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They pay a month behind, so you keep the money, but notify them social security administration makes their monthly payments one behind. This means that the check received each month is in payment of preceding month's benefits 5 most people think social security terms a monthly payments start arriving when you stop working.
Here are a couple more tips for counting months of back pay. The first is to remember that only full calendar months count; so if you became disabled in the middle of the month, your month of disability does not count as one of the five unpaid months. The second tip is an exception to the first rule.