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Will I get cost-of-living increases in my Social Security Disability check?

By   /  March 3, 2016  /  296 Comments

Learn how your Social Security Disability check will increase with inflation and how the cost-of-living increases are calculated and paid.

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Watch the Video: “Will I get cost-of-living increases in my social security disability check?”

Cost-of-Living Adjustment to Disability Benefits

Social Security law includes a provision for cost-of-living adjustments, often called COLAs, which increase the amount of your disability benefit. The purpose of the COLAs is to help your Social Security benefits keep up with inflation.

When COLAs are Payable

You will get a cost-of- living increase in your Social Security disability check if during the previous fiscal year there was an increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers. If there is no increase in the Index, then there is no increase in Social Security Disability benefits. For example, Social Security announced a 1.7 percent increase in gross disability benefits for 2015 because there was a 1.7 percent increase in the Consumer Price Index for the fiscal year ending September 2014. But, there were no increases in benefits in 2011 and 2016 because there was no increase in the Index in the prior year. COLA increases begin with the December benefit of the year the Index increases and are paid in January.

Finding Out If There Will Be a COLA

Whether or not there will be a cost-of-living adjustment and the amount of any increase are announced in the fourth quarter of each year. In addition to a public announcement, the Social Security Administration will send you a letter that shows the new amount of your Social Security disability check, including the cost-of-living increase, if any. For information about how your base disability benefit is calculated, see our article “If I Am Approved for Disability, How Much Will My Social Security Disability Benefit Be?”

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296 Comments

  1. Marlin Keys says:

    I receive SSDI with plan A. My check is only $1,100 a month!! I had to move in with my mother because I cannot afford rent anywhere. I lived in a very expensive home when my injury happened and made good money. Are there any supplemental programs within SSDI that could help me? Could I qualify for plan B as well? I’m not ever sure what plan B is. Also, after my SSDI began, I started having seizures. Should I report this to SSDI? Thank you for any information.

    • Kay Derochie says:

      Dear Marlin,

      If your claim comes up for a Continuing Disability Review, be sure to list the seizures and your medical care for them. Otherwise there is no need or purpose in reporting them.

      Apparently, you did not enroll in Part B Medicare when it was first offered to you. If that is the case, you can enroll in Part B Medicare during the open enrollment period in November and December this year. Coverage will begin the following July. You might check to see whether you will qualify for help with your Part B Medicare premiums. Information is available at http://www.medicare.gov.

      Your Social Security is too high for you to be eligible for Supplemental Security Income. You could check with your state or county social services office to see if you qualify for SNAP (food stamps). If there is public housing or public subsidized housing in your area, you could try to get on a waiting list for subsidized housing that usually charges only one-third of your income.

      Sincerely,
      Kay

  2. Joel Fry says:

    If I move to a state that has a higher cost of living will I draw more money?

    • Kay Derochie says:

      Dear Joel,

      If you receive Social Security Disability (SSD aka SSDI), your benefit will not change. If you receive Supplemental Security Income (SSI), your federal SSI payment will not change. If the state you are moving to has an SSI state supplement and your state does not or has a lower one, you could have a small increase from the new state.

      Sincerely,
      Kay

  3. Ken says:

    I get SSDI monthly check for $1920 net per month since 2002.
    I recently (5/13/2016) had a baby with my girlfriend . They lived here for 3 months but are currently staying at her moms due to job location.
    I have applied and was told I qualified to get benefit amount of $1050 monthly for my child . I am her father and Payee Representative .

    I want to set up child support payments and visitation through the Attorney Generals Office of Texas as the non custodial parent .

    My question is do pay 20% of my net income , 20% of mine and my childs income, or does the mom get the entire check of $1050 …which is $450 a month greater than 20% of the combined income of mine and my childs benefit . 20% of the combined net would be $600. We are on good terms and I want to pay child support , but I need to have money to buy her things when she is with me and pay her medical insurance . Thank you in advance for your answer

    • Kay Derochie says:

      Dear Ken,

      My response to you is related to Social Security and does not consider any court ordered support that might exist. Typically the parent with whom the child lives serves as payee and receives the child’s Social Security dependent benefits. If you continue as payee, you should give the child’s mother a percentage of the benefits equal to the percentage of time the child is with her and retain the rest for when the child is with you. If you transfer money this way, I recommend transferring the money by check, keeping a printed copy of all the cancelled checks, so you have documentation of using the money for the child. If the mother becomes payee, she should give you money for the percentage of time she is with you.

      Sincerely,
      Kay

  4. elizabeth says:

    dear kate i recieve ssi and live in a home home alone in nys, (which belongs to someone else) but due to the extreme weather here ,I suffer with many health problems. If i was to move to sc with this male friend and he buys a home can i still get my ssi if he is getting a va income of 1072. month? i understand if i pay half of mortage, and utilities plus my own food, etc in the new place , i can keep my ssi. This guy will have his own room and offers to pay half also. Can you please tell me how this would be considered. He cant accept cash or rent but can i help with mortage and etc, safely?? Please help me i cant find out anything on this. Also i would be close to my children. thank you for taking time to read this- Elizabeth

    • Kay Derochie says:

      Dear Elizabeth,

      Your SSI will not be affected if you pay half of the shelter costs as you describe. Note that the shelter costs include property taxes and, if required by the lender, property insurance as well as the mortgage. Your friend will have to check with the VA about whether having a roommate who pays only her share would affect his VA benefits.

      Sincerely,
      Kay

  5. Leah says:

    I receive SSDI benefits and just found out I am having a baby. I remember when I applied for benefits three years ago, I had to answer questions about family size. Will my benefits increase if my family size is increasing? Thank you.

    • Kay Derochie says:

      Dear Leah,

      If your children are not already receiving the entire amount payable for your dependents, having another child will increase the total family benefits. If your family is already receiving the Family Maximum Benefit (FMB), which includes your benefit, adding your new baby will provide benefits for the baby and the other children’s benefits will decrease. You can find out the amount of your FMB by calling Social Security at 1-800-772-1213. Regardless, you should apply for the new baby when he or she born.

      Sincerely,
      Kay

    • Ms lopez says:

      I need a question answered. I moved from NYC to Arizona. In NYC no matter how expensive it was I got better help with foodstamps. I got more SSI my check on the 3rd SSD was because I worked so when I move to AZ they couldn’t touch it thk God. Now I’m
      Here 8 years. I’m
      Always struggling. Don’t get enough foodstamp just $16 a month. My rent was almost the same as NYC because I lived in subsidized housing. I used to fill out tax forms here they don’t help me with anything. Why is Arizona not helpful? Sometimes I see myself packing my bags and going back to a homeless shelter in NYC song can get help. I have anxiety problems. I wish i could afford to eat good healthy food. Food banks give out to much unhealthy expired food. I need to loose weight I have signs of osteoporosis also. Arizona is horrible for help

      • Kay Derochie says:

        Dear Ms.Lopez,

        New York is one of the state’s that offers a substantial SSI state supplement; not many states do that. For local assistance in Arizona, Senior centers often have tax volunteers who will help file tax returns for no fee. You might try to get on a subsidized housing waiting list. Also, check with the food stamp office to be sure that they have the correct amount on file for your shelter and medical expenses–just to be sure that the calculation of your benefit is based on the right information. Some telephone companies offer special rates for disabled people. Calling 211 assistance line and entering your zip code may identify other kinds of help available in your area.

        Sincerely,
        Kay

  6. Nijah says:

    I wanted to know can you receive a Ssi check for $733 and a ssdi for $802 a month

    • Kay Derochie says:

      Dear Nijah,

      A Social Security Disability (SSD/SSDI) payment of $802 is too high for any federal SSI in any month it is received. It might allow a small amount of SSI state supplement if you live in a state that pays a supplement. Note that it is possible to receive SSI for a limited time until the higher SSDI starts.

      Sincerely,
      Kay

  7. Jenn says:

    Hi!

    My mom is currently living with us. She receives the standard ssdi amount. She wants to move out on her own. How is someone with a monthly income of 733 supposed to pay bills and have money to buy food and basic daily needs?

    When someone moves on their own and provides a lease and bills in their name does their ssdi go up?

    • Kay Derochie says:

      Dear Jenn,

      I think your mother is receiving Supplemental Security Income (SSI) because $733 is the maximum federal benefit, which is Social Security disability. Because she is already receiving the maximum, her moving will not increase her income. I suggest that she try to get on a waiting list for government-subsidized housing and/or consider having a roommate to share expenses. She could also apply for food stamps on her own if she not sharing food with the rest of the family.

      Sincerely,
      Kay

      • Jaz says:

        Where is this that someone on SSI can get food stamps? Not in California. I tried n was denied.
        I’m forced to be homeless bcuz with what I receive I absolutely cannot afford, rent, good, utilities and I have a dog to care for. Waiting lists are 2-4 yrs or longer. I’ll be dead b4 I get in subsidized housing. I’m in my car with my dog, eat and shower where & if I can. Becoming disabled has been the worst thing that’s happened to me. I wish I had just died instead of gotten hurt. I pray daily for death to take me and that a decent person takes mercy on my dog, the ONLY thing I have left to live for, and takes care of her. If I killed myself I would have to take her with me, I couldn’t bear leaving her behind.

        • Kay Derochie says:

          Dear Jaz,

          People who receive SSI in California can be eligible for food stamps, but food stamp eligibility is partially dependent on how much income you have left after paying for housing. You may have been denied because you do not have a home with the associated costs. If you can, try to connect with services for the homeless in your city to see if you can get some practical and/or moral support for your situation.

          Sincerely,
          Kay

  8. I have a question I get disability of 633 a month and I am looking on moving to a location where the rent will be 350 I was wondering if anyone could tell me about how much of an increase I would be receive thanks

    • Kay Derochie says:

      Dear Jeremy,

      Neither Social Security Disability (SSD) or Supplemental Security Income (SSI) bases disability payments on the amount of rent that you pay. If you get SSI and someone pays your rent or shelter utilities for you, your SSI will be reduced. If you have had such a reduction and are moving to a place where you pay your own expenses, your SSI could go up based on no longer having in-kind (non-cash) income.

      Sincerely,
      Kay

  9. Fae Nolte says:

    Im in Washington will be 25 years old very soon and I’m on Adult Disabled Child benefits and currently receive Medicare and Medicaid as well as a monthly payment of 920 dollars. I receive this because my father is retired and I have mental issues. When I move out and into a roommate situation will my benefits change? Stay the same? Or will I lose them all together because I’m leaving my father’s house?

    • Kay Derochie says:

      Dear Fae,

      You do not have to live with your father for your benefits to continue. If you recover from your disability or get married, benefits will stop. One exception to termination due to marriage is that if you marry someone who is receiving Social Security benefits for any reason other than being a minor child, your benefits will continue.

      Sincerely,
      Kay

  10. Amanda says:

    Hi I’m on ssi and have been since I was a child
    I just found out I’m pregnant (unplanned)
    Am I going to get cut off from having a child and also the father wants me to move in and pay rent and utilities so we can co-parent more easily will this effect my ssi living with the babies father as to co-parent since my current living situation isn’t right for a child

    *the father and I arn’t in a relationship if that changes anything

    • Kay Derochie says:

      Dear Amanda,

      If you move in with your child’s father and you pay your share (one-third) of the shelter expenses and one-third of the food if your share food, your SSI will not be affected. Shelter expenses are shelter utilities (power, heat, water/sewer, and garbage) and rent or mortgage, property tax and, if required by the lender, property insurance.

      Sincerely,
      Kay

  11. Sally says:

    Im trying to rent an apartment but its 850 plus the utilities and I only get 639 how do i do go about this.Raising my ssi so I can pay

    • Kay Derochie says:

      Dear Sally,

      If you can tell me why your SSI is reduced from the maximum federal SSI payment of $733, I can respond regarding whether you can get an increase to $733. If you live in a state that pays an SSI state supplement, you might qualify for slightly more than the $733, but not enough to rent a $850 apartment. Accordingly, it appears you need to either get a roommate to share costs or find a less expensive apartment.

      Sincerely,
      Kay

      Sincerely,
      Kay

    • allan says:

      can my wife get ssi cause doctor say i can be my self anying
      bye myself

      • Kay Derochie says:

        Dear Allan,

        I don’t understand the information you include with your question. Could you please try to reword it for me?

        Thank you,
        Kay

  12. Toni stewart says:

    My daughter gets 488.67 and we just moved into our own home..But they didn’t go up even after i gave them everything they need..im in ga so does it go up

  13. April says:

    I tried posting before on here without a response. Look, I get $733 a month for 3 1/2 years, SSI took $500 plus out of my money only after they called me over one month ago asking me questions about my living situation, I told them I was married, living with my parents, I paid them $225 as told by SSI up until I was engaged. I did struggle with it even before I was engaged, and we called them to notify them we got married. I even read up on SSI and marriage and it said that my SSI would be redeemed because my spouse is on SSDI and I’m not, so , if he gets $844 and both my parents worked, of course now my mom doesn’t for 5 more weeks, shouldn’t I just get my $733 back? She had stage 0 breast cancer and her milk ducts had carcinoma in them and she had a full mastectomy. I can’t afford bills, food, rent etc on $276 income. How can I even pay FMV if I don’t even get to keep what little money I get because my spouse needs cigarettes every month! You tell me how I can afford to pay them everything back?

    • Kay Derochie says:

      Dear April,

      Your husband’s SSDI benefits are a factor in determining your SSI benefit amount. If nothing else has changed other than your getting married, the reduction in benefits is due to the marriage and your husband’s income. If you and your husband do not pay fair market value for your room or your share of the shelter expenses, your SSI will be reduced even further.

      Sincerely,
      Kay

  14. Adrian says:

    Hey kay,
    Received my first ssi check about 2 months ago and my check, including back pay, was around 1900. Gave a thousand to my mother to help around the house and was left with only 900. I was saving up for a car. Theres not really a way i can get that money back right? Also i want to start helping with the morgage around here and i am currently paying for my own food and phone. if i start helping with the morgage will my 488 dollar check increase? I checked rooms for rent ads around my area and the average was around 500. Does that mean ill have to pay around 500 if i want to help with the mortgage? Lets say i do get it up to 733. I ld have to pay for that 500 and be left with 233? Whereas before id be making 488?? Im better off staying with what i have now lol or lets say my mother is just asking 250 a month to help pay for bills. Will that affect how much i get? Thanks!

    • Kay Derochie says:

      Dear Adrian,

      To receive an increase to the full $733 a month you have to either pay fair market value for your room ($500 per your research) or your share of the mortgage, property taxes, property insurance, and shelter utilities (not phone or cable) and continue to buy your own food. Your share is the total of those shelter expenses divided by the number of people in the household. The $1,000 you gave your mother could be designated as room rental for a certain number of months, or payment toward your share for a certain number of months.

      Your SSI will not be reduced below $488 for not paying fair market value or not paying your share. If you pay $250 room rental, the maximum SSI of $733 would be reduced by $230 ($250 below fairmarket value minus the $20 general income exclusion) to $503, which would be somewhat more than you are receiving now.

      Sincerely,
      Kay

  15. Justin says:

    Hello, Im receiving SSI and I recently moved from NY to Utah with my cousin and his girlfriend that have 5 children. When i first arrived for 2 months i was receiving the full $733 but as of February 2016 I received a letter from SSA stating that because of other income i was receiving, my benefits were reduced to $488.67. I dont understand why they reduced my benefits when im not getting any help and Im also not freeloading as you would say. i was paying $400 for rent, $120 for utilities and $60 for water before my SSI was reduced. I as well prepare my own meals. As Im still paying $400 for rent but utilities are at $40 and water is $20 because of the adjustment. Leaving me with $28 for food for the month. If I inform SSA of this will my benefits be restored to the $733 as it was previously? And will SSA need to verify with my cousin that im very well paying my share of the bills?

    Thank you

    • Kay Derochie says:

      Dear Justin,

      I suggest that you appeal the determination right away. If you have been paying one-eight of the shelter expenses (total expenses divided by the number of people in the household), your SSI should not have been reduced. Your appeal is based on your paying your share.

      Your cousin needs to submit a statement that includes the fact that you have been paying the amounts for shelter that you indicate ever since you arrived in Utah, the number and names of people living in the household and that you purchase your food separately. He also has to submit documents (utility bills for power, heat, water/sewer and garbage and either a rental agreement or proof of mortgage, property taxes, and property insurance) to support your and his statements. Just a note: because you prepare your food separately, you may be eligible for SNAP (formerly called food stamps.

      Sincerely,
      Kay

  16. Louis Guzman says:

    Hi my father currently lives in Texas and recieves disability.We have been making arrangements for him to move to California so he can move in with me and I could take care of him. He currently lives alone and is concerened that if he moves in with me being head of household making a decent living it might decrease how much he recieves. Do you know if this is a possibility? Thank you for your help!

    • Kay Derochie says:

      Dear Louis,

      If your father receives Social Security Disability (SSDI), living with you will not affect his benefits. He needs to report his change of address so he gets Social Security mail, but that’s all.

      If he receives Supplemental Security Income (SSI) to receive the full amount while living with you, he has to pay his share of shelter expenses and food or his share of shelter expenses and buy his own food. His share is the total amount of these expenses divided by the number of people in the household. Shelter expenses are rent or mortgage, property tax, and if required by the lender property insurance, power, heat, water/sewer, and garbage. Alternatively, he would have to be a renter renting a room from you for fair market value and buying his own food or a boarder paying fair market value for room and board. The last choice is harder to prove with a family member.

      Sincerely,
      Kay

  17. Joseph says:

    I live In NY State, I just received my letter stating that I was approved for SSP benefit for $23. Is SSP/SSI the same thing? Or are these 2 different things? If they are separate, will I receive a check from both? And will the SSI check be greeter then the SSP check?

    Thank you in advance!

    • Kay Derochie says:

      Dear Joseph,

      SSP is a New York State Supplement to federal SSI payments. They are two separate things, but you have to apply for SSI to get SSP. The highest federal SSI payment is $733. I do not have any information to know what your specific SSI benefit will be. I could not find in the brief research I did whether the two benefits will be paid separate, but I think so. Some states pay a supplement even if the claimant’s income is too high for federal SSI. I do not know whether New York is one of them, so I don’t know whether you have been approved financially for SSI, but you have likely been approved medically.

      Sincerely,
      Kay

      Sincerely,
      Kay

  18. Maria says:

    I get 620 i pay 100 in rent the rest gose to insurance and bills i did go to the ssi office to report the change that i had started to pay rent and bills but they said that wasnt ganna incress my money what can i do about this ? And thank you in advance

    • Kay Derochie says:

      Dear Maria,

      You posted your question under a Social Security Disability (SSDI) article. If your $620 is SSDI, the amount is based on your work earnins not on your liviing arrangements or house much you pay for shelter. If you are trying to get Supplemental Security Income (SSI) to supplement your Social Security, you will be eligible only if you can pay for your own food (either with cash or food stamps) and your own shelter. You can do this by paying fair market value (FMV) for your shelter as a renter or by paying your share of shelter costs (and food costs if you share food with the people you live with.) FMV is the amount that most people pay for similar housing in your geographic area. Your share is the total of rent or mortgage, property tax, and if required by the lender property insurance, power, heat, water/sewer, and garbage.

      Sincerely,
      Kay

  19. Jess says:

    I receive ssi as my only income, and just found out I am pregnant (unplanned). Does this need to be reported? Could I lose ssi? Thank you for the help

    • Kay Derochie says:

      Dear Jess,

      Giving birth will not cause you to look benefits. If you receive Supplemental Security Income (SSI), the birth of the child will have no affect on your SSI. If you are receiving Social Security Disability (SSDI) and your Family Maximum Benefit is more than your Primary Insurance Amount, which is your benefit, your child will be eligible for dependent benefits on your earnings record.

      Sincerely,
      Kay

    • Sky Moon says:

      If I apply for disability SSI will they come and check how much my rent is? How do they verify?

      • Kay Derochie says:

        Dear Sky Moon,

        You provide a copy of your rental agreement. If you do not have a rental agreement, the person to whom you pay the rent needs to prepare a statement giving the rental amount and when you started to pay it.

        Sincerely,
        Kay

  20. Turieon Mitchell says:

    what’s the maximum payment for social social in Wisconsin cause my sister get almost a thousand dollars in social security i get 733 will mine go up I live in two bedroom house she live in a rooming house

    • Kay Derochie says:

      Dear Turieon,

      Based on the figures you are giving me, I would say that you receive Supplemental Security Income (SSI), which is a public assistance program, and your sister is receiving Social Security Disability based on her earnings record. The maximum SSI in Wisconsin is $733 federal SSI. In addition, the state of Wisconsin pays a small SSI state supplement. You can apply for the supplement at the Wisconsin Department of Health Services nearest you.

      Sincerely,
      Kay

  21. Brandon says:

    Hello Kay

    How can I make sure I get the max ssi (733)? I’m 24 and I stay with my mother and little brother in a 3 bedroom apartment. Rent is 1200 a month and right now I pay nothing since I have no income. I buy my own food and cook it myself from my mom and brother. I receive $194 in food stamps. I really want to get the max so I can really be able to make more dr visits and pay for my meds and copays. Thanks in advance.

    • Kay Derochie says:

      Dear Brandon,

      If you are approved for Supplemental Security Income (SSI) benefits, you can start paying your share of rent and power, heat, water/sewer, and garbage. Two months after you start paying your share, your benefits will increase to the maximum. Note that you may need to use part of your back pay to pay your share while you are waiting for your monthly benefits to go up, so be sure to keep enough of your back pay to be able to three or four months of your share while you are waiting for the change to be processed.

      Sincerely,
      Kay

      • Brandon says:

        Thank you so much. How do I find the FMV of the apartment? Would $350 or $400 be a good price to pay for the apartment since it is $1200 for a three bedroom?

        • Kay Derochie says:

          Dear Brandon,

          That seems reasonable to me, but rents vary from one location to another. You might try looking for average rent prices in your city on the Housing and Urban Development (HUD) website (www.hud.gov) Otherwise, look for rooms for rent in advertising in your area.

          Sincerely,
          Kay

  22. Shakeria says:

    I’m 6 months pregnant and receive $755 in SSDI. After paying all my Bill’s and rent I have only about $20 left for the month. Will my benefits increase after I give birth?

    • Kay Derochie says:

      Dear Shakeria,

      If your family maximum benefit (FMB) is higher than your primary insurance amount (PIA), which is your benefit before deductions for Medicare premiums or taxes, a benefit will be payable for your child. You can learn the amount of your FMB and PIA by calling Social Security at 1-800-772-1213.

      Sincerely,
      Kay

  23. tonya says:

    I just moved last week, and my rent is now $350. All im getting $733.. Will my check go up a little bit higher since i move to a different house with a higher rent……

    • Kay Derochie says:

      Dear Tonya,

      Your Supplemental Security Income (SSI) benefit will not increase because your rent has gone up. If you get SNAP (formerly called food stamps), your grant may go up.

      Sincerely,
      Kay

    • Shakeria says:

      Yea My rent is $495 so just imagine how broke I am

  24. Heather says:

    Hi Kay,

    I’m 32 years old and have lived with my mom most of my life. I was granted disability before I was 22, so I receive disability and social security based on the fact that my dad has retired. I have decided to move out and try living on my own, but I’m not sure if it’s possible unless my payments increase and also my food stamp benefits. Do you think I will be able to get an increase? Thanks for any advice

    Heather

    • Kay Derochie says:

      Dear Heather,

      Your Social Security disabled adult child benefits will not increase when you move out. You reference getting “disability.” If that refers to Supplemental Security Income (SSI) and your SSI has been calculated considering in-kind (non-cash) support and maintenance in the form of free or subsidized housing, your SSI could go up after you have been paying all your own housing costs for two months. If you are already getting the maximum SSI (that is, your Social Security and SSI equal $753), then your SSI will not go up.

      Sincerely,
      Kay

  25. Flor Martinez says:

    Hello,

    I have been on SSDI for about 2 years now. I am 32 years old. I receive $996 for myself, and about $360 for my daughter. I suffer from disc degenerative disease, arthritis of the spine, 2 herniated discs, and failed back surgery syndrome. I am now almost 7 months pregnant (which was very unexpected). I have heard rumors that when Social Security finds out I am pregnant, I will lose my Disability Benefits. Is this true? If so, why? I am a high risk pregnancy because of all my back issues, and a previous 2nd trimester miscarriage. I have to take P17 shots once a week to prevent pre-term labor. Although this pregnancy has been a very tough one, and I am going through very tough medical issues, I am very confused as to why a pregnancy would terminate my benefits. Will I really lose all my benefits? Or am I allowed to also receive a check for my child when he is born? Thank you in advance for your response.

    • Kay Derochie says:

      Dear Flor,

      Having a baby is not a basis for termination of Social Security Disability benefits. In your case, it could raise questions about how bad your back is; however, if it comes into question, you can indicate the pregnancy was not planned and document all the problems with the pregnancy that you have had because of your back. So, in short, there’s probably nothing to worry about. And yes, you can apply for benefits for your newborn. If the family maximum benefit (FMB) is already being paid out, the amount your daughter receives will be split between the two. You can get the amount of your FMB by calling 1-800-772-1213.

      Sincerely,
      Kay

  26. Shawn says:

    I currently moved into a bigger apartment paying 75 more a month than previous apt. I told the SSA when i moved into the first apartment and i was paying for 425. I informed them that it was my girlfriend and I living together that i was paying for the rent and electric while she was paying for everything else. I am still currently getting the max of $733. My girlfriend got laid off few months perior to the move into the bigger apt. We recently updated SSA about this, we informed i was now paying everything, she’s expecting our first child and we now get 185 in SNAP each month. Will the move, the future child or anything along these lines affect my SSI benefits in any way? Appericate any answers.

    • Kay Derochie says:

      Dear Shawn,

      Because you were already paying at least your share of shelter and food costs, your benefit will not go up. I suggest that your girlfriend report that she is pregnant as she might be eligible for additional food assistance under the WIC program. Also, your food stamp grant might go up just because income is down.

      Sincerely,
      Kay

  27. bridget zuck says:

    My son makes 349.00 ssi we just moved into our on place an we pay 450.00 a month does that change what you are suppose to get we have been at are new pace for going on 3 months can someone please explain

    • Kay Derochie says:

      Dear Bridget,

      If you have not already, you need to report your move to Social Security and go over your new living arrangements with them so they can determine your son’s payment amount in the new residence. If he is living with only his parent(s) and he and his parent(s) in the household are paying all the shelter and food costs, his payments may increase.

      Sincerely,
      Kay

      • Erica says:

        Dear kay, for some reason this is the only way I can post. I get 733.00 a month I pay my car payments and phone I’m then only left with maybe 200.00 I buy my own things and help with household things I’m. 30 with a 13 month old I live with my parents because my sons dad left us I’ve been disabled since the age of 4 I really can take living with my parents any longer my grandma gets 1,000 is That because she lives alone I do get child support but he took me to court for visitation which wasn’t needed so he doesn’t pay what he should be based on what he makes because we agreed if he didn’t have him over night which he doesn’t take him When he should and when he used too he would bring him home early he hasn’t taken Him since July and I feel I should get more help money wise but I don’t think my son is ready for over nights there s so as you see I’m very much stuck if I want to move on my own will I be elagable for more money and asssestance? I have a ticket to work part time but my son will only stay with my parents and they will not watch him please help me in anything you can tell me I’m despite and stuck please help me p.s sorry for the run ons my phone is crap

        • Kay Derochie says:

          Dear Erica,

          If your are not paying your share of rent or mortgage and property taxes and shelter utilities where you live (and your share of food if you do not purchase food separately from your parents), you are not eligible for $733 because your are receiving in-kind support and maintenance from your parents. So, it will be to your advantage to pay your share of those things before paying for a phone or car. You might check with your state or county social services to find out whether your income is low enough for you and your child to qualify for Temporary Assistance to Needy Families (TANF).

          If your grandmother is getting $1,000, her benefit is probably Social Security Disability based on her earnings record, not Supplemental Security Income (SSI), which is the public assistance benefit you are receiving.

          Sincerely,
          Kay

          • craig says:

            Hey kay. I got 558 For ssa and 138 for ssi one come on the first and the third i currently pay the whole oy rent which is 400 and light and water which is almost 300 combine how do i get a increase and all i was on my ss online and it show they are taking off 61 dollars every month for like two years now something they call owe back bit when i call the number for ssi the say the im getting the correct amount but for some reason that wasnt the right amount for a year now it actually got less. How do i go across this matter

          • Kay Derochie says:

            Dear Craig,

            I suggest that you go to your local office and request an explanation of when and how you were overpaid. If it appears the fact of the overpayment is correct, perhaps you can get the monthly collection amount spread over a longer period of time at a reduced rate.

            Sincerely,
            Kay

  28. Brock says:

    I was just approved this month for SSI $488.63 per month, I submitted a notarized letter because I have to pay my parents $250.00 for rent. How long before my benefits are increased? They said once I gave them that letter it would be 60 until I get $733.00 is that true? And if I do get $733.00 minus the $250.00 for rent I’ll be left with $483.00 which is a little less then what I get now but I’m at least able to pay the rent my parents require.

    • Kay Derochie says:

      Dear Brock,

      If the $250 is accepted as fair market value for room rental and you are buying your own food, your Supplemental Security Income (SSI) benefit will increase to $733 (without reduction for free or subsidized housing) two months after you start paying rent.

      Sincerely,
      Kay

      • Brock says:

        Yeah, I would have to provide my own food. The $250.00 rent I have to pay doesn’t include food just shelter. Prior to me being approved for SSI I was getting food stamps about $180.00 a month for myself because my parents have always stated I need to buy my own food and pay rent once I got approved for SSI or got a job. My parents said if I pay them $300.00 dollars a month and that would include food, so if I’m ineligible for food stamps because of my SSI that is actually a fair offer on behalf of my parents. In you opinion would it be better to just pay them $300 a month and not worry about food stamps, or does the $250.00 sound adequate enough for me to get my benefits increased to $733.00 a month. I want to get $733.00 a month to be able to take care of myself, what is the likelyhood that they will increase it to $733.00 because I have to pay rent and buy food. So basically what amount of rent would I have to pay to justify getting my benefits increased for sure to $733 i.e. $250, $275, $300, $325, $350 etc…

        I know the maximum I’m allowed to get is $733.00

        P.S. This site has very helpful and useful information, keep up the good work thanks!

        • Brock says:

          Another thing I forgot to mention my is parents really want more like $400-$500 per month but I talked them down. I just need to get my benefits increased so I can satisfy them and their requirements. I am just really thankful and grateful I have a place to stay food, clothes and the bare necessities. So what would you consider “fair market value” to ensure my benefits are increased to the $733.00?

        • Kay Derochie says:

          Dear Brock,

          To receive the maximum benefit, you need to pay fair market value (FMV) for your room and buy your own food or pay fair market value for room and food. You can research the FMV for the room by looking at room-for-rent ads for similar rooms in your area. FMV for food would likely be the amount you were receiving in food stamps, $180. If your parents give you food for $100, you would probably be charged $80 in-kind (non-cash) support and maintenance for the food. So, the simplest and maybe most advantageous might be to receive food stamps.

          Sincerely,
          Kay

  29. Kristine Jackson says:

    I am wondering if my ssi and ssd will increase or decrease If I move from missouri back to my home state of Florida?

    • Kay Derochie says:

      Dear Kristine,

      If your living arrangements stay the same, your benefit amount will stay the same. For example, if you are now paying for all your own shelter and food costs and continue to do so after you move, your benefit will stay the same.

      Sincerely,
      Kay

    • ashley says:

      Will, my disability payment . pay all my cost of liveing

      • Kay Derochie says:

        Dear Ashley,

        Your Social Security Disability benefit amount will be based on your earnings and Social Security taxes paid on those earnings prior to your becoming disabled. It is not based on your living expenses so the benefit may or may not cover all your current expenses.

        Sincerely,
        Kay

    • jerome says:

      I get 488.00 per month and pay my brother 200.00 per month and buy my own food and what. I need from the check I get .If I take a motorized letter of this to SSID will I get a increace in my check to 733.00

      • Kay Derochie says:

        Dear Jerome,

        You have to either pay fair market value for your room or pay your share of shelter costs. It is doubtful that $200 is fair market value for a room rental. (You can look online and in newspapers to try to find out room rental prices in your area for a similar dwelling.)

        I suggest that you start paying $400 for room if that amount is fair market value and apply for and apply for food stamps to cover your food. Once you get food stamps and pay FMV for your rent, your SSI will go up two months later. (You then, of course, will need to let the food stamp office know of the increase in income.)

        The alternative is for you to pay his share of rent or mortgage and property taxes (and property insurance if required by a mortgage holder) and power, heat, water/sewer and garbage if you has enough money to do so instead of paying a flat room rental amount. Your share is the total of the listed expenses divided by the number of people in the household.

        Sincerely,
        Kay

  30. Stephen says:

    This is the second time I am asking. The first time I ask it no longer shows

    My rent is being increase for the reason my landlord state in the notice. Due to the cost of living.
    My communication service is increasing.

    My consumer bill increase.

    Why is my befits not increasing according to the cost of living same as my living expense?

  31. Stephen says:

    My disability check is not going up.

    Already I receive notice that my rent is being increase for reason of the cost of living.

    My consumer bill is going up, My communication is going up.

    Food prices are going up. Medical is going up.

    So where do you find that the cost of living is not going up?

    I know cooperation cost is going down due to the tax break they receive.

    I know the wealthy cost is not going up due to the tax break. So these people cost of living is not going up. it does not mean the people cost of living is not going up.

    Who is doing the accounting? Did they attend Rick Snyder unorthodox accounting course?
    For it seem his accounting practices does not show proper data.

    • Kay Derochie says:

      Dear Stephen,

      You can probably research online to find out how the consumer-price index numbers are determined. The new media says one big factor is that oil prices being down (gasoline, heating fuel, and fuel that powers industry). It is said that will skew the figures because everything related to oil is a huge part of the economy.

      Sincerely,
      Kay

      • Stephen says:

        OK, KAY

        I am going to make a copy of your reply to my proper information and attach it to the letters I will be sending to my landlord, consumer power and communication provider.

        Informed them they are increasing my bills under false pretense, For according to the online survey the cost of living is not creasing and their act is just another way to receive extra money .

        Thank you for your time and proper information that these corporation fail to see in their accounting practice.

        • Kay Derochie says:

          Dear Stephen,

          I cannot be used as an authority on cost-of-living. I just shared a small amount I know about it. Probably all the entities that are raising their costs are experiencing rising costs in their operations too. There’s no simple answer.

          Sincerely,
          Kay

  32. Stephanie says:

    Hello I get 523 a month I am having a baby and living with my mom do my check increase?

    • Kay Derochie says:

      Dear Stephanie,

      Your benefits will not increase because you have a child.

      Sincerely,
      Kay

    • Sabrina says:

      Hi
      I am from South Carolina I’m currently living in New York city . I recieved 910 a month in social security as child dependant off my father .. Will my check increase bc the cost living higher in New York City ??
      Sabrina

      • Kay Derochie says:

        Dear Sabrina,

        Your Social Security benefits are based on your father’s earnings record. Accordingly, the amount will not change due to variations in cost of living from one state to another.

        Sincerely,
        Kay

    • Hi I david Kent i get food out of the human resource. I just got them 1 month back.it on b 141dollars.all go to food I got over 3000dollars in hospital bills.I only get 733dollars monthly I own my home y taxes have gone up each year.from under100dpllars to over 200dollars I bye 2010.I’m 2year behind.becouse iv got no help other then ssi and foodresorces.No ride to doc or to stores .my water and elctrisleywent up can I get a ssi lawyer help me will I get raze

      • Kay Derochie says:

        Dear David,

        You are receiving the maximum SSI payment. Now that you have started to get food stamps, perhaps you can start making small payments on the taxes. If you live where there is a bus system, check to see if they have a handicap ride service. I also suggest that you check with human services department and/or local non-profits to see if there are any volunteers or other resources who could take you to doctor appointments and once a month to store and pharmacy. Lastly, check with the water and electric companies to see whether they have any assistance for disabled individuals. Another possibility would be to look into a reverse mortgage.

        This is where a bank or mortgage company buys your home paying you an amount each month while you continue to live in the home. Because the home is an excluded resource converting part of its value to cash may not count as income for SSI. If you use the money to pay taxes and other expenses the same month as you receive it, the cash will not count as a resource the next month.

        Sincerely,
        Kay

  33. Gina says:

    Hello, my husband and I live in Florida. He is getting $733 on SSI for mood disorders. I no longer work due to being pregnant and high risk. We are moving to a two bed Mobil home and pay the same in bills (electric bill will be slightly higher), but once our child is born will his SSI increase? We can barely pay the bills now, and we have the minimum (rent, electric, car insurance, and gas). We are both on Humana Famil Medicaid and receive $125 in Food Stamps.

    • Kay Derochie says:

      Dear Gina,

      The Supplemental Security Income (SSI) program does not pay dependent benefits. Your food stamps may increase when your child is born and/or your family might qualify for Temporary Assistance to Needy Families (TARF) to supplement the SSI.

      Sincerely,
      Kay

      • a.hudson says:

        I currently move from Illinois to Tennessee I receive disability do I also qualify for ssi, if ssdi is all I’m getting, and two chidren with benefit under me, will theirs go up 2016, about how much if so?

        • Kay Derochie says:

          Dear A.,

          Whether or not you qualify for Supplemental Security Income (SSI) depends on the amount of your Social Security benefit. If you benefit is $753 or more, you will not qualify for federal SSI. You can check to see whether the state pays an SSI supplement to those with higher income.

          There is no cost-of-living adjustment (increase in benefits) for 2016 because the consumer price index did not increase.

          Sincerely,
          Kay

  34. Will everyone thats receiving ssi/ disability be receiving an extra $548 plus their regular benefits in December of 2015?

    • Kay Derochie says:

      Dear Shanda,

      I have not heard of everyone receiving and extra $548. Please give me a bit more background and I may be able to shed some light on your question.

      Sincerely,
      Kay

  35. blanche Felton says:

    Hi my five year old daughter gets $455 a month in ssi we moved to a house of our own I pay $395 a month for rent will her check go up to $733 now that we in our own house

    • Kay Derochie says:

      Dear Blanche,

      If you and your daughter are also paying for the shelter utilities (not phone or cable), her benefit will increase two months after you start paying for those expenses. This assumes that food is being covered by food stamps or you are also paying for the food.

      Sincerely,
      Kay

  36. Holly Foote says:

    Hi im n so. Ca. And I get 850$ a month and currently pregnant and homeless. Is there anything that ssi will help me with as far as getting i to a new place. And who do i go to for being pregnant.

    • Kay Derochie says:

      Dear Holly,

      The Social Security Administration does not assist directly with housing; however, their offices may be able to give you a list of agencies in your area that could help. Your county should have a community clinic where you can receive prenatal care. If you have trouble finding one, call any social service agency or even Planned Parenthood, which can probably tell you about resources. I also suggest that you contact your local public housing agency to get on a waiting list for housing. Also, I suggest that you apply either in a state office or online at http://www.healthcare.gov for medical insurance. You may qualify for Medicaid.

      Sincerely,
      Kay

  37. James says:

    I am on SSD in NY. Between what I get and what my wife and children get from me we bring in a total of $1075 a month. We are looking into moving to California and I was wondering if the amount we recieve will go up or down because of the cost of living difference and by how much if you know?

    • James says:

      I have 2 more things to add. (1) My wife is pregnant with our 3 child. (2) I am begining the prosess of claming Vetrens Disability I know once I add our childthe amount we get will go up. However if I get aproved for Vetrens Disibility will it effect what I get from SSD here in NY or in CA?

      • Kay Derochie says:

        Dear James,

        Veteran’s benefits do not affect Social Security benefits. A third child will not increase total benefits paid the family if you and your family are already receiving the maximum family benefit.

        Sincerely,
        Kay

    • Kay Derochie says:

      Dear James,

      Social Security Disability and dependent benefits are the same in all states, regardless of cost of living differences.

      Sincerely,
      Kay

  38. Wanda says:

    Hi there I was wondering I am on s.s.I I get $733 a month and I pay $800 a month not including light and gas and to my doctor appointment I am single for 8years by I can’t pay my bills by myself my x have to pay everything else for me but now I want to move to Florida and I don’t know if in Florida I will continue getting the same amount or it will increase or decrease

    • Kay Derochie says:

      Dear Wanda,

      The SSI rules are the same in Florida. The amount you receive will depend on your living arrangements in Florida and whether or not you receive financial help or pay all your own expenses. Please see my response to your first post.

      Sincerely,
      Kay

  39. Kiana says:

    I get $802 in disability plus another $29 for each of my dependents, if I get approved for housing will the amount of disability go down? I’m in Texas

    • Kay Derochie says:

      Dear Kiana,

      Your Social Security Disability and your dependents’ Social Security benefits will not be decreased if you are approved for public housing.

      Sincerely,
      Kay

  40. Stephanie says:

    Hi I just received my backpay for ssi,I’m only receiving $488 a month,I already put in for an increase which he said I had to wait till Jan what I was wondering is if I called for a fair hearing if I could possibly get more backpay. I thought ssi was 1 amount I had a family member paying for me but had promised to reimbursed once receiving my ssi,I also need to pay $500 rent,$100 con ed&$50 phone bill,I told them I wasn’t paying anything which was true I had no income but was relying on the ssi backpay to give it all to my family member,I had told the ssi office once I received I had to pay. My friends brother receives $733 lives with his mother&pays no rent or bills so I thought I was going to receive the same amount,we both also get food stamps. I live alone but in a basement apartment(private it’s not connected) of a family’s house. If I ask for a fair hearing is there anyway to get more backpay so I can pay back what I owe my family member for my dentist bill&vet bill of putting my dog down as well as start paying the rent,con ed&phone? I have severe anxiety,I don’t leave my house&don’t do phone calls so I would really appreciate any advice because I’m not knowledgable with any of this stuff. I also receive $23 a month in something called ssp but don’t know what that is. Thank You sorry for the length of this

    • Kay Derochie says:

      Dear Stephanie,

      First, SSI can be paid in any amount from $1 to $733 depending on a person’s income including in-kind (non-cash income in the form of housing or food). If your brother’s friend is receiving $733 in SSI without paying for shelter, a mistake is being made and he should report that he is not paying rent and have his benefits reduced.

      With regard to your own situation, changes in income affect benefits two months later, so if you started to pay for your own shelter and food in November, the increase will occur in January.

      With regard to the calculation of back benefits, it sounds as if you were told that if you present proof of repaying your family with the SSI back pay that you do receive, your benefits will be recalculated to a higher rate for some months. If that is the case and you use part of your first back payment (saving enough to get through November and December) to repay specific amounts for specific months including rent for specific months, those benefits might be recalculated to the higher rate. If you do this, be sure to do it with a check or money order or other proof of repayment and also get a written receipt from the person(s) you are repaying that says the amount repaid and month(s) in which the original loan (whether cash or housing) was extended. Then, you could take the next back payment from the recalculated benefit and pay off some more of the loans and keep doing the same process as far as possible.

      Sincerely,
      Kay

  41. David West says:

    My name is David west and I was just wondering I received $733 a month ssi and I stay on my own payn all my bills on my own I get food stamps $20 a month which is no help and am constantly struggling to make it to tha next month and it’s getting to tha point we’re ima have to move back home with my parents and I was wondering would my ssi increase since am living on my own

    • Kay Derochie says:

      Dear David,

      You are receiving the maximum Supplemental Security Income (SSI) payment now. You might contact your power company to see if they have any program to help with your utility bill if it is not included in your rent.

      Sincerely,
      Kay

  42. samantha says:

    Hi,
    I have epileptic seizures and I make $920 a month for social security. And pay $200 for rent. I am about to move out and rent a room into someone’s house and pay $500 a month. Will my social security go up if I update it in the papers?
    thanks!

    • Kay Derochie says:

      Dear Samantha,

      Your Social Security amount is based on your earnings record and does not change when your expenses change.

      Sincerely,
      Kay

      • Rondel says:

        I will like to know what is the pay for ssi in C.A and if I was in LAS VEGAS AND MOVED BACK TO C.A WILL MY MONEY GO UP?? I WAS GETTING 733 IN VEGA’S WHAT WILL I GET IN C.A??

        • Kay Derochie says:

          Dear Rondel,

          The maximum SSI payment in California is $889 ($773 federal and $116 from the state). To receive the maximum, you have to be in an “independent living status” as defined by the state of California.

          Sincerely,
          Kay

  43. Amands says:

    Hello, curious my girls drew a check off of me, my oldest graduated and lost hers and now my youngest draws double now, when she graduates will what she received be added on to mine since she will no longer be receiving it, I draw ssd I believe I get my check on the 3rd of every month.

    • Kay Derochie says:

      Dear Amands,

      Your benefit will not go up when your youngest child’s Social Security dependents benefits stop. The children’s benefits were being paid to support them while they were minors and dependent on your and were paid in addition to your benefits.

      Sincerely,
      Kay

  44. william says:

    Hello im sending this email in regards of my ssi status. I am recieving 488.00 a mo. and that is not enough to maintain my living situation. For starters i have a 22 yr old son that has seizures, and has been having them for quite some time now. I have and am still taking him to a neuro clinic here in tx. They have not found out why the seizures occur, nor what triggers them. So he has been taking all types of meds and still have not found a combination to some what slow them down. He has one about every 3 days. If he goes without having one for more than 3 days , he becomes violent, unsteady, and uncontrollable. Ive also applied for his ssi disability also but was told the doctor has to sigh off on his chart or something? They wont because they say he has more testing to go through? So to make a long story short, my ssi is relativly meaningless to the cost of trying to take care of him, meaning cosmetics, food, shelter, transportation, etc. COULD YOU PLEASE HELP ME?? Austin Texas.

    • Kay Derochie says:

      Dear William,

      If I understand you correctly, you receive $488 in Supplemental Security Income (SSI) payments and your son has no income and has an SSI claim pending. You do not mention food costs, so perhaps you are receiving food stamps, which do not affect SSI payment.

      Based on those assumptions, it would appear that your SSI is being reduced because someone is giving you free housing or is paying for your shelter costs. If this is not the case or if some of the $488 is being used for shelter costs, contact Social Security and ask for a recalculation of the in-kind support and maintenance for the period since you started contributing to shelter. If your contribution is high enough, your SSI will be increased.

      Sincerely,
      Kay

  45. Ashley says:

    So I won my case in Texas. And I’m only getting $753 a month I can’t live off of that not can I get into an apartment on that amount of money!!! So I was wondering what I could do or is there anything I can do ??? Thank you for taking the time to read this

    • Kay Derochie says:

      Dear Ashley,

      You are receiving the maximum Supplemental Security Income (SSI) benefit. You might try to rent an apartment with a roommate to share costs when you get your first back pay installment, which should give you enough for rental and utilities deposits. (If you were also approved for Social Security Disability (SSDI), that benefit might be more.) If you are not already getting food stamps, I suggest that you apply. It is not an immediate solution, but you could also try to get on a waiting list for public housing.

      Sincerely,
      Kay

      • chris says:

        My husband won his case in July ssa told him his first monthly income won’t be until November 1st 2015…will he see his back pay before then?

        • Kay Derochie says:

          Dear Chris,

          If your husband is due back pay, it is likely to be paid after the first monthly benefit has been received.

          Sincerely,
          Kay

      • Ashley says:

        Yes I am on food stamps and I’m sharing a apartment right now but even with sharing not enough but thank you for your reply!! And I’ve called on housing they all say there’s a two year waiting list or its closed!

    • Steve says:

      If your getting SSDI, then you should consider moving to a foreign country. $753 You can live convertible in the Philippines on that pension and they speak English. You can get a 1 bedroom apartment for $100 a month even less than that if you rent a room. Average mAid there gets $50 dollars a month. You will not live like a king on that but comfortable. Alcohol and cigarettes are ridiculously superlow nothing like in the United States. If you don’t want to travel that far then Mexico might be an option for you and you can go over the border to use your Medicare benefits.

      • Kay Derochie says:

        Dear Steve,

        Dear Steve,

        Supplemental Security Income (SSI) is not paid to individuals living abroad, so a person receiving part of their income from SSI (as the figure $753 would suggest), would have a reduction in income if out of the U.S. for 30 days or more.

        Sincerely,
        Kay

  46. whitney says:

    hello i was curious i receive mental disability checks in the amounts of 658$ per month i live in ky im pregnant with my first child and was wondering if i would get more money after my baby is born im not sure exactly what i receive as in ssi ssd or others i really dont know thanks

    • Kay Derochie says:

      Dear Whitney,

      If you receive your benefits on the third of the month or on a certain Wednesday every month, you are receiving Social Security Disability (SSD) and your child might be eligible for dependent benefits. You can call Social Security at 1-800-772-1213 and ask them the amount of your primary benefit and the amount of the family maximum benefit (FMB). If the FMB is higher than your benefit, your child will be eligible for benefits.

      If you receive your benefits on the first of each month, you are receiving Supplemental Security Income (SSI) and no dependent benefits are payable. If you receive SSDI and you (and your spouse if you are married) have income and assets below the SSI limits, you could receive a small amount of SSI benefits to supplement your Social Security.

      Sincerely,
      Kay

  47. Ashley Nicole says:

    I may be moving to Florida from Ohio in the next six months to better my living situation. I currently bring in the maximum that Ohio allows me to get between my SSDI and my SSI for my disorders. Since my boyfriends family makes some serious money and I may be moving in with them. As long as I pay my share of rent/ food/ bills/ ect I should still bring in what I do now correct? Or will Florida have a adjustment for the higher living than Ohio?

    • Kay Derochie says:

      Dear Ashley,

      Yes, if you pay your share of rent, food, and shelter utilities, your SSI will not be reduced because you are living with your boyfriend’s family. (SSDI is not affected by your living arrangements.) It appears that your benefits will remain the same in Florida as they have been in Ohio because I am not finding a Florida SSI state supplement for individuals who are not in care facilities or foster homes.

      Sincerely,
      Kay

      • Kaila says:

        I get 733 a month but I just had my son who isn’t disabled but will my check increase since I’m the only one taking care of him?

        • Kay Derochie says:

          Dear Kaila,

          The $733 figure seems to indicate that you are receiving Supplemental Security Income (SSI). If that is the case, your benefits will not increase because SSI does not pay dependent benefits. You might apply for assistance from your state to help support your child.

          Sincerely,
          Kay

  48. Ely says:

    Good Afternoon. I have a 3 year old son who is disabled and receives SSI. We live alone in Florida. I work full time and my Gross pay is $2080 a month. My rent is $1300, on top of that I have daycare to pay which is $440 a month, Light bill is about $110 a month, Water $80 a month, phone $50 which leaves me with barely anything to survive for food and gas and other expenses my child needs. He was granted his benefits and receives $488 a month through SSI which im so grateful for because it helps pay his school and special therapies. My question is up to now its just been me and him. I am actually pregnant at the moment and I’m so terrified of not being able to keep up with expenses and now having another child. I am due in 3 months, will SSI put into consideration that I now have another child that also has expenses, I need to pay daycare for this child ass well. Will my sons benefits increase being that now we will have another child in the home?

    • Kay Derochie says:

      Dear Ely,

      There will be an allotment of your income for the support of your child beginning with the month after the child is born. The allotment will reduce the portion your income that deemed available for your son’s support, so your son’s SSI will go up. Be sure to report the birth right away providing proof of the date of birth.

      Sincerely,
      Kay

  49. D. Allen says:

    Dear Ms. Kay, I was wondering if you could help me Please. My 9year old is disabled and she just started receiving benefits July 2015(for$733.00) after getting that for July & August, I resigned from my job( making $300 every 2 weeks) the end of July because she got sick, Mid August I receive a letter saying that her benefits will be $488.00. Im not sure why it decrease so low, but during all the paper work session we’ve had. They always ask for bills and proof of paying them. My bills are $650 on Rent and $100 on lights. I also have a toddler to take care of as well. Should the check increase or should I contact them to let them know we’ve fallen on a hardship and possible homeless come October?

    • Kay Derochie says:

      Dear D.,

      You do not say whether someone else lives with you and your children or is paying for part of the rent and electricity which exceed the maximum SSI your daughter can get ($733). If someone else paid your these expenses or part of them in July, your daughter’s benefits would be reduced two months later in September. If this is the case, when you get the back pay for her, you could use it to pay the family’s rent and utilities and after two months the benefits would increase. If this is not your situation, I suggest that you go to Social Security and ask for a full explanation of why the benefit went down so you can decide whether the reduction is correct. If you then think a mistake has been made, you can appeal the decision and ask for payment continuation during the appeal. You might also apply to your state’s social services office to see if you can get cash assistance for your other child to cover the rest of the rent.

      Sincerely,
      Kay

  50. joe says:

    Hi. My sister is on disability. Shes 32. You started getting your disability in New York. And was getting around $900. She moved down to florida and they cut her check to a little over $500 a month. Ive heard that they cannot reduce your check just because you move to a different state. How does that work? Ty

    • Kay Derochie says:

      Dear Joe,

      What you describe would indicate that your sister receives Supplemental Security Income (SSI) and not Social Security and that in New York she was receiving both federal SSI and New York SSI state supplement. When she moved to Florida, the New York supplement stopped. Additionally, it sounds as if she may have moved in with someone and is not paying her share of rent or mortgage and utilities (and food if they share food); and, therefore, she had a further reduction for the in-kind (non-cash) support she is receiving from the householder. If this is the case and she either starts to pay her share or to rent a room for fair market value and buy her own food, her SSI could be increased.

      Sincerely,
      Kay

      • Shannon says:

        Hello…

        My I’m currently receiving bennifits for my daughter and she only get 463 a month. I work for the post office now but only receive part time hours. But my rent is 1400 and that’s not including BGE and so forth on. What should I do about getting them to raise her bennifits

        • Kay Derochie says:

          Dear Shannon,

          Please tell me how old your daughter is and confirm that I am correct in assuming that she lives with you. Also please let me know what kind of benefits she receives, Social Security or Supplemental Security Income. Then I’ll be able to respond.

          Thank you,
          Kay

  51. RaeDon Hayes says:

    how much does your ssi check go up when you move out on your own

    • Kay Derochie says:

      Dear RaeDon,

      If you pay for all your own shelter (rent, power, heat, water/sewer, and garbage) and food expenses and have no other income (SNAP and government-subsidized housing is excluded from countable income), the maximum federal SSI payment is $733. If you live in a state that has an SSI state supplement, there will be a small additional amount, which varies from state to state.

      Sincerely,
      Kay

      • Cathy says:

        I get 732 disability and 21 ssi Is that all I will ever get the rest of my life? I rent I pay everything in ALL utilites and living on 732 a month is horrible

        • Kay Derochie says:

          Dear Cathy,

          You appear to be receiving the maximum amount you can receive when your Social Security benefit ($732) is below the Supplemental Security Income (SSI) income limit. The only increases will be cost-of-living adjustments in years that the consumer price index increases causing a general increase in all Social Security and SSI benefits.

          Sincerely,
          Kay

  52. Aaron says:

    I’m 24, live with my parents, and receive SSI. I plan on moving out to live on my own (but with some assistance). Will my monthly payments increase if I live on my own? Will I get help paying rent? Thank you.

    • Kay Derochie says:

      Dear Aaron,

      I need more information to answer your question. How much Supplemental Security Income (SSI) do you now receive? Do you plan to pay all your own rent, utilities, and food expenses when you move?

      Sincerely,
      Kay

      • Daniella says:

        #HELPPPPPPPPP
        I wanted to know if they have a company in Memphis Tennessee that can help me monthly with my utility bill like they do in my hometown (Chicago) I have a newborn child &’ I pay all my bills alone and this month got a little hard…. Can you help me with any information trying to look up stuff on my own isn’t so easy….. Thanks in advance….

        • Kay Derochie says:

          Dear Daniella,

          I suggest that you contact your power company and phone company to see whether they have an assistance program and, if so, whether you qualify for assistance. Sometimes local non-profit organizations also have energy assistance programs. Lastly, I suggest that you check with your local office of Tennessee’s social services department to find out whether your baby is eligible for cash assistance or WIC food assistance. The social service department may also be able to give you a referral for utility assistance.

          Sincerely,
          Kay

        • Sheila Davis says:

          I receive ssi for myself I’m also getting food stamps for my kids .. I live with my mother an will be moving in a month I will be paying for everything with the help of my partner .. Will they give me an increase an will it be a problem when I move to a different county.. I only get 488

          • Kay Derochie says:

            Dear Sheila,

            Moving to a different county within the same state will not affect your Supplemental Security Income (SSI) payments. (I believe that your are getting SSI, not Social Security because of the amount you say you are receiving.) If you live with your partner and you pay your share of the rent or mortgage and heat, power, water/sewer, and garbage (and food if you all buy food together) your SSI can increase to $733. Your personal share is the total expenses divided by the number of people in the household. If your partner is not living with you and gives you cash or pays for rent or mortgage or shelter utilities or buys you food, the partner’s help will be income to you and reduce your benefit from the potential maximum of $733.

            Sincerely,
            Kay

            Sincerely,
            Kay

      • Aaron says:

        I recover $582 a month right now, and if I can get a part-time job I hope that I can pay for rent, food, phone, and utilities. But I don’t see how I could do that on SSI alone.

      • Aaron says:

        Also, are there programs to help assist me in living? At the moment I don’t trust myself to take my meds, nor do I take them when I’m in control of them. I can cook, clean, find services to give me rides, and do other important things, but I’m afraid for my safety, living alone. But on lithium things seem to be changing so this may be a moot comment, but any information would be appreciated. Thanks.

      • Aaron says:

        My understanding is that the most you can get from SSI is a little over $700. And part time on minimum wage may allow me to handle a really cheap apartment on my own, but I’m not sure. I’m not even sure I can work.

        • Kay Derochie says:

          Dear Aaron,

          I am responding to your three posts.

          The maximum federal Supplemental Security Income (SSI) benefit is $733. Some states pay a small SSI supplement. You might try applying for government-subsidized housing, which usually costs one-third of the resident’s income. You can earn $85 gross monthly (if you have no income other than work earnings and SSI) before you will have a reduction in your SSI. For each two dollars over $85, your SSI will be reduced by $1. For example, if you were earning $185, your SSI would be reduced by $50.

          Regarding assistance with taking your medications, many communities have community health clinics or psychiatric social workers who can help with medication management. Also, some areas have apartment complexes that provide reduced rents and some oversight for the chronically mentally ill. Your might try to discuss the issue of needing some medication management with your psychiatrist or get in touch with NAMI (National Alliance for the Mentally Ill) to learn what services are available in your area.

          Sincerely,
          Kay

        • Wanda says:

          Hi I will like to know I am on s.s.I. and I get $733 a month my rent is $800 my light bill is $140 gas is $15
          My phone is $68 a month.
          I don’t have any more money my x has to pay for the rest I asked for housing and they denied me they say that my x own the house that I live in the thing is don’t owe it his brother owe it and now he is sealing it and I have to move what can I do

          • Kay Derochie says:

            Dear Wanda,

            First you need to correct the record with the housing authority about the ownership of the house. Also let them know it is being sold and you need to move. At the same time, start looking for housing that you can afford on you own either by living alone or by sharing with someone who pays half. (Note if your ex was not living with you when he was paying part of the expenses, you have received too much SSI because you have been getting income from your ex.)

            Sincerely,
            Kay

      • Meek says:

        Hi I receive SSI benefits for my twins $488 a piece that amount is based on me living with my mom and I’m unemployed..I been moved into my own place June and pay $700 rent..I updated the address june but the case worker never said or did anything else so my question is would I still have to wait 2 months after for and increase now that they finally asked for my lease or they would put it on there by next month if it will be an increase?

        • Kay Derochie says:

          Dear Meek,

          The increase should be retroactive to August 2015, two months after you began to pay your own expenses. How long it takes for them to process the change will depend on the workloads in the office.

          Sincerely,
          Kay

  53. Casandra Austin says:

    If I live in a state & pay all the bills for that state, & I want to move to another state, will I receive a Ssdi for the other state to pay bills there?

    • Kay Derochie says:

      Dear Casandra,

      Social Security Disability (SSDI) benefits are the same in all states.

      Sincerely,
      Kay

  54. Ashley says:

    Hi I was just wondering when my Ssi money goes up because I’m paying more bills does that mean my ssd money will go up to ? And if not how do I get my ssd money to go up?

    • Kay Derochie says:

      Dear Ashley,

      Your Social Security benefit is fixed. It does not vary based on the expenses you pay. It will typically go up only if national inflation allows a general cost of living increase. The one exception is if you were to work while disabled and earned substantially more money that the lowest annual earnings used in your current benefit calculation.

      Sincerely,
      Kay

      • Ashley says:

        Okay then why do I have to report when I pay more bills or have to report any changes on stuff I have to spend money on??? And I’m about to have a truck in my name but I’m making payments on it will this effect my Ssi/ssd? And how will it effect it? And I’m just trying to get my money up so I can get into my own place but every apartment you have to bring in 3 times the rent amount… I’m almost there… And thank you again for being here for all of us and take time out to help answer our questions!!!! I know it means a lot to me!!!

        • Kay Derochie says:

          Dear Ashley,

          If your benefit is increasing as you increase your contribution to household expenses, you are receiving Supplemental Security Income (SSI). The SSI benefit is increasing because you are getting less support from the head of the household where you live. Social Security Disability (SSDI) benefits are fixed as I said previously and are not affected by free or subsidized shelter or food. If you are buying the truck and have no other vehicle, it will not affect your SSI benefits. If you are buying from a private party, be sure to get a bill of sale and a receipt for each of your payments so that can prove that you did not receive the truck as a gift.

          Sincerely,
          Kay

          Sincerely,
          Kay

  55. Rosenette Camille says:

    I just got my reward letter for ssdi but it’s only $226 monthly? ????!!!! And I have a daughter with heart congenital heart disease to care for. What can that amount help me with when I have rent and utilities to pay off! I been filling since 2007 then 2011. Then 2013-2015 and finally got approved. But why soLOW! I am considered legally blind that I got from my type 1. Mellitus uncontrolled diabetes. Tachycardia 24/7 heart beat 130’s-155bpm. Isn’t there a special rule for legally blind. I am 25years old. I have worked 2013, 2014. Majority of my life I have been hospitalized in ICU since 14-25 . Hospitalized for a month on the end. What is the special rule for legally blind applicant rule for getting higher payment please. And what is th he work credit guidline for legally blind please. *Urgent* thaNks Kay

    • Kay Derochie says:

      Dear Rosenette,

      Please check or have someone check for the type of benefits you are receiving and let me know so I can respond about any other possible sources of income I can suggest. (If the award letter has your Social Security number and the letters HA, you are getting Social Security Disability (SSDI) on your own earnings record. If the award letter has your Social Security number and the letters DI, you are receiving SSI. If your award letter has a parent’s social security number on it and the letter C or HC and a number, you are getting disabled adult child benefits.)

      There is no provision for higher payments based on blindness, although there are some special work incentive provisions for individuals who are blind or legally blind. I can respond more specifically after I know for sure the type of benefits you are receiving.

      Sincerely,
      Kay

  56. TY says:

    My daughter is married and has been receiving disability payments of approximately $900 dollars monthly. She just had a baby and I understand that does not increase her disability check, but still needs to be reported. Will the baby qualify for any assistance through her disability status? Also, she was a nurse before her disabling condition qualified her for permanent disability assistance. Prior to having the baby she was allowed to work part time as long as her income did not exceed a minimal amount and her disability check would not decrease. Some type of back to work program. She and her husband have been told that there have been changes in this program and now her disability payments would be reduced fifty cents for every dollar she earns. They live in Kentucky. Can you tell us if that is true?

    • Kay Derochie says:

      Dear Ty,

      Given the amount your daughter is receiving, I assume that she is receiving Social Security Disability (SSDI), not Supplemental Security Income (SSI); my response is based on that assumption.

      As far as I know there has been no change. Your daughter is entitled to a one-time, nine-month Trial Work Period (TWP). In 2015, gross earnings of $780 in a month count as a TWP month. After the end of the TWP, your daughter can remain eligible for full benefits as long as she has not recovered medically and her earnings do not reach Substantial Gainful Activity (SGA). In 2015, SGA for a non-blind individual is typically $1,090 gross wages. She can read about current work incentives in Social Security’s Red Book, which can be found online at http://www.ssa.gov. (When she reaches full retirement age, she will be switched to retirement benefits and the restrictions on earnings will no longer apply.)

      Sincerely,
      Kay

  57. Autumn says:

    Hello. My mom began receiving disability benefits about 4 years ago (she is 55). She was informed that her benefits would increase when she moved into her own home/apartment (she currently resides in her fathers home; he owns it but he does not live there). She is now in the process of looking for a new place. Will her benefits go up automatically as soon as she moves or is there paperwork that needs to be filed?

    • Kay Derochie says:

      Dear Autumn,

      When your mother moves, she needs to go to a Social Security office to report her new living arrangements and to ask for a redetermination of her Supplemental Security Income (SSI) benefit amount. The increase will start two months after the month she is paying for all of her own shelter costs. If she is unable to travel to an office, she should call and request a telephone interview.

      Sincerely,
      Kay

  58. Alex says:

    Hi, what is the minimum I have to pay for rent in order to get an increase in SSI?

    Like if I move out from my moms what do I need to pay in order to go from 400 something to 700 something? If you pay rent they incraese your pay, how much rent do yo uhave to pay?Does it matter? Does $50 increase it the same way 300 or 500$ increases it?

    • Kay Derochie says:

      Dear Alex,

      There is no specific figure. In order to receive a full Supplemental Security Income (SSI) benefit without reduction for subsidized housing, you have to pay fair market value (FMV) for whatever housing you rent, whether a house, an apartment, or a room.

      Sincerely,
      Kay

  59. Lorain says:

    Hello I have a question I cant find the answer to, maybe you can . I drawed SSI since my heart ripped open and a metal dam was made to hold it together. 2009 my husband was struckwith cancer moved up to ssdi immediately aug/sept and he would had been eligible for retirement in nov however he had a massive heart attack and passed away in oct 2009. approved for ssdi payment. now its been 6 yrs my ssi has been switched to disabled widows benigits( im 50) the amount is 71.5 percent. So are my payments based on todays 2015 monthly amount or 2009 amount.? thanks

  60. yolanda says:

    If my 3 year old starts school regularly with his special ed. Does is social security increase or decrease?

    • Kay Derochie says:

      Dear Yolanda,

      School or pre-school attendance does not affect the amount of a Social Security benefit. If you are able to start work or increase work hours because he is in school, depending on how much you were earning, the increase in earnings could cause his payment amount to go down.

      Sincerely,
      Kay

      Sincerely,
      Kay

  61. Krystel says:

    Can my ssdi benefits go up when I move out on my own? Also will it affect my ssdi if my girlfriend gets cash assistance?

    • Kay Derochie says:

      Dear Krystel,

      If you are receiving Social Security Disability (SSDI) and not Supplemental Security Income (SSI) your living arrangements do not affect your benefits. The income of a friend does not affect either SSDI or SSI benefits.

      Sincerely,
      Kay

  62. Adam says:

    I live in Texas now. I started my disability case in California Ive been disabled all my life from having cancer at age 3 currently I’m 28 . I currently have cancer again, and finally after moving here to get surgery and support from family. I finally won my case. I first applied for disability in 2011 again after being cut off of SSI at age 21. I was awarded SSI benefits starting from October 2013 till now March 2015. Recently ive been receiving State Medical assistantance which is called Medicaid. I received my first monthly payment for 415.00$ in February 2015. Starting in March I’m now receiving 807.00$. During February I received a one time ssi payment for 2199.00$. Since then all I’ve been focusing on ia trying to be about to travel to Houston Texas to get my surgery unway and finally be able to afford medical treatment. As of now I’ve been cut off the medical insurance and was told by SSA by phone that I’m now longer on SSI and I am on SSD based off my work history and I’m a disabled adult etc. My back Pay was to be split up into 3 installment payments 6 months apart. I would assume the first one was the 2199.00$ at the end of February. Now from what I researched an SSD recipient or SSDI receives there back pay in one lump sum, which ive received all that info its over 10,000$. Im currently paying all my own bills and now medical expenses, shelters, food clothing etc. I must travel up to 200 miles round trip to see the proper doctor. I don’t own transportation, or a bed etc. I need alot of living exspense paid for a quick if im going to be able to survive. My worker here in my home town is no help. Whenever it comes to question she has no idea. Long story short if I’m no longer on SSI and I’m on SSD or SSDI shouldn’t I be entitled to my back pay in a lump sum? Instead of a 6 month payments? I could die in the next 12 months and the longer I wait to get this tumor removed the sicker I get. Ive already had my teeth removed because of radiation and chemo treatment. Im basiclly doing this alone with the help of one family member. So i need to be to get my mouth fixed a good car to get me to and from the doctors more frequently and some shelter exspenses such as a proper bed and living quarters. Can I request help from my back pay of 10,000$ for these reasons otherwise I may not live into next year? Also now That i don’t have insurance I really have another battle? Hope this makes some sense I need the back to live? I know i can get request for theses things but now that im on SSD or SSDI shouldn’t I get a lump sum like now? Please help battling Rabdomyocarcoma or RMS tissue cancer for a second time.

    • Kay Derochie says:

      Dear Adam,

      Your Social Security Disability (SSDI) back pay will be reduced by the amount of Supplemental Security Income (SSI) back pay payable for the same months. There is no way to avoid that; however, you can request to have all your Supplemental Security Income (SSI) back pay released to you at once instead of in installments. You can make the request on two different grounds (each one individually should be enough). First, you can have the full SSI released when you are no longer eligible for SSI. Second, you can request release of the full amount to get medical care. Make a written request for release and make a statement of dire need (life-threatening illness). You can also indicate that you need the money released to secure housing and a bed if you are a guest somewhere till you can get housing.

      With regard to medical care, in October of this year, you will have Medicare. In the meantime, I suggest that you apply for medical insurance through the Affordable Care Act (Obamacare). If you apply within sixty days of losing your Medicaid, you won’t have to wait until the annual open enrollment period at the end of the year. Depending on your income, you may be eligible for government subsidy to help pay the premiums. You can get more information at http://www.healthcare.gov.

      Sincerely,
      Kay

  63. TerryLynn says:

    I’m in MI. I’ve been on SSDI for many years due to schizo affective disorder. I also have bone degeneration, connective tissue disease & Marfan Syndrome. The first of the year I rec’d my statement from social security letting me know my new amount for 2015. $1,109.00 each month. Thestate has paid my deductible for mt medicare plus covers me w/medicaid. Okay here is my questions… Near the end if January 2015, Social Security sent me a letter stating my SSDI payments wull be cut due to nonpayment of medicare deductible. I would get $899.00 in Feb & $1004.00 from then on. The same day I opened that kick in the face I opened letter from State saying my medical is ongoing & approved. The state is paying my deductible. I called my caseworker to make sure. I filed a review. This is making me hear things.

    • Kay Derochie says:

      Dear TerryLynn,

      It sounds as if there has been a mix-up and that the state will be paying your Medicare premium; however, I suggest that you check with the state office that certifies the Medicaid coverage and tell them about the Medicare premium being withheld so that they can be sure it is not withheld in the future.

      Sincerely,
      Kay

  64. david says:

    Hi Kay, thx for your reply,

    One last question for you, I just want to clarify with you about my living situation.

    I live next door to my mom as I have stated, we live off grid, so im on solar and gas back up generator for my power. The only bills I pay is gas for the generator and propane for cooking and water heater. My heating is done with the wood stove, water is on a shared well, and garbage I drop off in town.
    So would my one propane bill (in my name) and gas receipts, plus my rent receipt work for a ssi increase?
    You probably already answered that in my previous email, but I was hoping for a more clear answer. Thx.

    • Kay Derochie says:

      Dear David,

      Yes, if the amount you are paying for rent is market value or near it and you pay your utilities, you should get an increase two months after you start paying the rent. Take the receipts including the rent receipt to Social Security, plus a letter from your mother that she would charge the same rent to anyone renting the unit you are in.

      Sincerely,
      Kay

  65. david says:

    in regards to my question above, i just wanted to clarify that im 43 yrs old and I live next door in my moms guest house. She now wants to charge me rent of 350.00 now that im getting ssi. in the amount of $488.00 . I have no other income other then that and I live alone.

    thankyou

  66. david says:

    hi I live here in Arizona and I was recently approved and just got my first check from ssi of $488.00
    I live alone next door to my mom separately. shes now asking for $350.00 per month from me for rent where as before she let me stay here at no charge. If her and I make up a lease agreement and show cash receipts upon my payment to her would I qualify for a ssi increase to the federal limit amount after two months?
    Also ive been thinking about moving to a different location out of town into a shared house with others, but just renting a room for the same amount of $350.00.( utilities included.) would that qualify me as a ssi increase aswell?
    Any help would be appreciated thx.

    • Kay Derochie says:

      Dear David,

      If you rent a room or an apartment/duplex for fair market value either from your mother or someone else and purchase your own food either with cash or food stamps (and pay your own power, heat, water/sewer, and garbage bills if they are not included in the rent), your benefits will increase to the maximum amount of Supplemental Security Income (SSI), assuming you have no other income. The increase will occur two months after you start paying your own shelter and food expenses.

      Sincerely,
      Kay

  67. Gilbert Morin says:

    Hi. I receive SSI payments of $1,085 every month. Am I entitled to the SSD payments? I have worked for most of my life up until my disability around 2004. I’m 54 years old and can hardly make ends meet with the check I receive. I’m looking for ways to increase my income. Working is out because of my back problems and partial removal of my right lung and arthritis. Any help would be appreciated. I live in Texas if that matters. Thanks.

    • Kay Derochie says:

      Dear Gilbert,

      I think that you may have misstated the type of benefits you get and the type you are inquiring about. $1,085 is a higher amount than is payable in Texas under the SSI (Supplemental Security Income) program. I believe that you are already receiving Social Security Disability (SSDI) based on your work earnings. I suggest that you look at our approval letter. If it says Retirement, Survivors, and Disability across the top, you are already receiving Social Security based on your work earnings and the benefit is too high to receive SSI.

      If you have not already, you might apply for SNAP (food stamps) at your state or county human services department. You could also apply for government-subsidized housing though there is usually a long waiting list. Your power company or phone company may offer some assistance to disabled individuals with low income. You might also look into whether you can get a subsidy on the premiums for your Medicare costs. Search on the internet using “Medicare Assistance.”

      Sincerely,
      Kay

  68. rod says:

    I cant comment on none of this because you people don’t seam to know the difference between Social Security Disability or Supplemental Security Income or what you are getting, SSI IS FROM YOUR STATE , SSD IS FROM YOUR WORK CREDITS THAT YOU PAID IN F.I.C.A

    • Kay Derochie says:

      Dear Rod,

      Supplemental Security Income (SSI) is only from the state if your state has an SSI state supplement, which many states do not. Even then, in most cases SSI state supplements are paid in addition to a federal Supplemental Security Income (SSI) payment. Occasionally a person’s income will be too high for a federal SSI payment but low enough for a state SSI payment so that the person receives only the state supplement.

      Otherwise, you are correct, Social Security Disability benefits are based on having paid FICA payroll taxes or self-employment taxes on work long enough to be insured for benefits and the amount of the benefit is based on the amount of FICA taxes paid.

      Sincerely,
      Kay

  69. Joyce says:

    I’m disabled and wanted to know if I were moving into another place to live where my living expenses will exceed my income, will social security supplement my previous income amount in order for me to be able to meet my living expenses?

    • Kay Derochie says:

      Dear Joyce,

      Social Security Disability benefits are calculated based on your work earnings history, not your expenses. Supplemental Security Income (SSI) benefits are calculated based on your other income, including in-kind (non-cash) support and maintenance in the form of free or subsidized food or housing. The only exception is that government subsidized housing and food stamps to not affect SSI payment amount. Expenses are not a factor in SSI payment calculation.

      Sincerely,
      Kay

  70. tammy says:

    My question is that i receive SSDI for the last 2 years, is my husband and 2 stepdaughters suppose to draw SSDI too?

    • Kay Derochie says:

      Dear Tammy,

      If your stepchildren were financially dependent upon you at certain points in time, they may be eligible for benefits. If you have provided more than half of their support in the past, I suggest that you visit a Social Security office and discuss filing an application for them. Your husband could be eligible if the children are eligible or he is age sixty-two or older.

      Sincerely,
      Kayu

  71. Kaila says:

    My question is- I’ve been on SSI disability since 2010 and I am now 6 months pregnant i was wondering do I need to tell the office and will my income increase after i have him?

    • Kay Derochie says:

      Dear Kaila,

      When the child is born, you need to report the change in your living arrangements (number of people in the household). Having a child will not increase your SSI because SSI doesn’t pay dependent benefits. You might contact your state or county social services agency and inquire about Temporary Assistance to Needy Families to see if you qualify for some additional help or WIC food vouchers.

      Sincerely,
      Kay

  72. Deb says:

    I also receive social security disbability due to many chronic illnesses. That’s why I live with my daughter.

    • Kay Derochie says:

      Dear Deb,

      If your grandnephew’s mother is receiving Social Security benefits (not Supplemental Security Income), you or your daughter can go to Social Security and explain you have had custody of the child for eight years. Inquire whether benefits are payable on his mother’s earnings record and, if so, apply for the benefits and to be representative payee for the child. You may need her Social Security number and you will need the child’s number. If you can’t get to an office, call 1-800-772-1213 and explain the situation and ask to file a claim.

      Sincerely,
      Kay

  73. Deb says:

    My daughter and I have had my great nephew for 8 years and just found out his mother now receives social security disability checks out of state. Is he eligible to receive a check from her social security?

  74. joyce squires says:

    Would my disability go up if I were to move from Missouri to Florida? If so how much?….Thank you..

    • Kay Derochie says:

      Dear Joyce,

      To answer your question, I need to know whether you are receiving Social Security Disability (SSDI) or Supplemental Security Income (SSI) disability.

      Sincerely,
      Kay

  75. diane says:

    I have been recieving SSI disability for the past year. When I recieved my lump sum i used it to purchase a mobile home to live in. Now i was contacted by a lawyer from my former employer stating i have to repay that lump sum back to my former employer. Have you ever heard of anyone having to pay their lump sum back?

    • Kay Derochie says:

      Dear Diane,

      If you received short-term disability (STD)or long-term disability (LTD) benefits from an insurance policy sponsored by your employer and you were approved for Social Security Disability (SSDI) for months overlapping with the employer-sponsored insurance, it is likely that you have to repay the insurance company at least some of what they paid you. If, on the other hand, you were approved only for Supplemental Security Income (SSI), you probably are not overpaid STD or LTD. Get a copy of the full STD and/or LTD policy to check the policy provisions. If you are overpaid, you may be able to set up a repayment plan.

      Sincerely,
      Kay

  76. Aly says:

    Hello again,

    I have one other question, which was what brought me to your page in the first place…

    Even though I get SSDI, I have been working part-time since getting starting benefits in 2011. It’s not much, 10 hours a week or so of office work @ $11/hr but it helps and keeps me sane :-). I have sent in all my paystubs, receipts for medicine and related dr’s co-pays so I have not had any issues with being “gainful.”

    When my benefits were initially calculated, they (I think, for looking at my earning record online) included 3 years of $0 when I didn’t work. I have had some income each year since 2011 (Not sure if this matters but it was around 2011- $3,000, 2012 and 2013, $10,000 and this year will be about $4,000 because I got sick again).

    I asked SS last year about any benefit increases due to my continuing to work. They said a computation is automatically done in March & October. My benefit has not increased except for COLA’s, and since Oct just passed, it looks like it didn’t go up at all again.

    If I continue to work small part time hours like this, is it likely that my check will EVER increase based on these earnings? SS taxes get taken out of my paychecks and I earn more “credits” every year. It just seems like factoring something for income instead of $0 would lead to some increase, but I don’t really know how it works. Thanks again.

    • Kay Derochie says:

      Dear Aly,

      The Social Security benefit formula is complex. I would have thought that your years of $10,000 might have increased your benefit. I suggest that you request an earnings record to be sure that the earnings are posted.

      Sincerely,
      Kay

  77. Aly says:

    Kay,

    I am wondering if you can please ask a question for me:

    I receive SSDI. I have two children who also receive a dependent benefit due to my receiving disability benefits. My check is around $1,200 and their total allotment is about $600, so they each get around $300/month.

    I recently found out that I am 5 weeks pregnant. Do I wait until the baby is born to file a dependent benefit application (I am thinking that’s how it works).

    I understand with the family maximum amt, the dependent amount won’t really change and that it will now get divided between 3 kids.

    However, the main reason I ask is because my son was approved for SSI was getting it for awhile and then it was suspended a 3 months ago due to the deeming rules and in an increase in my husband’s salary which made him ineligible. But, when considering the new baby as an increase in our family size and an allocation for him/her and the decrease in my two other children’s checks, it may make him eligible for benefits again.

    Assuming this was the case, would it be recalculated when the baby is born? Is there any retroactivity prior to his/her birth? I have been receiving benefits since 2011, but both of my children were born, so there benefits started in April 2011 along with mine.

    I was told when his benefits were suspended that they stay that way for a year, then he gets terminated and we would have to re-apply. His benefits were stopped August 1st and I am due in July, so that’s why I was wondering about any retroactivity before the baby is born.

    Thank you!

    • Kay Derochie says:

      Dear Aly,

      If the additional child in the household and decrease in your disabled child’s direct income causse him to be financially eligible for SSI again, his eligibility would begin the month after the child is born.

      You will probably have to file a new claim for him in July because he will be ineligible for twelve months (August through July) unless the baby comes early in June. The only retroactivity will be back to the month following the month the baby is born or the month of application, whichever is later.

      Sincerely,
      Kay

      • Paul says:

        Hi Kay I’m recently divorced I only make 494 on 1 check 189 on the second check why haven’t I received a raise on my SSI

        • Kay Derochie says:

          Dear Paul,

          It takes two months after a change in income for benefits to increase. For example, if you divorced in June and your benefit was reduced due to your spouse’s income, your SSI benefit should increase in August. If two months have passed since you last lived with your spouse and at least two weeks since you reported the change, I suggest that you follow up with your local office.

          Sincerely,
          Kay

  78. Melissa Bailey says:

    Hello, my question is this..

    My husband is on soc sec Disibl. He gets 771 a month. I am still currently employed. Can he draw off of my earnings? We have been married for 16 yrs. I know that my earning have been more than his the whole time.ds

    thanks so much

    • Kay Derochie says:

      Dear Melissa,

      For your husband to receive benefits from your Social Security earnings record, you must be receiving Social Security benefits or be deceased.

      Sincerely,
      Kay

  79. shay says:

    I get $721 for myself monthly I have a 4month old son can my benefits be raised or no because I heard alot of different things if not what’s the purpose of reporting it if no increases will be made for me having a child?

    • Kay Derochie says:

      Dear Shay,

      Please see my response of a few minutes ago. If you need additional financial help, you might apply for the WIC program which helps with food costs.

      Sincerely,
      Kay

  80. Denise says:

    Hi, I been disabled since 2001 and I filed for my Social security in 2011. I attained a lawyer. I have a back problems and in the process I developed breast cancer. When I received my benefits of 721.00 in May of 2013, I was told by Social Security that I was suppose to receive a check on the 1st and the 3rd, but I only receive a check on the 3rd how can I get my check my on the 1st, I receive SSDI. Is there something I can do to get my SSI, I just turned 50yrs old Oct 2. Is there any way to find out if I’m suppose to receive this check. Thank You.

    • Kay Derochie says:

      Dear Denise,

      The information you are providing is a bit confusing. $721 is the maximum Supplemental Security Income (SSI) payment, so I think that is what you are receiving. It is paid on the first of the month. Some Social Security Disability benefits are paid on the third of the month. It is possible that your Social Security benefits are still being calculated and processed for payment. I suggest that you ask for clarification from your Social Security office.

      Sincerely,
      Kay

  81. Devika says:

    Hi my son was approved for disability on October 1,2014 because of his autism.
    He only receives $421 could and how would his benefits go up? And how long would it take to get his lump sum check?
    I get paid weekly at my nursing job. How much could I make so that it won’t interfere with his check?

    • Kay Derochie says:

      Dear Devika,

      From the information you have provided, I assume that your son is an adult. My comment is based on that assumption. It appears that our son’s Supplemental Security Income (SSI) is being reduced because he is not paying his share of shelter and food expenses. His lump sum should arrive within a month of the monthly payments starting.

      When your son gets his lump sum, his SSI can be increased if he uses part of his lump sum to pay his share to shelter expenses (rent or mortgage and utilities excluding phone and cable) and his share of food or he purchases food separately. His share is the total expenses divided by the number of people in the household. His SSI benefit will be increased two months after he starts paying his share.

      Sincerely,
      Kay

  82. Abby says:

    My 30 year old husband currently is receiving SSDI and is continuing to work, currently earning about 10,000 a year. Each year his benefit goes up. He started receiving SSDI about 3 years ago. In the first few years it went up about 200 dollars every year. Last year it went up about 50 dollars a year. Is there any way to know how much it will go up each year for certain or how much the kids benefits will go up? It’s always a guessing game as to what the increase will be.

    • Kay Derochie says:

      Dear Abby,

      The increase for additional earnings will be different each year and not predictable, partially because your husband’s earnings may vary, but also because the formula is complicated and the variables in the formula change with your husband’s age and total earnings thus far and number of years worked.

      Sincerely,
      Kay

  83. Kathy Goedde says:

    I was assaulted nine years ago at the hospital. I was fired for “disability”. I’m getting a small “disability income” for the 55 years that I’ve worked. This has not increased. The last time the government bothered to contact me, they said that I would have gotten around $900/month. Without a job, I can’t collect unemployment, and I’m barred from working for a decent income. Will I get more than that when I turn 62? Can I get more for “disability” when I apply, if I’m alive then.

    • Kay Derochie says:

      Dear Geoedde,

      Please clarify a couple points for me so that I can respond. Is the disability income that you receive Social Security or a hospital disability pension? If the pension is from the hospital, is the hospital a public employer?

      Thank you,
      Kay

      • Kathy Goedde says:

        None of the these. The tiny pension is from the state that I had worked for 21 yrs. I never worked for any type of hospitals. The only lawyers that I contacted will not sue any medical industry people. So the hospital will have no responsibility ever.
        Even though I was fired for “disability”, I don’t have the money to go to more doctors, so I cannot get ssdi. Even if I could get another label, will this get any decent employment? Is there any benefit of having another label? I’ve been barred from working since I’ve been fired and the money that I’ve worked for is nearly gone.
        Thank you for any help that you can provide.

        • Kay Derochie says:

          Dear Kathy,

          I cannot comment on “labels” because I do not know what you are referring to. If you wish to return to work, I suggest that you contact your state’s Department of Vocational Rehabilitation for guidance. the information I gave about government pension offset against Social Security benefits still applie.

          Sincerely,
          Kay

  84. manuela madrazo says:

    If I had 2 kids before I started collectin g disability and 1 child whilei was collecting benefits will I have a increase to my 721?

    • Kay Derochie says:

      Dear Manual,

      I assume from your payment amount that you are receiving Supplemental Security Income (SSI). SSI does not pay any benefits for dependents.

      Sincerely,
      Kay

  85. Danielle says:

    Kay,

    My son is 11 years old and has been receiving SSI for 2 years, I am a single mother with two other children. We are not eligible for any type of help from DHS as I make just right at the median when they factor in his SSI payment. I’ve been saving to move into a new home, something where he can have his own room etc… Its going to significantly raise our house payment, will this affect his payment amount?

    Thanks for your help.

    • Kay Derochie says:

      Dear Danielle,

      Your moving to more expensive housing will not change your child’s Supplemental Security Income (SSI) benefit. His payment amount is determined by family income, including in-kind (non-cash) support for shelter; so if someone besides you pays for the house, his SSI could be affected.

      Sincerely,
      Kay

  86. jean says:

    hi ive been recieving ssdi since i turned 18 (over 6 years ago) my benefits are currently at $903 per month i have been working on and off during this time, my disability and frequent moving (living on your own is expensive and i have no family and few close friends) making keeping a long term job difficult my fiancee and i found out we are pregnant this past spring, i lost my job this summer so i am worried about finances (im due in 6-8 weeks) does having a dependent (infant) qualify me for an increase in benefits? if so who should i speak to about it? thanks so much – jean

    • Kay Derochie says:

      Dear Jean,

      As soon as your child is born, apply for dependent benefits for the child either at a Social Security office or by mail. You can initiate a mail application by calling 1-800-772-1213. Your benefit may be high enough for payment of a dependent benefit.

      If you have not already reported all your work activity, you need to do so because work activity and earnings are considered in determining whether you continue to be disabled according to Social Security law. Unless you have recovered medically, usually earnings of less than $1,070 are not considered substantial and benefits continue. If your earnings are over that amount, Social Security has a return-to-work incentive programs that allow continuation of benefits for a period of time while you attempt to work. In any case, starting and stopping work needs to be reported.

      Sincerely,
      Kay

  87. William says:

    Hi I live in georgia and I don’t know whether I recieve ssi or ssdi. My benefits are 682 a month. I live with my parents and I pay them living expenses out of my check. I want to move out on my own. I can get a place for 450. Can you tell me if and how much I could get for help on living expenses. Thanks

    • Kay Derochie says:

      Dear William,

      If you receive Social Security Disability (SSDI), your moving to live alone will not change your payment amount. If you are getting Supplemental Security Income (SSI) and it being reduced because you are receiving subsidized housing from your parents, your benefit might go up two months after you move out if you pay all your own food and shelter costs at your new address. The maximum federal SSI payment is $721. You can call Social Security at 1-800-772-1213 to find out what type of benefits you receive.

      Sincerely,
      Kay

  88. Mike says:

    Hi, My brother just started getting his checks for SSID, he gets less right now around $400 cause he lives with my parents ( there his payee). He would get more if he paid rent, bills etc. My question is since he lives with my parents and they pay all the bills, can they get that money that is being withheld? Close to $200 a month. Also his back pay was less also because my parents pay the bills, are they eligible to get that money that was taken out of his back pay almost $200 a month? Since they have been paying for all his living exspensive. Basically can they get the money that’s being taken out each month or the back pay that was taken out since they were paying exspensives. Thanks in advance

    • Kay Derochie says:

      Dear Mike,

      Your parents are not due any Supplemental Security Income (SSI) payments. The SSI program was established to provide basic needs including housing and food as well as clothing, persona hygiene, and medical and dental care for disabled persons and people age sixty-five and over who have low income and few assets. If a person is receiving free housing and/or food, then the SSI program does not pay the full amount because part of the basic needs are already being met.

      Sincerely,
      Kay

  89. A. Danielle says:

    Hi there,

    I have a question that I can not seem to get anyone to answer without conflicting information. I applied for SSDI in Missouri where I was approved. I started receiving my first benefits in January of 2013 which happened to be the same month my husband informed me he wanted a divorce so we were divorced by June of 2013 and I moved out of Missouri to California. The cost of living out here in the Bay Area (Oakland specifically) is clearly much different than in Missouri.
    Do you know if there is any way for me to get an increase or adjustment to raise my monthly amount? They were taking out the money for my Medicare so I was only receiving $782 a month but CA is now covering that cost so I am now taking home $887 a month which was just raised from $782.00.

    However, just my rent with 3 roommates is $563 each and that does not include any utilities like water, gas, or electric which raises my total monthly bills out here to almost $700 at times. This does not include food (I am going to apply for food stamps but have been going to a food pantry) or gas (so I’ve been taking the bus on my reduced fair pass as much as I can) nor does it take into account my copays for my doctor appointments or prescriptions. I have only been able to see one of my doctors so far who is working with me with my Medicare.

    I know that SSDI is based on your working income prior to becoming disabled but does something like the big difference in cost of living from state to state play any role in whether or not I could get an increase in benefits?

    Thank you,
    A.D.L

    • Kay Derochie says:

      Dear Danielle,

      Social Security benefits are the same regardless of where you live. The only increases that you can expect are cost-of-living increases in years that the Consumer Price Index increases. You are slightly over the California SSI State Supplemental income level, which is $877.40 so you are not eligible for that assistance.

      Sincerely,

      Kay

  90. DOROTHY Dolan says:

    Hi,

    My sons SSI payments began in Illinois a year ago. the amount was lower because he was not paying rent. We have now moved to Nashville to attend a certificate program and will be paying rent. I went to the SSI office, showed them the rent, and asked for an increase to help cover the rent. Since his living situation changed, Illinois stated that we should get an increase in SSI to cover rent. Tenn. SSI is telling us no because the rent is too high and he cannot pay half. So SSI will not increase any amount to help cover rent because he can’t cover half. I don’t understand this. What can I do or present to SSI so he can get an increase in SSI.
    Thanks

    • Kay Derochie says:

      Dear Dorothy,

      Please tell me your son’s age, in whose name the rent is, and who all is in the household in Tennessee. Then perhaps I can offer some guidance.

      Sincerely,
      Kay

  91. Jesica says:

    BMy name is Jesi, I became disabled in 2009 when after having my first child it was discovered that i have an incurable kidney disease. After three years i finally started to receive benefits of just over 900$ a month. Since then i have had one more child, which because the pregnancy was so high risk afterward my tubes were tied. But my benefits have stayed the same. I do have a husband but he has been unable to keep a job due to my frequent hospitalizations. So i am trying to support a family of four and rent and all of our bills are paid from my benefits but it just isnt enough, i cant afford diapers, clothes, let alone luxaries of any kind. I suppose my question is should my benefits have increased after the birth of my last child?

    • Kay Derochie says:

      Dear Jesica,

      You have to file an application for your second child to receive Social Security Dependent benefits. If your family maximum is not already being paid out an additional amount will be paid for the second child. I suggest that you file the application to avoid potential loss of back benefits.

      Sincerely,

      Kay

      Sincerely,

      Kay

  92. Jan says:

    My husband is 63 and retired from the government in 2009 after 37 years of service. He did not pay into social security but had met his quarters from previous part time jobs as well as the Navy Reserves where he retired after 20 yrs. in 1997 and is receiving a small retirement pension. He is also receiving a small social security check. Since I will be getting a disability check, will my husband be eligible to receive a spousal social security check?

  93. Whitney says:

    Ok, my questions are kind of confusing because I don’t understand a lot about social security benefits or ssi. Ok, my father started receiving Social Security benefits when I was about 12-13 years old, and my mother started getting benefit checks (for me bc I was a minor) well she got 2 regular checks and then one very small check, she went to the office and they said that my father was over paid so they cut my check out, well she always gets a tax form at the end of the year showing that taxes was took from the checks ,that I DID NOT receive. Well my dad got all the money they over paid him, paid back really fast and they still never gave my benefits back and we tried going down there and they won’t take the time to even try to look. I recently signed up for SSI and there was a lady that called me and got more info off me, she asked about me receiving benefits from my dad, and I tried explaining this to her, she said I was entitled to the money I never received , well about 10 minutes later the phone call dropped and I didn’t know her exact number and I called and they couldn’t transfer me back to the lady, and none of the others I have talked to tried to help. This has bothered me and my mother for years, and before my dad passed away it did him as well. If there is any info you can give me on this situation, it would be greatly appreciated!! I’m sorry I tried explaining this the best I could. Thanks

    • Kay Derochie says:

      Dear Whitney,

      Please tell me the following and I will see if I can provide some guidance about whether you might be eligible for additional dependent benefits on your father’s record.

      1. How old are you now?
      2. Are you disabled?
      3. If so, how old were you when you became disabled?
      4. If you are disabled, are you getting Supplemental Security Income (SSI) or do you have a pending claim?

      I can clarify the tax withholding now. Taxation is on a gross benefit before collection of an overpayment because you “got” the money and it was used to pay a debt. (It is the same as if you actually received the money and used it to pay off a credit card.) Also, if your father was overpaid, then you probably were not eligible for benefits the same months for which he was overpaid, so you were probably paying back your own overpayment.

      Sincerely,

      Kay

  94. Carla west says:

    My son is 15 and just got eligible for SSI but due to myself working he does not qualify for the full benefits. Why does he not qualify and why aren’t my utilities, car note and rent deducted from my income? Also, I was told that they go by my GROSS INCOME instead of my NET PAY, I’m just confused and need a better understanding. Thanks

    • Kay Derochie says:

      Dear Carla,

      Expenses do not determine Supplemental Security Income (SSI) payment amounts.Parents are deemed (considered) financially responsible for their children; therefore, after a certain amount of your earnings are set aside for your support and the support of any other minor children you have, the remainder is considered available for support of your disabled child. The allocation amounts for a parent’s support are the same for all parents.

      Sincerely,

      Kay

  95. Patrice says:

    I was just told by a rep from SS that my SSI will not change if the cost of living has gone up where I live. My roommate has gone up on the bills because the Mortgage went up and I need to pay a little more I receive 481 from SSI is this true? I also wanted to move into my own place but I can’t afford to receiving that amount. But will my SSI go up if the cost go up are if I move into my own?

    • Kay Derochie says:

      Dear Patrice,

      An individual’s expenses going up will not increase a Supplemental Security Income (SSI) payment. If you pay your share of the shelter costs (mortgage, taxes and utilities, excluding phone) and buy your own food or pay your share of the food, your benefit can go up to $721. If there are two in the household, your share is one-half. If you move into your own place and pay all the shelter and food costs yourself (government-subsidized housing and food stamps don’t count to reduce SSI), your benefit will also go up.

      Sincerely,

      Kay

  96. bo says:

    Will SSI increase moving from al to az?if so how much

  97. Christy says:

    Hi Kay,

    I realize that SSD monthly payments go up only if there is a cost of living increase even though the disabled struggle even more with the increased cost of everything anyway every year with things such as food, gas, medicine, bills etc.

    I think it was around $5.00 or something ridiculously low considering cereal cost that much.

    I understand yearly you will not always get an increase, but is there a way I can estimate what my payment will be in 20 years?

    Is there a estimate calculation somewhere that if you are earning X now and 12 of the 20 years there is an increase, you can estimate that your monthly payment will be …………

    Also, has the cost of living increases in the past ever amounted to anything that could actually help with “our real life cost of living expenses?”

    Thank you, Christy

    • Kay Derochie says:

      Dear Christy,

      Cost-of-living adjustments (COLAs) are tied to the increases in the consumer price index. If there is inflation in one year that results in an increase, then the following year there is a COLA. The largest increase since 1984 was 5.4%; some years there has been no increase. You can go to the following link http://www.ssa.gov/cola/automatic-cola.htm, calculate the average COLA from 1984-2014, and use that as the multiplier for each year for twenty years in the future. Note, however, the result may not match what really happens.

      Sincerely,

      Kay

  98. Javier says:

    Hi I’m getting 597 for SS and 65 for ssi I live withy parents… I was planning moving to a studio renting at 550 if I move in and live alone would my SS go up since I wouldn’t make it with the money receiving right now?

    • Kay Derochie says:

      Dear Javier,

      If you move to live alone and pay your own expenses and you have no other income, your SSI could go up. Between the two, Social Security and SSI, you can receive $741 gross. If you have no other income and $597 is your Social Security before withholding for Medicare premiums, then your SSI could go up to $144. Note that the increase would occur two months after the change. If you moved out on April 30 and paid all your own expenses in your own apartment in May, your SSI would increase in July.

      Sincerely,

      Kay

  99. Jamie says:

    Hi I was wondering if i got married to my kids mom would my SSI benefits be increased?

    • Kay Derochie says:

      Dear Jamie,

      If you receive Supplemental Security Income (SSI), your benefits will not increase because of your marriage. SSI is paid only for the disabled person. If your children’s mother has income and you get married, her income will be considered in determining your SSI payment amount. A portion of her income will be allotted for her support and for the support of your children. Also, if her income is earned from work, part of it will be excluded as a work incentive. If any is left over after the exclusions and allotments, that amount will reduce your SSI payment. You could make an appointment with Social Security and give them the amount of her income and of any income your children have, so that they can give you an estimate of the impact marriage would have on your SSI benefits.

      Sincerely,

      Kay

  100. Stephanie says:

    Also I know I am getting 275 because SS counts my SSD except 20 bucks.. so the most ssi i could get is 721-446=275… so is that all I can ever get or can it increase?

    • Kay Derochie says:

      Dear Stephanie,

      Your total income–Social Security and SSI–will go up annually in years that there is a cost-of-living increase. Increases are given if the consumer price index for the prior year shows an increase. Increases if any are announced in December and are seen in the checks received in January.

      Sincerely,

      Kay

  101. Stephanie says:

    Dear Kay,
    I am 21 years old living with my parents and am receiving both SSI and SSDI. I plan on moving out hopefully sometime in the next few months. My only problem is I feel like I’m not getting nearly enough money to move out on my own. I had a daughter almost one year ago and was wondering if I could claim her on my disability and/or get an increase to better support her? Also wondering if my SSI would go up once I move out and how much. I already got an increase a few months ago because my mom, my representative payee spoke with the state and informed them I am helping out with bills. I receive 275 for SSI and 466 for SS.
    Any information you give me would be greatly appreciated! Thank you.
    -Steph

    • Kay Derochie says:

      Dear Stephanie,

      Your Supplemental Security Income (SSI) will not go up when you move out because you are already receiving the maximum amount, given the amount of your Social Security. You might investigate subsidized housing and/or food stamps to make such a move possible.

      Your Social Security Disability benefit (SSDI) is fairly low, so it is possible that no dependents benefits are payable; however, you should inquire. If benefits are payable, they would have to be paid to the person who is taking care of the child. Also, as long as you have a representative payee yourself, you cannot be payee for your child even if she lives with you.

      I recommend checking with Social Security before the end of the month in order not to potentially lose benefits for your daughter. The first thing to do is to contact Social Security to determine whether your family maximum is higher than your Social Security primary insurance amount (your benefit). If it is not, no dependent benefits are payable. If it is higher, then the next step is for you and the person who has custody of your daughter (or your mother, if you do) to submit a request to have benefits paid. If the child was born after the first month for which you received benefits, then there is a maximum of six months retroactivity. If she was born before you applied and you listed her on your application, you could request more retroactivity. It would be granted only if your Social Security file shows that the Social Security Administration never contacted you about completing the final paperwork for dependent benefits (that is, you didn’t fail to purse benefits back then).

      Sincerely,

      Kay

  102. Michelle says:

    I am 26 years old, and have been on permanent disability for a few years. I am also on SSI, but since I lived at home with my parents the amount was reduced. I have since moved out, and was hoping you could help guide me in getting the SSI increase. I was told that my amount would increase once I lived away from home, to compensate for the room & board, etc, that my parents helped with. Also, is there an increase in the SSDI income now that I’m out on my own? Thank you in advance, your website has been a real help!

    • Kay Derochie says:

      Dear Michelle,

      If you are now paying all your shelter and food expenses (with or without food stamps), your SSI will go up two months after you start to pay your own expenses. You need to make an appointment with the Social Security Administration to report the change. Take your rent receipt to prove your address and to prove the fact your are paying your own rent. Your SSDI will not go up.

      Sincerely,

      Kay

  103. Allison says:

    I became disabled at age 20. From what i understand disibility is dertermined by what you made while you were working. Well i was in high school working weekends in a resturant. I collect disibility, SSI, and SSP and bring in a total of $526.20 a month. I do not collect the full amount of SSI because i still live with my parents. My soon to be husband makes $10.40 an hour and works 40 hour weeks. He also still lives with his parents. I was told that when I marry him or if I move in with him, his income will be factored into what i earn and it’s possible to lose some more of my income. I feel it is impossible to move forward with my life. I know I can get section 8 housing and my SSI will increase if I move out, but i would have to live alone, so his income is not factored in. I need help in getting my disability higher, I do not think it’s far to judge what i earned in high school as to what i should earn for the rest of my life. I am young and I can not work. I still want to live with my soon to be husband, and have kids one day. How can I ever afford a normal lifestyle?

    • Kay Derochie says:

      Dear Allison,

      Being disabled does pose financial challenges.

      If you marry and live with your husband, his income will be evaluated to determine whether you are eligible for Supplemental Security Income (SSI) and, if so, for how much. If you have children, part of his income will be allocated to the support of the children. This means that if you are initially ineligible for SSI because of his income, you might qualify later once you have children. If you live together and are not married, his income will not affect your SSI; however, if you do not pay your share of the rent, utilities, and food, you will continue to have some reduction in the amount of your SSI.

      Marriage and your husband’s income will not affect your Social Security Disability (SSDI). The amount of SSDI you receive is based on earnings your have lost, that is, earnings you had before disability began–not on family income or on potential future earnings.

      Sincerely,

      Kay

      • Allison says:

        But my judgement was made on the income I collected while waiting tables on the weekends during high school. Is there any legal action I can take to raise my social security disability?

  104. zerick waites says:

    I was found under the adult disable child with the year dated 8/91 will they pay me back pay from that year? I am all ready on SSI

    • Kay Derochie says:

      Dear Zerick,

      Your eligibility for disabled adult child’s benefits will begin the later of twelve months before your date of application or the date that your parent became eligible for Social Security benefits or died. Your Social Security back pay will be reduced by the Supplemental Security Income (SSI) you received for the same months as your retroactive Social Security eligibility.

      Sincerely,

      Kay

  105. Darlene Harless says:

    Since applying for and getting approved for SSI, I have more disabilities, is there any way to get a raise from SSI? I receive
    700. a month and that just pays for my prescriptions. There is nothing left after that. It just seems so unfair that I can’t contribute to our house payment and we live from paycheck to paycheck. My husband works full time so that cuts out any help from social services or medicaid. I have had 6 spinal surgeries and the last one which was a major fusion failed. I am physically unable to work now, and am in chronic pain all of the time. If I can somehow qualify for an increase in my SSI could you please let me know? Thank you very much,
    Darlene Harless

    • Kay Derochie says:

      Dear Darlene,

      Neither Social Security Disability or Supplemental Security Income (SSI) pays benefits based on the number of disabling conditions you have, so a decline in your health will not increase your benefits.

      You mention that you are receiving SSI and you are getting $700 a month, so it sounds as if you are receiving SSI. But, you also say you are not eligible for Medicaid. Medicaid eligibility requirements vary from state to state, but often, if you are eligible for SSI, you are eligible for Medicaid by virtue of your SSI eligibility. If you are receiving SSI, I wonder if you have applied for Medicaid since you became eligible for SSI.You might also check with large pharmacy chains or grocery store chains with pharmacies. Many provide very low cost prescriptions of some of the more common generic medications.

      If you are receiving Social Security Disability (SSD), then after twenty-four months of benefits, you will be eligible for Medicare, which includes the option of enrolling for presecription coverage.

      Best regards,

      Kay

      • Darlene says:

        Here it is 2014 and thank you for your reply, I am not eligible for medicaid because my husband makes over 15,000 a year. I do have SSI and do have Medicare, however that is like a drop in the bucket towards healthcare. I also have United Health Care presciption coverage through medicare, it is free but only works well with generic drugs. My celebrex and cymbalta with the insurance cost over 470. The insurance is only good for 6 months then the government puts you in a no help zone they like to call “the donut hole” which all SSI recipeints go into during the month of June. We called RX help tonight to see if I could get help purchasing cymbalta, but because I have United Health Care thru medicare I am not eligible even though it cost over 200. out of pocket. There is no help for us. I am still searching, but not much is happening. I had a good job, I was a volunteer EMT/FF and had good life until something went wrong medically. Now I have nothing. The government has been no help. I am not the only one in this situation, its horrible and there are so many road blocks.

        • Kay Derochie says:

          Dear Darlene,

          You might check to see whether there is a Medicare supplement in the area that wraps prescription coverage into the package as many Health Maintenance Organizations (HMOs) do. Usually name brands are covered at a higher co-pay. November is open enrollment time and a good time to switch coverages. Try searching for Medicare supplementary insurance offered in your state. Some websites offer comparison charts and your state’s insurance commissioner’s office may be able to tell you a resource for researching. You might also ask your doctor whether there is a generic equivalent that would serve you as well as the name brands.

          Sincerely,
          Kay

          • brandy says:

            Hi I’m new to SSDI, I got a letter saying I was getting a specific amount of ‘back pay’ and monthly payments. I have been calling my lawyer and SS asking about when my back pay would start. I was told “after we make sure everyone else is paid then you will be paid.” per SSDI. that has been same conversation for past 6 months!!! I am losing money and since my income is over $700 I can’t get SSI. My lawyer has been very negligent in helping me (which I intend on reporting to BBB) and SS keeps telling me the same thing! the only people that should be paid are me and my attorney! The attorney has a copy of the list of documents they had to pay to get and it is close to $300. I told them I can’t pay them until I get paid! has anyone else had this problem?? I gave SSDI my correct checking information, but no check has even been issued. I need a vehicle and have 3-4 surgeries coming up. if anyone has had this problem, please help. I have to find a ride to SS office but this should be able to be rectified by speaking to some one right? thanks GOD BLESS
            Brandy

          • Kay Derochie says:

            Dear Brandy,

            All the local office can do is follow up to the payment center. It usually takes about two to three months after the Social Security monthly benefits start to receive the back pay. If the back pay is a very large amount, it has to go through multiple approvals.

            Sincerely,
            Kay

          • Cynthia T says:

            Hello Ms. Kay can Darlene, apply for SSDI now that she has major ailments and can’t work anymore? Or would the pay be the same as SSI?

          • Kay Derochie says:

            Dear Cynthia,

            There are many posts by people named Darlene. I do not know which one you are referring to. If you want to restate the situation and your question, I will try to answer.

            Sincerely,
            Kay

        • Ang says:

          I know this sounds bad but… Get a divorce. I know a couple that was having trouble making ends meet like you and they found a way to cheat the system so to speak. They got a divorce, they still live together and nothing has changed as far as their relationship goes. But because of the divorce they can get the medical help they need. The divorce allowed them to separate their incomes so that he could he medicaid. I know it seems horrible to most people but sometimes you have to do things you don’t want to do just to survive.

      • Darlene says:

        Maybe I should be asking this question, should I apply for Social Security Disability instead of SSI since my medical condition has declined in the 20 years since I started recieving SSI? Would that make a difference for me?

        • Kay Derochie says:

          Dear Darlene,

          I believe that you are receiving SSDI (Social Security Disability), not SSI (Supplemental Security Income). If your current benefit is over $741 per month, you are not eligible for SSI. If it is under that amount, your income and your husband’s income may also be too high for SSI.

          Sincerely,
          Kay

          • turieon Mitchell says:

            I get ssi get 488 and 83 state ssi I pay 275 for rent and my friend get 733 ssi and 83 state ssi she pay 275 rent , lights , gas if they raise my check will her’s go down we’re both on my lease she is co ed I’m the second renter

          • Kay Derochie says:

            Dear Turieon,

            If you split the rent, lights and gas equally and each buy your own food, your SSI should go up to $733 after two months of paying your share.

            Sincerely,
            Kay

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