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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.
In that case, you can get a maximum of 12 months back pay before the month you filed your application, paid in a lump sum. On the other hand, with SSI, the earliest benefits can begin is the month after you file an application. It does not matter how long you've been disabled when you apply. Finally, SSI back pay is paid out over up to three installments, every 6 months.