. Whether you’re waiting for an approval decision or managing your benefits after acceptance, staying informed is essential.
With online tools, phone assistance, and in-person services, checking your application status is easier than ever. Be proactive, organized, and ready to act on any updates.
If you’re still unsure about how to check your status or need help with the online portal, don’t hesitate to seek assistance from a trusted family member, legal advisor, or community center. Your benefits are too important to leave to chance.
