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What is Supplemental Security Income Disability—also known as SSI—and how is it different from Social Security Disability Insurance, known as SSDI or SSD?

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See how Supplemental Security Income, aka SSI, differs from Social Security, how to get both SSDI and SSI, and how to apply for SSI disability.

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Watch the Video: "What are Supplemental Security Income Disability Payments?"

The Difference Between SSI and SSDI

Supplemental Security Income, SSI for short, is a Federal needs-based assistance program for people who are either disabled or over age sixty-five. The Social Security Administration administers both Social Security and SSI Disability, but some of the requirements for SSI eligibility are different from those for Social Security.

SSDI requires a certain number of work credits and payment of Social Security taxes. In most cases the SSI program does not require work credits. Only noncitizens in a certain immigration status must have work credits to get SSI. The SSI program, unlike SSDI, requires family assets and income to fall below a certain limit. It also considers living arrangements, including whether or not you are living in an institution, in determining eligibility and payment amount.

Another way that SSI is different from Social Security is that disabled children under age eighteen can receive SSI disability payments if their income and the assets and income of parents with whom they live are below the prescribed limit.

Yet another difference is that if you are approved for Social Security Disability for more than twenty-four months, you will be eligible for Medicare. SSI does not provide access to Medicare; but if you are approved for SSI, in most states you will be eligible for Medicaid in the first month of SSI eligibility.

SSI Definitions of Disability for Adults and Children

The definition of disability for adults who apply for SSI is the same as for Social Security disability. Our article “What Is Disability According to Social Security Disability Law?” explains the definition. The requirements for a disabled child under age eighteen are somewhat different. Social Security will determine a child is disabled if he or she “has a medically determinable physical or mental impairment or combination of impairments that causes marked and severe functional limitations and that can be expected to cause death or that has lasted or can be expected to last for a continuous period of not less than twelve months.”

Determining Eligibility for SSI

Because there are many factors involved in assessing financial eligibility for SSI, the most reliable way to find out whether you or your child is financially eligible for SSI disability payments is to contact the Social Security Administration or a Social Security Disability lawyer to file an SSI application. For more information about SSI, see our articles “What Requirements Do I Have to Meet for SSI Disability Eligibility?” and “When I Apply for SSI Disability, Why Does Social Security Require Me to Apply for Other Benefits?”

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428 Comments

  1. Martina Hernandez says:

    if I qualify for SSD and SSI can I get back pay for both programs?

    • Kay Derochie says:

      Dear Martina,

      If you qualify for SSD and SSI you can get back pay from both programs; however, not duplicate pay for overlapping periods. For example, you might get SSI for the first five months you were disabled, which SSD does not cover, but not get SSI for any later months. If your SSD benefit is less that the maximum SSI benefit, you might get SSD and reduced SSI. If your SSI is paid first, then your SSD would be reduced by the amount of any SSI paid for overlapping periods.

      Best regards,

      Kay

    • Richard Labombarbe says:

      Hello I am on social security income for disability low income persons I’m looking to move to or stay in Canada for a bit and am wondering if I can still get payments direct to my debit card thanks

      • Kay Derochie says:

        Dear Richard,

        It sounds as if you are receiving Supplemental Security Income (SSI). If so, you cannot receive benefits while you live or visit for more than thirty days in a foreign country. You need to report your departure date to Social Security. When you return, if you are not ineligible for more than twelve months, your benefits will start with the first full calendar month after you have been back in the U.S. for thirty days.

        Sincerely,
        Kay

        • arwin Santos says:

          We apply for a ssi but we recieve a letter stating that we are denied due to lack of qork credits does that apply for ssdi??

          • arwin Santos says:

            And can we re apply for ssi?

          • Kay Derochie says:

            Dear Arwin,

            Please see my response to your previous question. You do not need to reapply for Supplemental Security Income (SSI). Until you get a decision letter the SSI claim is still pending.

            Sincerely,
            Kay

          • Kay Derochie says:

            Dear Arwin,

            Yes, the letter is notifying you that you are not eligible for Social Security Disability (SSDI). Your SSI claim is likely still being reviewed.

            Sincerely,
            Kay

  2. austenZ says:

    hi kay, i have the same question. i won at my disability hearing a bunch of strange acronyms which i dont know the meaning of. so far i have gotten the first of several ssi payments installations, but i was told i would get backpay for 3 yrs of disability. i recieved really confusing information about it in a letter and have called twice the hotline and still have not got any clear answers as to whether im getting a diability backpay check or not.

    • Kay Derochie says:

      Dear Austen,

      Unfortunately, you have not provided enough information for me to offer you any solid reply. If you have gotten a letter and have an attorney or someone else who is good at reading business correspondence, I suggest that you have that person go over the correspondence with you. Or, if you live close to a Social Security office, you could take the letter into the office with you and have them explain the acronyms and the letter in general. (You may be getting monthly payments plus one or more installments on your back pay. If your benefits are Supplemental Security Income (SSI), then it is likely that your back pay for three years will be paid in three installments, each six months apart.)

      Sincerely,

      Kay

      • matt says:

        Hi Kay..
        I have a similar question.
        I won my ssdi case at the ALJ hearing stage. After 5 months i received around 8k and the accompanying letter stated that roughly 10.5k was held back for SSI because i qualified for SSI and could have been receiving SSI benefits during this time.
        I understand you can’t answer anything about my case specifically, but in general, would that mean at some point i COULD receive part or all of the held back money or is it gone forever because i COULD have gotten it in the past, but didn’t?
        I’ve called (of course) but no matter who i got on the phone, they couldn’t even give me a “probably” one way or another.

        • Kay Derochie says:

          Dear Matt,

          It sounds as if your Social Security Disability (SSD) back pay was reduced for SSI offset. This means that you should be getting an SSI back payment; however, if the SSI amount due is $10,500, it most likely will be released in three installments six months apart. If the Social Security Administration has not asked you for a financial update sometime after the ALJ approved you, I suggest that you call your local Social Security office (not the national call center) and ask for an appointment to provide whatever information is needed to release your SSI back pay.

          Sincerely,

          Kay

          • carolyn garrett says:

            I recieve ssi benifit in july 23 i will recieve ssd will my ssi stop and i will just get ssd or do i get both. Also i should get survivors benifit on my husband when will i find out about that im really confused i cant live on the monthly income they give me for ssd rent.lights is more than my check

          • Kay Derochie says:

            Dear Carolyn,

            For me to respond, I need to know the amount of your Social Security Disability benefit before withholding for taxes or Medicare premiums, if any, and also whether you have other income.

            Sincerely,

            Kay

          • Edlene says:

            Hi I received my sons back pay in payments just like u said… That’s money they owe me so is it okay that I spend the money I don’t pull it out I just shop at Kmart and local stores so the bank has the statements? They said its for his personal needs but he receives medical so I really don’t get it.

          • Kay Derochie says:

            Dear Edlene,

            I suggest that you go to Social Security and talk with them to get a better understanding of your responsibilities. In general you can use your son’s regular monthly benefits for housing, utilities, food, clothing, and other needs and comforts, etc. His money cannot be used for anyone else, including yourself. If the back pay was required to go into a Dedicated Account, the money can only be used for medical treatment and education or job skills training. If your son has school expenses, you could use the money for that. Otherwise, any other use has to be approved by Social Security in advance.

            Sincerely,
            Kay

  3. Brittany says:

    Hi Kay I had signed up for SSI last but they denied me but I didn’t appeal do I signed up for it again and they did a phone interview do you think I would get approved this second time cause I have anxiety and anti depression and wen I be around a lot of people I gets real nervous…

    • Kay Derochie says:

      Dear Brittany,

      I wish that I could predict whether you will be approved for benefits, but unfortunately I can’t.

      If you are denied on your second claim and you believe that you are unable to perform any kind of work on a regular basis, then be sure to hire an attorney who is knowledgeable in Social Security Disability law. You can reach a good Social Security attorney by calling Disability Advisor at 1-888-393-1010. You do not have to pay anything up front, and you will pay attorney fees only if you are approved for benefits. Social Security law sets the amount your attorney can be paid and the Social Security Administration pays the attorney directly from your retroactive award before sending the balance to you. So, it’s all very easy and risk-free.

      Sincerely,

      Kay

  4. Haydee says:

    Hi Kay,

    I was looking for some information on SSI and found this Website…Thank God! I have a few questions about SSI. I’m 54 yrs old and been on SSI since 1996. My husband died in 2007, and we were separated for a few years at the time of his dead. I wanted to know if I can get his SS instead of SSI. The amount of his SS is like $150-$200 less of what I receive from SSI. I’m just afraid that the SSI program might soon disappears with the financial crisis. On the other hand, having SS instead of SSI will give me the liberty to fly to PR and stay indefinitely in the event my parents need me due to their age and medical condition. How long can I stay out of of the country without losing my benefits anyway? I was reading on their Website something about it, but quite frankly, I couldn’t understand. I don’t know if I can stay out of the country for some time and then return and start getting my checks back again or not.

    Thanks for taking the time to read my post and I hope you can reply to it as soon as you can. Your advice would be greatly appreciated.

    Sincerely,

    Haydee

    • Kay Derochie says:

      Dear Haydee,

      If you and your husband were still married when he died, you can apply for Social Security Disabled Widow’s benefits. In fact, the Supplemental Security Income (SSI) program requires you to apply for all other benefits that you can receive.

      If your widow’s benefit is less than you are due on SSI, the SSI program will supplement your widow’s benefits. Stated another way, SSI will pay you the difference between the amount you would be eligible for if you did not have the widow’s benefit and the widow’s benefit. For example, if now you are eligible for the $710 maximum benefit and your widow’s benefit was $500, your SSI payment would be $210.

      SSI benefits stop after you have been out of the U.S. for thirty days and you must be back in residence in the U.S. for thirty days before they start again.

      Sincerely,

      Kay

    • jamie says:

      If my husband receives ssivand I become another persons payee will that affect my husbands benefits?

      • Kay Derochie says:

        Dear Jamie,

        Being payee for someone will not affect your husband’s SSI because the money that you control as payee is not your money and can be used only for the other person’s maintenance.

        Sincerely,
        Kay

  5. Krisha says:

    Hi Kay,

    I have a quick question.. Does the SSI federal benefits fall back a month? For example: if my daughter received her SSI benefits October 1st would those benefits be for the month of October or for the month of September?

    • Kay Derochie says:

      Dear Krisha,

      SSI (Supplemental Security Income) is paid for the month in which it is received. The October 1 payment is for October.

      Sincerely,

      Kay

  6. will i be denied for social security benefits if i return to work after i have applied

    • Kay Derochie says:

      Dear Charles,

      Whether or not you will be denied if you return to work while your claim is pending depends on how long you have been disabled before returning to work and how much you will be earning and whether or not you will have medical recovery or you are trying to work despite your condition. When did you become disabled and when are you considering returning to work? Will you be grossing $1,040 or more monthly if you return to work? Have you had a major improvement in the condition for which you are claiming disability?

      Sincerely,

      Kay

  7. Dolores says:

    I applied for SSI on 4/23/12 and was denied 60 days later. I then filed for a hearing in Nov.2012. During this time frame I did not work and had major surgery. In June 2013, I hired an atty and I just received a date for my hearing in Jan 2014. Now I read all the post about back pay and still can’t figure out how much I will receive. I have been unable to work since late 2011. My question is upon the ALJ approval of my case will I receive 12, 24 or 36 months of back pay? When I inquired at the local office no one could help me. I am in foreclosure and need to make a decision if I’m eligible for a large ant I may be able to save my home.
    I applied originally for ssdi and was told via letter that I didn’t qualify due to lack of credits. I’ve been working since 1974 I’m 49 now so I’ve paid into the system. My next question is how do I get partial ssdi and ssi? I’m short just a few credits but this seems unfair that I may receive $710 as opposed to my SSA printout which states if I become fully disabled my benefit would be $1696 a month. I also have a minor child he should also receive a benefit from my work history upon approval. But he has a separate ssi application pending also. Please provide alil guidance as to how to get my maximum benefits under all programs
    . Thank you

    • Dolores says:

      Just rechecked my file and here are the corrected dates concerning my application:
      Apr 2012 filed orig appl for ssdi denied
      missed aapeal deadline
      Aug 2012 new appl filed for ssi
      Sept 2012 denied then filed appeal for hearing
      in Nov 2012. Recd ltr Oct 2013 setting date of hearing for Jan 2014.
      Hope these exact dates will assist you in answering my questions.

      • Kay Derochie says:

        Dear Dolores,

        The response I left for you a few minutes ago is correct except that your SSI back pay will go back to August 2012, not April 2012. You will not be paid based on the April 2012 application, even if it was for SSI also, because you did not appeal in time.

        Best regards,

        Kay

    • Kay Derochie says:

      Dear Delores,

      It is unfortunate that you became disabled at a time when you were not insured for Social Security Disability, but there is no way to get partial Social Security Disability (SSDI) based on almost being insured. To receive SSDI you have to be fully insured and currently insured. Currently insured means having half (twenty) of the forty credits possible in the ten years immediately before you became disabled. At age 49, fully insured means earning forty credits in any period of time. (If you are fully insured, you will be able to receive Social Security Retirement when you reach retirement age.)

      It would be a good idea to look carefully at the earnings record you mention having. Look to see if each year seems like it has the right amount of earnings shown. If you still have your tax records, compare the earnings records with your W-2 forms to be sure all your earnings are posted, including the year you became disabled.

      If you are approved, SSI benefits will be paid for all months you were financially eligible back to your application in April 2012. Large retroactive SSI payments are usually paid in three installments six months apart. If you are approved, when you meet with Social Security to update your financial information, tell them that you are on the verge of losing your home and ask that they release the full retroactive payment so that you can catch up your mortgage payments. They do sometimes release full back pay in cases of hardship.

      Sincerely,

      Kay

  8. Sherry Morrisette says:

    Dear Kay
    Please tell me if I am a rep payee ($710) for my disabled grandchild, will I still get a full SSI benefit they say I’m approved for-minus my pension i receive??

    • Kay Derochie says:

      Dear Sherry,

      Your being representative payee for your grandson will not affect your SSI eligibility. The money you receive for him is his and you are charged with using it for his shelter, food, clothing, educational, medical, and other needs.

      Best regards,

      Kay

  9. Sherry Morrisette says:

    Thank you. I have been doing just that for almost 13 years as he has been on SSI since age 3..,I’m happy to say he is quite an artist winning a college scholarship at age 9 for art..winning art supplies and art classes and his work displayed in the university library. His disability had not deterred his talent.

  10. Robin S. Hoppes says:

    Hello Kay,
    I have sent my review request to the Appeals Council, and was waiting. The ALJ never looked at or discussed my diagnosed Depression, Anxiety, and declining mental health issues, I now have moved and am being treated at a new facility in a new county of California. Aside of the CHF, COPD,Stage 4 Kidney disease, and chronic back pains( from a broken back) I have now been diagnosed with Hypertrophic Cardiomyopathy, and feel lucky to be alive. I will be having open heart surgery to “maybe” correct this condition in the next couple months. My physiatrist , who is also an MD has personally contacted the appeals council to advise them as to my condition, and they have told her that my case has been moved to the “critical” file and will be expedited. Can you give me a little more info on what this means. Thanks for reading either way, Robin

    • Kay Derochie says:

      Dear Robin,

      The information the appeals council gave your doctor means that your claim will be processed before some others.It is not possible to know how many other claims are in the critical file or how quickly your claim will be reviewed. Presumably, it would be faster than usual. The usual wait can be up to two years.

      Best regards,

      Kay

  11. Virginia says:

    I first applied for my disability in Sept. 27 2011 and I have been denied 4 times. I got a lawyer in January 2013 and was still denied a fifth time I’m now age 43. The lawyer filed for a hearing on June 2013 I would like to know when will I have a hearing date sechduled. Back in Sept 2012 I had to do a whole new application over, thats when I was not able to do my job anymore. And how far will they go back if I approved.

    • Kay Derochie says:

      Dear Virginia,

      It can take as much as a year to get a hearing date.

      If you are approved based on your September 2012 application and the application was for Supplemental Security Income (SSI), benefits would begin September 2012, the month of application. If the September 2012 application was for Social Security Disability (SSD or SSDI), benefits will begin the first month after five full calendar months of disablility with a limit of twelve months of retroactive pay.

      Best regards,

      Kay

  12. Renee says:

    I am very confused at this point! I was approved in September formSSDI with an disability date of March 2011. My local office called and told me of the approval and had me come in to do an SSI application because they said I would qualify for both. They did not tell me I could deny the SSI.

    I received a 2100 payment from SSI on October 23rd. My monthly payment began on November 1st. I called the 800 number last week and was told the payment center was waiting on a response from the local office in order to release my SSDI backpay. So I called the local office and she said there was another calculation that needed to be made and that she would do it. The payment center received the response on November 26th.

    Since October I have gotten two letters one saying that SSI owed me about 16k and one saying that SSDI owed me about 18k. Do I have to wait for SSI To pay out before SSDI pays. I know that SSI does not due a lump sum and SSDI does and I need the lump sum now for bills and Meds. I know that SSI payments are taken out of my SSDI payment but I am just confused about what I am going to receive and when.

    Thank you

    • Kay Derochie says:

      Dear Renee,

      It sounds as if you have an accurate overview of your situation and of the procedures that are followed when you have both an SSI claim and a Social Security claim. The SSDI and SSI back pay will be coordinated so that you do not receive duplicate disability benefits for the same months. SSI will be paid first. The retroactive SSI benefits will be paid in three installments six months apart, unless you can establish that a hardship will occur if you receive only one-third at a time. The Social Security back pay will be reduced by the SSI back pay and any remaining retroactive benefits will be paid in one lump sum. As soon as your Social Security starts (it appears to be above the SSI income limit), SSI payments will stop.

      You may be wondering why pursue both claims. First, it is possible that you will be paid SSI for some months for which no Social Security was payable. Second, sometimes SSI eligibiity affords automatic Medicaid eligibility. If that is the case, under some circumstances, Medicaid will pay unpaid medical bills for some past months.

      Sincerely,

      Kay

  13. barry says:

    I recently won my disability claim but only for ssi..I did receive my official letter stating that the decision was-fully favorable. is ssi based on past work history? is their any way to know what my monthly benefits will be? I also have an 18 yr old son living with me. full time college student. will he be eligible to draw anything?

    • Kay Derochie says:

      Dear Barry,

      Apologies for the late response. Our site has had a software problem, which is now resolved.

      Supplemental Security Income (SSI) payments are for the disabled person only, not for dependents. The maximum SSI benefit in 2014 is $721.00 monthly. The actual amount you receive will depend on your countable income including in-kind (free) shelter and food.

      Sincerely,

      Kay

      • april says:

        I currently receive ssi and have a son who is also receiving ssi we live in grandmas house where she resides and we also have his half brother there as well , Myself and my children buy and pay for our food seperate from grandma, the next question is , my son who receives ssi is being told he has to leave grandmas house and he get medicaid and all , he is going to go stay with bio dad , what does dad have to do to keep his medical and ssi payments going as my son has mental health issues such as autism and adhd, has a cyst on brian and lesions and we live in pennsylvania and what will become of my ssi payment as I know i have to pay fair share but will that still be accountable when I am trying to support myself and youngest who has no income ?

        • Kay Derochie says:

          Dear April,

          Supplemental Security Income (SSI) is paid to disabled individuals who have low income and assets. The income of parents living in the same household is considered in determining whether a disabled child needs help from the government or the parent can support the child. If the parent has income above a certain amount, then it is deemed (considered) that the parent can support the child. If your child’s father has income over the limits, the child’s SSI will stop.

          If you pay your share of household expenses, which increases when your son moves out, your SSI will not be reduced. SSI does not pay dependent benefits so there will be no increase to support your child who is not disabled. You might contact your local health and human services department to see if Pennsylvania has a program that will provide income for your youngest child.

          Sincerely,
          Kay

  14. Bill Wright says:

    Kay: I am assisting my grandson, age 23, with his application to receive Social Security Benefits under the SSDI provision. He most likely became disabled at age 20 and his father died December 31, 2011. He went before a Adm. Law Judge on October 31, 2013 after being initially denied and then appealing his denial. We have good indications the ALJ will approve him for S.S. payments. My question is related to “how many months of back pay will he likely receive”? Can we assume it will go no further back than December 31, 2011 (date his father died)? If so, does the 5 months exclusion began at Dec. 31, 2011 or would it began when he was age 20 (the assumed year he became disabled). Thanks for a reply.

    • Kay Derochie says:

      Dear Bill,

      If his father was not disabled and entitle to benefits before his death, your grandson’s benefits will begin December 2011 (assuming that your grandson applied for benefits before December 1, 2013). The five-month waiting period does not apply to disabled adult children. If he applied after November 30, 2012, then benefits will begin twelve months before the date of application.

      Sincerely,

      Kay

  15. Justin L. says:

    I am not sure if this is the place to put my question or not. I am currently employed making above the SGA amount that you can make. However, if I quit my job, I wont be able to make any of my bills. When looking at my earning statement, I seen that the amount of SSD that I would get is under what I would need to get my bills paid as well. Do you get both SSD and SSI at same time if you are approved for both? If you show that you are working, however that you have a spotty job track record because of your disabilities then does that help you in your application that you werent able to hold down a job due to your disability? I am very confused on what I should do on everything. Is there a good way to chat with someone or email someone to be able to see if there is really any reason to apply or if I would just be wasting my time?

    • Kay Derochie says:

      Dear Justin,

      Apologies for the delayed response. Our site has had a software problem, which is now resolved.

      You will need to reduce your work to below substantial gainful activities (SGA) level to have a chance of being approved. Perhaps if you were to continue to work part time, your part-time work (below SGA) and your Social Security benefits would be sufficient to meet your expenses.

      As far as assessing whether you might be approved given your medical condition, I would suggest talking with your physician, telling him or her about your problems on the job, to get a medical opinion. It would also be helpful to discuss your medical condition and work history with a Social Security attorney, such as one that can be reached at Disability Advisor at 1-888-393-1010.

      One last thing to consider is that Social Security Disability benefits do not start until the sixth full calendar month of disability. (SSI starts the month after the month of application.) Typically claim processing takes from two to five months.

      If you decide to apply and are approved, you will get Supplemental Security Income (SSI) only if your countable assets are below the limit ($2,000 for a single person, $3,000 for a couple–note your home and one car are among assets that don’t count) and if your countable income is below $741 a month. (Part of your work earnings do not count.) If you receive Social Security in any month and it is above that amount you would not be eligible for SSI in that month.

      Best regards,

      Kay

  16. Sherry Morrisette says:

    Dear Ms. Kay,
    I have been approved for partial SSI because I recieve a pension but was denied SSDI because in part my points ran out in 2011..I considered appealing because I was disabled before my points ran out but tbe attorneys I contacted wouldn’t consider my case because I was awarded the SSI. The 60 days have run out..if I reapply, with an attorney(hopefully) will my SSI be suspended or cut off? Is it a good idea to pursue my SSDI?

    • Kay Derochie says:

      Dear Sherry,

      Apologies for the delayed response. Our site has had a software problem, which is now resolved.

      Your Supplemental Security Income (SSI) will not be suspended or terminated if you again apply for Social Security Disability (SSDI). If you receive SSDI, your total income may cause termination of your SSI.

      When you apply again for SSDI, you need to claim a different disability date (one that is prior to the date you were last insured). If you claim the same date as you did in your prior claim, your claim could be denied automatically because you would be claiming the same thing for which your appeals period has run out. You need to gather as much documentation as you can about your condition prior to the date on which you were no longer insured–medical records, statements from employers if you were having trouble on the job, and anything else you can to try to prove that you were disabled far enough in the past.

      Sincerely,

      Kay

  17. Jeff says:

    Hi. I have been receiving ssi since 2005 then I met the requirements to receive ssd in 2009 and I’m just now finding out about it. Last month I received more benefits and medicare. Do you think I’m going to receive back pay from all the years I was supposed to be collecting ssd?

    • Kay Derochie says:

      Dear Jeff,

      You do not say how it was discovered that you were eligible for Social Security Disability (SSD) in 2009. If Social Security contacted you about applying for SSD, then the retroactive benefits could possibly go back to 2009, but they would be reduced by the amount of SSI you have already received. This means that even though you have received a Medicare card, which indicates your retroactivity is more than twenty-four months, retroactive SSD will be paid only if your monthly SSD benefit has been more than your SSI.

      Sincerely,

      Kay

  18. Ardra says:

    I was approved for ssdi last week and the onset date was October 19,2012…I applied for ssi to but didn’t know I did until I got my approval letter. Thursday I got a call from social security asking me a lot of question to process my ssi. The rep said she is going to send me a reward letter for ssi and they are going to pay me what they owe me…I think she said I will receive a payment in 10days. She said I don’t qualify for ssi and when my ssdi payments start my ssi payments a stop. And they will let me know when I can get my dependents set up.. My questions is what do they owe me, for the 5months or more? and when I found out I was approved I call ss on my own to set up my kids. I was told that they had all the information on my kids I don’t need to come into the office.

    • Kay Derochie says:

      Dear Arda,

      Your Supplemental Security Income (SSI) will be retroactive back to the first of the month after your date of application, assuming you have been financially eligible all months since then. Your Social Security Disability (SSD) will begin to accrue April 2013 after the end of the five-month unpaid waiting period. Your SSD back pay will be reduced by the amount of SSI paid for the same months.

      The representative provided the order in which your claims would be processed. It is correct that your children’s benefits will be last. Even if they already have everything needed, the computer work to pay them will happened about both your SSD and SSI are in pay.

      Sincerely,

      Kay

      • Ardra says:

        I still have not received an award letter yet. So I called Social Security yesterday to find out has anything went out for me yet. This first rep I talk to said its going to be a check for 2100 going out for ssi. And you will have a check for 721 from ssi on the first and another check on the 3rd for 760 from ssdi. So I said 760 that’s all. Because my last social security statement before I lost my job said 1326 a month. Do I get both because I was told I would only get ssi, until ssdi start…She said no you only get ssdi. I said well do my kids get half of 760. She said no your kids get 9 bucks each because 799 is your family maximum. I just said ok, because I didn’t think she really knew so I called back got a different rep. The next rep said im not supposed to get both. But according to her screen I do, but don’t go by what the reps say, just wait for the paper work… My question is, is it possible none of them know what the heck there talking about, and I may really get both.. Or could I just be getting this amount for right now,until ssdi figure out my amounts. Because the rep knew what my ssi backpay was, but not the ssdi…im 37, I know my family maximum is not 799

        • Kay Derochie says:

          Dear Arda,

          It is really hard to tell what is going on. I wonder whether the $1,326 on your statement was a projected retirement benefit and there was a different amount in the range of $760 for disability. If that is the case, because $760 is a fairly low benefit, it is possible that your family maximum is only $39 more than your benefit amount. However, everything I am saying is conjecture. I am curious to know what the situation actually is; so if you are agreeable, let me know when you get a written notice.

          One thing you have been told is definitely true: Whether your Social Security is $760 or $1,326, you will not be eligible for ongoing SSI. If you get both payments as described, I suggest not using the SSI payment until you know for sure you are eligible for it.

          Sincerely,

          Kay

  19. Hi Kay: My wife and I joined the Hope Pace Program 11/01/2013 thats called Inclusive care for the elderly,here in Fort Myers, Florida and we understood that the Part B Premium of $104.90 would be returned to us as of yet it has not they take it out of our social security each month I am 77 and mynwife is 74 we are medically needy and are on medicare and medicade can you provide us with an answer? Thanks for listening.

    • Kay Derochie says:

      Dear Robert,

      Typically if a person receives Medicaid, the Medicaid program pays the Medicare Part B premium. It can take a couple of months to coordinate this. I would say if it hasn’t been taken care of by the end of February, it would be a good idea to talk with Hope Pace and/or the Medicaid office and Medicare office. The number for Medicare and Medicaid customer service is (1-800-633-4227).

      Sincerely,

      Kay

      Kay

  20. C says:

    Dear Kay, I have a lot of questions. Here goes….what is the difference of ssi, ssd, and ssdi? Because here in Florida my husband has always not held a job due to mental health conditions since about 20. Now he is 32 but we started the disability process in 2010 (after he started treatment)he was just gotten approved and he started receiving ssd benefits in November but last week we got a letter stating that he was denied for ssi, why and what is that? His first ssd check was $420, the second was $432 because of C-O-L-A, but he got a letter from ssd stating that he HAS to pay child support ($125 for one child and $200 for another child that we did a paternity test on and is not his child how can we fix this?) so that is $325 being taken out of his supposed to be already low $432 check per month, I am caring for him and our 3 children but have recently lost my job and our rent and bills still have to be paid and we were depending on his disability and my unemployment to help out at least until I can get back on my feet? Does he or us as a family qualify for any housing, section 8, or hud? We NEED help! I was told by a friend that she gets over $700 and she has the same disability as my husband so is that because she worked more than him? Do the children and I qualify for benefits? Is there any way we can receive more benefits and or back pay for me and the children or will child support be taken out of that too if ? He also received a letter that he does not qualify for back pay and I would like to know would there be a specific reason for that? How does this all work? How can we stop the child support payments being taken out of his $432 at least the $200 for the child that is not his child? Please help!

    • Kay Derochie says:

      Dear C.,

      You raise a lot of questions. First, SSI is Supplemental Security Income. SSI disability benefits are paid to individuals who have income and assets below a certain limit. Part of a spouse’s income may count in determining SSI disability. The SSI denial letter should have explained why he was denied. It may have been because your income was too high. (SSI payment amounts do not depend on the kind of illness; they depend on the amount of other income. Your friend who is receiving $721 likely does not have any countable income.) Now that you have lost your job and are drawing unemployment, your husband might qualify for some SSI to supplement his Social Security. He should contact Social Security to reapply for SSI.

      SSD and SSDI are the same thing–Social Security Disability Insurance. SSD is paid to disabled individuals who have enough work credits from taxed Social Security work. SSD benefits can be garnished for child support. If you have a court-order or other documentation about the non-paternity, take it to the Social Security Administration and request cessation of the child support withholding for that child. If you need some other document, they can tell you what to obtain. Your husband’s SSD may be low enough that his family maximum is the same as his benefit amount so that no benefits are payable for your children.

      Your family may qualify for housing, energy assistance, or food stamps. I suggest that you contact your county or state social services office to find out what your options are.

      Sincerely,

      Kay

  21. dana says:

    i have received ssi since 2000 i was told i couldnt get ssdi because i didnt have enuf credits my ex husband gets ssdi an we were married for thirteen years so arent i also suppose to get ssdi from him an what about my minor child please i need help im not smart i nhave a mental disability an they confuse an scare me i need a lawyer bad

    • Kay Derochie says:

      Dear Dana,

      If your minor child is your ex-husband’s child also, benefits may be payable on his earnings records. Any benefits paid to you or your son will not reduce your ex-husband’s benefits. Any benefits paid for you will not reduce benefits paid to other dependents on the record because you are divorced. I suggest that you take your ex-husband’s social security number, your child’s birth certificate and your marriage certificate and divorce papers to the Social Security Administration and apply for dependent benefits for you and your child. If you receive dependents benefits for yourself, your SSI will go down, but you may end up with $20 more per month total in Social Security and SSI. Benefits your child receives will not affect your SSI.

      Sincerely,

      Kay

  22. Mary A says:

    Hi my name is Mary. I receive ssd not ssi. I have medicare, that’s why I believe it’s ssd. I just got married and I was wondering if my husbands income will have an effect on my income?

    • Kay Derochie says:

      Dear Mary,

      If you are under age sixty-five and are not on kidney dialysis, then, yes, your benefit is likely to be Social Security Disability (SSD), and your husband’s income will not affect your benefit amount.

      Sincerely,

      Kay

      • Mary A says:

        Oh ok I was kind of confused on what I receive. After the 2 years that I was disabled I started getting medicare. I have a trachea tumor and really can’t do anything. I had a baby and don’t receive any money for him. How can I know for sure if I receive ssd? thank you very much for your response

        • Kay Derochie says:

          Dear Mary,

          I feel reasonably sure that you are receiving Social Security Disability. However, you can find out for sure by looking at the cost-of-living increase letter that should have been mailed to you in December. It will name the benefit you are getting. If you cannot locate the letter call the Social Security call center at 1-800-772-1213 and ask whether you are getting Social Security or SSI. Also ask them if your family maximum amount is more than your primary insurance amount. If your Social Security family maximum amount is more than your benefit, your child can receive Social Security Dependents benefits. If it is, ask the call center to set up an appointment for you to apply for your child.

          Sincerely,

          Kay

          • Mary A says:

            The papers that say how much I will receive say retirement, survivors and disability insurance. So is that social security benefits not ssi? About the other social security told me that I receive the maximum amount.

          • Kay Derochie says:

            Dear Mary,

            Yes, “Retirement, Survivors, and Disability Insurance” on the top of correspondence from the Social Security Administration means that you are receiving Social Security Disability benefits, not Supplemental Security Income (SSI). If your benefit is the same as the family maximum (be sure you asked about family maximum, not just maximum), then no dependents benefits would be payable for your child.

            Sincerely,

            Kay

          • Mary A says:

            Thank you for everything Kay.

          • Kay Derochie says:

            You are welcome, Mary.

  23. Julienne says:

    I just received a letter from SS about my disability claim, saying I was given a fully favorable decision but it says on one of the pages “Last date of insured December 2015″
    I’m confused cuz I was declared “disabled” by the judge…any insight as to what that means??
    I was also sent a letter about SSI saying I have to have a payee for my SSI payments, does that also apply to my SSDI payments??
    Thank you for any advice you can provide:-)

    • Kay Derochie says:

      Dear Julienne,

      If your claim was fully favorable, then the information about when you were last insured just means that you were insured when you became disabled, which is necessary to receive benefits. And, yes, If the medical opinion is that you need a payee for your Supplemental Security Income (SSI) payments, you will need one for Social Security Disability (SSDI) also.

      Sincerely,

      Kay

  24. Magdalena says:

    I need a little guidance. My dad applied for social security and ssi a couple of years ago but withdrew the application since he was denied ssi due to a couple of rental homes counted as resources. He would like to apply for social security since he is reaching 70 this year and would like ssi so that he can cover all his expenses. My mom is still working, and they have living trust who owns their homes. A couple of their homes are being rented and they get about $100 from each home which is used for self support. I would like to know how to apply for ssi so that the rental homes do not prevent him from getting ssi. Could you help us? Thanks in advance!

    • Kay Derochie says:

      Dear Magdalena,

      Your father may not be eligible for Supplemental Security Income (SSI) either because of assets above the limit or because of family income. My recommendation is to provide all the information to the Social Security Administration truthfully, so that they can make a determination. The rental properties may be excluded as an income-producing resource, however, the rental income will count as income to the person who receives it. Also, a portion of your mother’s work earnings may be countable income for your father. And, of course, his own Social Security will be countable income. A side note: the fact that the properties are in a living trust would not exclude them if either of your parents is the trustor of the trust. This is true because a living trust can be revoked at any time.

      A word of caution in case your parents be thinking of moving assets to another person to qualify for SSI: In some circumstances giving away or selling property for less than market value can exclude a person from getting SSI for a period of time. The length of the exclusion depends on the value of the asset given away.

      Sincerely,

      Kay

  25. vicki phelan says:

    hello, I just recieved noticed that i won my disability case. how long does it take to get your first check and back payments? how can I find out how much it is going to be?

    • Kay Derochie says:

      Dear Vicki,

      Processing time after medical approval of a disability claim varies a great deal. It depends in part on the following factors: whether you have both a Social Security Disability (SSD) and Supplemental Security Income claim or receive or have received workers compensation or certain government pensions. It also depends on whether the decision is a new claim decision or a hearing decision. All that said, the first monthly payment can take from a couple weeks to a couple months or more. Back pay is usually paid within six weeks after the first monthly payment; however, if SSI back pay is more than three times the monthly benefit, it is paid out in installments that are six months apart.

      Sincerely,

      Kay

  26. chrstopher says:

    Dear Kay i Have a ? My wife is unable to work due to illness and other medical related problems. We went to SS office and they determined that she didnt have enough work weeks to quailify I did read about the supplement and it looks like it applys to people over the age of 60, my wife is 52. Can you provide any information or advice. I also was wondering if she could receive any type of payments from my benefits..

    • Kay Derochie says:

      Dear Christopher,

      Supplemental Security Income (SSI) is paid to individuals who are under age sixty-five and disabled and to individuals age sixty-five and over who have limited income and assets. To be eligible, your wife must be disabled and her and your)income and assets have to fall below a certain limit. I suggest that she initiate an application. Her claim will be screeed first for financial eligibility. If she is financially eligible, then she will be asked for medical information to evaluate whether she is disabled.

      Sincerely,

      Kay

  27. Sal says:

    Hello I have a question I applied for disability in Jan.of 2008 and was denied and sent a letter to set a hearing with a judge but I did not get a lawyer because I did not have the money for a lawyer and did not know you didn’t have to pay the lawyer so I let it pass and then reapplied again in June of 2013 and now I am getting a lawyer to represent me so what I want to know will they go back to 2008 or 2013 also I have a son and was told by friends that my son could also get part of my disability claim he is 9 also after being denied in 2008 i got a job working 6 hours a week 1 hour a day which i worked till 2013 when that became to much for me to be able to do any help would be great.

    • Kay Derochie says:

      Dear Sal,

      Very occasionally a judge will reopen a prior claim, but it is rare. If approved, your Social Security Disability claim will likely be paid based on your 2013 claim. Benefits would start no more than twelve months prior to the date of your 2013 application. If your family maximum is greater than the amount you are eligible to receive, your son will be eligible for benefits also. You need to tell the judge about your work, but the small amount you were working should not affect your claim adversely.

      Sincerely,

      Kay

  28. HERMAN CORDIER says:

    I WANT TO,OR I NEED TO GET SOME S.S.I. OR S.S.I.D. I HAVE JUST GOT OUT OF PRISON AND DO NOT HAVE FOOD TO EAT OR A PLACE TO LIVE. I TRY TO GET HELP, BUT NO ONE CARE’S. I NEED HELP, COULD YOU PLEASE HELP ME GET SOME PLACE TO LIVE AND FOOD TO EAT THAT IS ALL I ASK.

    • Kay Derochie says:

      Dear Herman,

      To be eligible for Social Security, you must either be disabled or age sixty-two (or be age sixty and the widower of an insured person) and have enough work history to be insured for Social Security. To be eligible for Supplemental Security Income (SSI), you must either be disabled or age sixty-five.

      If you are disabled or one of these ages, I suggest that you file a claim with the Social Security Administration for either Social Security or SSI. Then contact your state or county health and human services to see whether they have a temporary cash assistance program for individuals who are disabled and have an SSI application pending.

      Whether or not you are disabled, you can apply for food stamps and inquire about whether there is any emergency housing or other shelter in your area. You might also ask if there are any organization that help ex-convicts re-enter society.

      Sincerely,

      Kay

  29. Anne says:

    Some of your info is confusing. I have been completely disabled since 1990. I filed in November, and was approved in February. I never got any back payment, period.
    My Disabled DH died in 2002 at age 48, and I had to wait until 2004 to collect on his benefit…..which according to what I have read, I should be receiving more than I do. I only receive 60% of his earnings, not the full amount of his check when he died. Is this because of my own disability ?
    I also would like to know why I was never given any back bay either?

    • Kay Derochie says:

      Dear Anne,

      I suggest that you contact Social Security for an explanation of the calculation of your benefits. I can only offer some general information. Disabled widows are not eligible for widow’s benefits until they reach age fifty; that may be the reason you were not eligible when your husband died. Widows and widowers receive 100% of the the deceased worker’s benefit amount only if they wait to their full retirement age to receive benefits. If you are not your full retirement age (65 to 67 depending on the year you were born), your benefit would be reduced. The younger you take the benefit, the larger the reducton.

      Sincerely,

      Kay

  30. Susan Hall says:

    How can I tell if I am receiving Social Security Disability or SSI. I have looked everywhere on my paperwork and it is never defined.

    • Kay Derochie says:

      Dear Susan,

      Across the top of all mailed notices, it will say either “Supplemental Security Income,” which is SSI, or Disability, Retirement, and Survivors, which is Social Security. Alternatively, you can call Social Security at 1-888-772 1213 and ask.

      Sincerely,

      Kay

  31. Rebecca says:

    I am my grandsons legal guardian. And I received a call today saying his claim we filed for SSI was aproved and set up a appt to go in and fill out all the paper work. I then was told I need to get a bank account with his name on it for his benefits to be deposited into. Then I was told I would have to set up a 2nd account to have his back pay deposited to. We filed for his SSI Nov 14th 2013. He will not be getting a large back pay amount, so why does he need two accounts?

    • Kay Derochie says:

      Dear Rebecca,

      The law requires that retroactive benefits in excess of three times the maximum monthly benefit have to be kept separated in a “dedicated account” and used only for certain specific things. At this point your grandson is eligible for four months back pay. When you go into the office, ask for written information on payee duties in general and also on the use and handling of dedicated accounts.

      Sincerely,

      Kay

  32. Alberto Torres says:

    I recieved a letter saying a favorable medical decision was made, i just need to go in to fill out non medical portion of my claim. What does that mean?

    • Kay Derochie says:

      Dear Alberto,

      The correspondence you received means that your claim has been medically approved and, assuming that all the non-medical eligibility requirements are met, you will receive benefits. Non-medical eligibility for Supplemental Security Income (SSI) means having income and assets below the limits for SSI payments, so that will be reviewed for all months since you applied. With Social Security Disability claims, sometimes all that is needed is a copy of your birth certificate and bank account information to set up payment.

      Sincerely,

      Kay

  33. Hello kay in november i had kidney failure and i was placed on dialysis. At the time i was working full time.Howver i had to quit my job to concentrate on my health. However i am working now part time. I recently applied for disability and was awarded medicare how long does it take for me to find out about my ssdi and ssi appication status and will i be denied. ALSO if u get medicare does the ssi and ssdi come with the package.

    • Kay Derochie says:

      Dear Marcus,

      Only people on kidney dialysis can get Medicare without either being age sixty-five or having received twenty-four months of Social Security Disability (SSDI) benefits. Your application for SSDI and SSI cash benefits is separate from your special entitlement to Medicare for dialysis. Your return to work will not affect your eligibility for Medicare if you are still receiving dialysis. However, be sure to report your part-time work to Social Security right away, giving them the date you returned to work and your gross monthly earnings; so they can take your work activity into account in determining whether you are eligible for disability benefits.

      Sincerely,

      Kay

  34. Tracy Hecken says:

    I receive ssd along with a little extra because I have children. I have been disabled since 1997 and have been receiving the ssd since 1998. My husband works. Between the two of us we make 3200 a month. Will I be able to try to get the ssi? If I am no longer married, will I be able to receive it then? If at all? Thank you for your help.

    • Kay Derochie says:

      Dear Tracy,

      To answer your questions, I need to know the amount of your gross SSDI benefit before withholding for Medicare premiums or taxes, the amount paid for your children, and how many children you have.

      Sincerely,

      Kay

  35. TimSS says:

    Dear Kay, I applied for SSDI about 6 months ago. About a month ago I received an appointment with an independent orthopedic MD in my state for the state portion (Fed is complete and approved) evaluation. The appointment went well. He was able to open my MRIs over the last 13 years (I’ve worked as long as possible. My Dr. Said I was killing myself) electronically and made quite a few comments about the seriousness of the injury. He stated that, “the only reason I wasn’t paralyzed was I had an unusually wide space for my spinal chord”. I have a crushed spine, 12 fused vertebrae, and a permanently installed pain pump…

    All of the function questions he asked if I could do anything for x amount of minutes. I believe Social Securities metrics are hours?

    The appointment went quite well and I remember at the end he was writing my injuries and finished “fused vertebra 12X! (He said, “that should get there attention).”"

    So my application has completed the federal side, been reviewed by an independent State MD who said he agreed I was lucky to be walking and knew about the pain pump and that they were only used in permanent severe spine injuries.

    How long do you think it will be to hear something From SSDI?
    …am I 1/4 way thru, 1/2 way or?

    I didn’t apply for SSI as I am getting disability pay from work and my private insurance policy…they won’t hold back any money for possible SSI payments if I was making too much money to qualify for SSI will they?
    I need the SSDI to qualify for my Health Exchange (affordable care act) the Health Exchange is so much fun to deal with! :(
    My insurance will carve out my SSDI pay, but I have one minor child that will get a nice payment. Do minor children have the six month black out too?

    Sorry for so many questions.
    TIA (thanks in advance)

    Tim

    • Kay Derochie says:

      Dear Tim,

      Your message is confusing to me. You refer to your Federal SSDI (Social Security Disability) claim as being approved and being sent to a state doctor for additional evaluation. SSDI is a federal-only payment. Social Security does contract with the states to provide disability evaluation services for both SSDI and Supplemental Security Income claims; however, they would not send you to a doctor after a medical approval decision has been made. Because I can’t really tell the status of your claim from what you posted, I can’t give you an estimate of when you might get a decision.

      Social Security Dependent benefits on a new claim will be paid back to the same date that your benefits begin to accrue (assuming you listed your children on your application). Benefits will begin to accrue the later of the sixth full calendar month after disability began or twelve months before the date of your application. There will be no SSI offset against your SSDI because you did not apply for SSI.

      Sincerely,

      Kay

  36. Tamesha says:

    Kay,

    My son as been receiving ssi benefits for the past 4 years and after the first year the amount of his payments dropped significantly without there being any changes in our household. Last month I received a letter stating they have made an error in the amount that he has been receiving and they owe him a large amount in back pay. However with this back pay amount they have placed stipulations on the usage of it. I have to open a separate account and the funds can only be used toward his disability. I don’t understand why stipulations have been place on back pay due to there error.

    • Kay Derochie says:

      Dear Tamesha,

      Supplemental Security Income law (SSI) includes a provision that large SSI lump sum payments (typically exceeding six times the monthly benefit rate, which in 2014 is $4,326) have to be reserved for special disability needs or education or job training to facilitate the child’s being able to work when he comes of age. You can get a list of accepted uses of the money from your Social Security representative and/or review the information on their website at http://www.socialsecurity.gov/kc/rp_accounts.htm.

      Sincerely,

      Kay

  37. C Schafer says:

    Hello, I did not know where else to go for this question. I have received SSI since around 1996 due to my Scoliosis. I am Epileptic for the last 10 years and I have never really gone back afraid to stir up anything from Social Security to see if I can add that to my disability.

    I was told though that they will look at my husbands income which is around 76,000 a year to determine if I will receive my SSI.
    We have had 3 children all now out of the house and the youngest is 19 going to college.
    I roughly believe my check is 290 a month which between the both of us is really not and hasn’t been enough. Is this true that they can deny me because of his income? I am just afraid to call and ask them about all of this and then they take me off of what I do get monthly. I do receive Medicare along with my husbands insurance.
    Any answers will be greatly appreciated. Thank you

    • Kay Derochie says:

      Dear C.,

      If you are covered by Medicare, then your disability benefit is Social Security Disability (SSD) and not Supplemental Security Income (SSI). If it is Social Security, your husband’s income does not affect your benefit amount. Your SSD benefit will not be raised because you have additional illnesses; the benefit is based on your earnings history prior to becoming disabled. You are not eligible for SSI because your family income is too high.

      Sincerely,

      Kay

      Sincerely,

      Kay

  38. Crystal says:

    Dear Kay,
    My mother was approved for ssd and received her backpay for 12,000 roughly, through direct diposit. Her notice of award stated how much she would recieve from back pay and for monthly payments. Well today, she recieved a notice of change that said they noticed she was not paid for ssi payments for december 2012 through March 2014, which was the time she was disabled. It said she would receive a check for roughly 12,000 and then 1089 monthly. I’m confused because it is the same amount as her ssdi which she has already received. Is social security saying she is getting that much for ssi or are they saying she never recieved any back pay?

    • Kay Derochie says:

      Dear Crystal,

      There appears to be something wrong with the Supplemental Security Income (SSI) letter. The federal SSI maximum amount is $721 a month. If your mother lives in a state that has a state SSI supplemental payment it could be higher than $721, but it is unlikely it would be exactly the same as her Social Security. Also, she would not be paid double benefits for the past period. She should take the letter to Social Security to get it straightened out. Also, she should not use any SSI payments she receives until she is sure they do not have to be returned.

      Best regards,

      Kay

  39. kathy says:

    my husband receives ssi and i applied for ssd, if i get approved will they deduct for his ssi so we don’t go over the allowed income and also would he be eligible for spouse benefits on my ssd since he is over 62

    • Kay Derochie says:

      Dear Kathy,

      If you are approved, your Social Security Disability (SSD) benefits will not be affected by your husband’s Supplemental Security Income (SSI); however, depending on how high it is, your SSD may affect the amount of his SSI. Your husband could apply for reduced spouse’s benefits if you are approved for SSD. At that time, his SSI would be reduced by the amount of his dependent Social Security benefits.

      Sincerely,

      Kay

  40. eugenie says:

    ss rep quoted the monthly amount of $1400 and $700 for child will i get back pay from the date i applied? applied for ssdi and ss will they give me back pay for me and my daughter in those amounts

  41. eugenie says:

    ss rep also said that i was approved before those amounts was quoted

  42. HOLLY says:

    I WOULD LIKE TO KNOW IF I WOULD QUALIFY FOR SSI I RECEIVE DISABILITY IN THE AMOUNT OF 744 A MONTH I LIVE IN THE STATE OF KENTUCKY I ALSO ONLY RECEIVE 24 DOLLARS IN FOOD STAMPS AND I ALSO RECEIVE MEDICAL BUT THIS IS NOT ENOUGH FOR A MONTH I WOULD LIKE TO KNOW WHAT IF ANYTHING I CAN RECEIVE

    • Kay Derochie says:

      Dear Holly,

      Your Social Security benefit is just slightly too high for a federal Supplemental Security Income (SSI) payment, and I believe that currently the state of Kentucky provides supplementary payments only to individuals who are in a care facility, an adult foster care home, or receive in-home care. I suggest that you contact Social Security to be sure that there has been no change in the law.

      Best regards,

      Kay

  43. eugenie says:

    i just logged into my account on the ss webste and there it was a letter that states how much i would get monthly $792 …$608 shy of what the rep informed me she said my monthly payment would be $1400 and daughter who 5 would get $700 can i recieve the rest from ssi

    • Kay Derochie says:

      Dear Eugenie,

      Apparently, the person who told you that you were not approved made a mistake. Everything else you said indicates you have been approved. The request for bank information is so the payments can be sent to your bank account. The $742 is Supplemental Security Income (SSI), which is usually paid first. Your Social Security Disability (SSD) of $1,400 for yourself and $700 for your daughter will be started later. You will receive SSI back pay and SSD back pay will be reduced by the amount of SSI that you receive for any months that SSI and SSD eligibility overlap. SSDI will begin to accrue the later of the sixth full calendar month before you became disabled or twelve months before your application.

      Sincerely,

      Kay

      • eugenie says:

        thanks for responding so quickly i actually went to the office today and was told that the rep that informed me that my payments would be $1400 and $700 for my daughter made a mistake she must have been looking at both ssi and ssd payments together and thought i would get both i am actually qualified for only $792 per month for ssd and my app for ssi i would recieve a 6 month back pay for that but wont get any more payment sbecause my ssdi payment is more than the monthly ssi payments of $721 my first payment for ssd would be recieved in july due according to when my birthday is so it would be the 3rd wednesday of every month…thanks

        • eugenie says:

          also my daughter’s father is disabled but she wasnt qualified to receive any payments on his record but since now i too am disabled she qualifies her payment from me is $75 dollars but since her father also receives payments they said that they use some kind of payment were she would received $397 a month from me and her dad combined

          • Kay Derochie says:

            Dear Eugenie,

            I am glad that you got the clarification you needed.

            Sincerely,

            Kay

  44. angela says:

    i was approved for ssi and ssd in ny. im very confused though . i was awarded 744 in ssi benefits a month and 415 for ssd a month. here is my question , will i get 744 + 415 or are they going to give me 744 only .
    thankyou so much Kay

    • Kay Derochie says:

      Dear Angela,

      Your Supplemental Security Income (SSI) will be reduced by the amount of your Social Security (SSD). The maximum federal SSI payment is $742.

      Sincerely,

      Kay

  45. Brian says:

    Hi Kay,
    I am 20 years old, and have never worked, and am blind in one eye. Would I be able to qualify for SSI?

    • Kay Derochie says:

      Dear Brian,

      At age 20, it is unlikely that you would be approved for disability benefits due to being blind in one eye, assuming that you have adequate sight in the other eye. The reason is that there are likely many types of work that you can perform.

      Sincerely,

      Kay

  46. Patti says:

    My three children are disabled and receiving ssi. I just got approved this month for ssdi so they will now receive benefits from my work history. When we receive their back pay for the past 12 months will we then owe money that they received at that time for ssi?

    • Kay Derochie says:

      Dear Patti,

      Your children may be overpaid for the month in which they receive their back pay. They will not be overpaid for previous months because SSI is calculated based on income in the month it is received. You will be required to repay the SSI for that month. If they continue to get SSI, it will be reduced by their ongoing Social Security. Their back pay Social Security will not count toward their SSI resource limit of $2,000 each for six months after it is received.

      Note that you are likely to get your Social Security before your children get their dependent benefits. You must report when your Social Security starts and when you get your back pay because part of your income may be counted against their SSI payments.

      Sincerely,

      Kay

  47. Elizabeth says:

    hi,
    i started my ssi when i was 18 yrs due my disability (deaf). when i was 20 yrs old the ssi stop paying me because i was making alot of money. at the age of 26 i tried to apply ssd however they wont accept it because i makes way too much money. now i am almost 30 yrs and work for 11 yrs and really want to quit my job, because i dont like my job environment and i dont have any interest or enjoyable. so if i quit my job will i be eligible for ssi and ssd?
    looking forward to her you
    elizabeth

    • Kay Derochie says:

      Dear Elizabeth,

      If you stop working, even voluntarily, you may be approved for benefits based on your deafness. If you do leave your job, I would encourage you to seek vocational rehabilitation services to find employment that is suitable for you.

      Sincerely,

      Kay

  48. Tiara says:

    hello i was approved for both ssi ssdi in may 2014 but they considered me disabled 11 2013 but im very confused why there tellin me that ssi will stop in august for what i dont understand but i still will get my ssdi i thought ssi is a help when youdont have any other income coming into the home i just dont understand

    • Kay Derochie says:

      Dear Tiara,

      You are right the Supplemental Security Income (SSI) is for people with little or no income. I believe that the Social Security Administration is telling you that your SSI will stop in August because you will have Social Security income by then that exceeds the amount allowable for SSI.

      Sincerely,

      Kay

  49. Renee says:

    Hello Kay. I have a couple of questions regarding disability. First, I originally applied back in 2009. I was denied twice, went to the hearing and got a final denial. I quit trying then.

    Now, in 2014, I have reapplied for disability for both mental/psychiatric and physical ailments.

    My first question is, if they do finally approve my case this time around, would they pay me back to the first application date?

    Secondly, I have two young sons that I currently only have scheduled visitation with. If I were to be approved, would my son’s qualify for the benefits that they say children can get of disabled parents?

    Thank you for your help!

    Renée

    • Kay Derochie says:

      Dear Renee,

      If you are approved, you will be paid based on your current 2014 application. The maximum retroactivity for Social Security Disability (SSD) is twelve months. If your SSD benefit is high enough, your son will also receive dependent benefits payable to the adult who is caring for him.

      Sincerely,

      Kay

  50. Heather says:

    I am writing bc I am confused! I just filled out my application like 3 days ago (if that) and today I receive a letter giving me a date and time to be at the Social Security Office to give them direct deposit info? What is that all about?

    • Kay Derochie says:

      Dear Heather,

      Possibly you have a condition that allows presumptive disability and the start of provisional payments while you await a full disability review. Either that or your local office has a practice of gather banking information before a decision.

      Sincerely,

      Kay

  51. Irene says:

    Hello Kay,
    I have applied for supplemental income for my four year old son who has autism. I was schedule to have my son be seen by a doctor which was appointed by the social security office. How long after this procedure does it take for the social security office to confirm if he has been approved?I would also like to know as to whether I will be contacted by mail or by phone to confirm whether he has been approved or denied.

    • Kay Derochie says:

      Dear Irene,

      A medical claim decision after a consultative examination can take from a couple of weeks to a couple months. If the claim is denied, you will receive a letter. If the Supplemental Security Income (SSI) claim is approved, you will receive a call from the local Social Security office to update the financial information for his claim. When payment is initiated, you will receive an approval letter.

      Sincerely,

      Kay

  52. tonisha says:

    I have a question. My dad was approved for disability after his hearing 2 months ago. Yesterday he recieved a letter saying he will be getting a supplimental income. Is this the same thing? Or is the ssi different then his disability?

    • Kay Derochie says:

      Dear Tonisha,

      The Social Security Administration administers two disability programs: Social Security Disability (SSDI) and Supplemental Security Income (SSI) disability. Some people are eligible for only one, SSDI or SSI; other people are eligible for both. If your father did not get a SSDI denial, he may have an SSDI claim still in processing.

      Sincerely,

      Kay

  53. Dallas says:

    Hi. I have an autistic 8 year old son. I went to SS today to apply for disability benefits for him. I was told we were denied based on our assets. Essentially I am self employed and my husband works with me. The only thing that disqualifies us is we personally own two pieces of property. One that we live on and the other that we store business equipment on. The SS agent said we were over the asset limits because of the second piece of property. However I was doing some research and wanted to know if this property could be excluded because of PESS? If so, do I wait for the denial letter and file an appeal or go back down to the office and talk with the agent again? Thank you.

    • Kay Derochie says:

      Dear Dallas,

      I believe that your second property could be an excluded resource (PESS) because it is property needed to produce income. I suggest that you go back to the representative before getting the denial to discuss it. Be prepared to explain why you can’t store the equipment on the property where you live. If your son ends up getting denied for excess resources despite talking to the representative, I recommend appealing.

      Sincerely,

      Kay

  54. Mary says:

    Already got my award letter this month. From ssi.got wrong info from ss stating I couldn’t get widows benefits because I wasn’t married long enough.just a year.finally i got it i will be 60 will I also get back pay thank you I have been a widow for 43 years. Thank you Mary

  55. la tochia says:

    Hello Kay, I was just approved for ssi and ssdi and i was found disabled from aug 15, 2009 what exactly does this mean as far as payment. I was approved june 11th of this year. original filing date was 2012

    • Kay Derochie says:

      Dear La Tochia,

      Your Social Security Disability (SSDI) will begin to accrue twelve months before your 2012 filing month. Your Supplemental Security Income (SSI) will begin to accrue the month after you filed the application.

      Sincerely,

      Kay

  56. Mary Newhall says:

    I am still married but separated (not legally) for 18 years. I have an appointment next month to apply for SSI. Can they still use my husbands earnings for my case because he has put in more than I did. A few people keep telling me that I am eligible under his wages. Is this true?

    • Kay Derochie says:

      Dear Mary,

      Please clarify so I can respond to your question. Are you applying for Social Security Disability, Social Security Retirement, or Supplemental Security Income (SSI) disability?

      Thank you,

      Kay

  57. Clarissa says:

    I am currently receiving DISABILITY in the amount of 793/mo and I did not know I could also apply for SSI. Can I apply for SSI to receive more income or is it too late? Will they backpay me to my original Disabled date? Aug 2013? Will I have to start the whole process over or will it be easier since I already collect ssdi?

    • Kay Derochie says:

      Dear Clarissa,

      The maximum federal Supplemental Security Income (SSI) payment is $721. Social Security of $793 is too high to receive federal SSI. Some states have a state supplement that is paid to people with income only slightly higher than the federal rate and meet other requirements. I suggest that you contact your local Social Security office to find out whether your state has a state supplement and how to apply for it.

      Sincerely,

      Kay

  58. Soutsada says:

    Hi Kay,

    Thank you for the very clear breakdown of the differences. I’m not sure which benefit my grandma received before she left to Thailand (she’s been in Thailand a number of years now), but now she wants to come back to the US. She’s still a citizen, always has been and I don’t think she’s going to be changing citizenship, will she be able to reapply for the benefits she previously qualified for? I’ve been searching the net and haven’t gotten any defininitive answers. Thank you in advance for your help in this matter.

    Soutsada

  59. Sophie says:

    Hello Kay.
    I just have a general question about my granddaughter. She receives about $485 in SSI (as an adult disabled child), but qualifies for $700 under her father’s SSDI benefits. Will she receive $1185 total or $700 or $485 per month total? Thank you.

    • Sophie says:

      Kay, one other thing…
      if her SSI goes up to $721, will her SSDI benefit ($700) be eliminated?

    • Kay Derochie says:

      Dear Sophie,

      The amount of Supplemental Security Income (SSI) your granddaughter is receiving indicates that her SSI is being reduced because she is receiving in-kind (non-cash) support and maintenance due to not paying her share of housing expenses where she lives. If she continues to receive in-kind support and maintenance in the form of food and/or housing, the $700 in disabled adult child Social Security benefits will cause her to be ineligible for SSI benefits. However, if she starts to cover the cost of her housing and food, then she could receive federal SSI in the amount of $41.00 monthly to supplement her Social Security.

      Sincerely,

      Kay

      • Sophie says:

        Thank you Kay. That was very helpful.
        She is due 4 years worth of backpay on her father’s SSDI, but she has been receiving SSI during that time. Will her backpay consist of the difference between her SSI and SSDI for those four years?
        Thanks again.

        • Kay Derochie says:

          Dear Sophie,

          Because your daughter’s Social Security and SSI are both disability benefits I do believe that her retroactive disabled adult child benefits will be reduced by the amount of SSI she has received for the same months.

          Sincerely,

          Kay

  60. Vivian says:

    Hi Kay:
    I have a son with severe autism soon to be an adult. We live in California. I want to know would he receive SSI or SSDI? Also when he applies does he has to specify that he pays rent , food, and bills even if he lives at home with his parents? How much will he qualify for? Thanks so much for your time.

    • Kay Derochie says:

      Dear Vivian,

      About three months before your son turns eighteen, you can apply for Supplemental Security Income (SSI) for him. Once he is an adult, his parents income and assets do not affect his eligibility. If he receives free room and board, then his SSI will be reduced. The maximum Federal SSI is $721 if he has no other income and pays for his housing and food. If he is getting free housing and food, the federal benefit could drop as low as $481. Benefits amounts are calculated on a month-to-month basis; so if he starts to pay for his food and shelter costs after his SSI starts, his benefit would go up. The State of California pays an SSI state supplement of approximately $150.00, which is in addition to the federal SSI amount.

      When you or his father begin to receive Social Security benefits or when one of your passes away, if your son is unmarried, he can also apply for Social Security disabled adult child benefits, which are paid to adult children who become disabled before age twenty-two.

      Sincerely,

      Kay

      • Vivian says:

        Dear Kay:
        Thanks so much for answering my questions. As a parent with a special need child, I have so many questions and thanks to nice people like you I can prepare for my son’s future. It is not easy, i wish my son was typical but I am content with my angel. God Bless and thanks for helping all the parents like me.

  61. Kathy Miller says:

    Hello Kay. I am 53 years old. I have applied for SSI here in New York State and won’t have my telephone interview until the middle of August. I believe I will be approved because when I gave my information to the woman at SSA, she told me that I qualified. I am divorced but was married for fourteen years. My ex husband is sixty five and collecting full social security benefits. I do not receive court ordered alimony. If I receive SSI, will I be entitled to any of his benefits? I know I will be entitled to widow benefits if he passes, but what about now? Thank you.

    • Kay Derochie says:

      Dear Kathy,

      You can receive Social Security reduced divorced wife’s benefits at age sixty-two if you and he were married for ten years or more. To receive divorced wife’s benefits at a younger age you have to have a child of your ex-husband’s under age sixteen in your care.

      Sincerely,

      Kay

  62. Mary says:

    Hi, I just applied for SSDI in the state of Pa. I also wanted to apply for SSI also. On my SSDI application they asked if I planned on applying for SSI and I marked yes. So do they automatically send my info to SSI or do I have to apply separate for it?

    • Kay Derochie says:

      Dear Mary,

      The medical reviews for Social Security Disability (SSDI) and Supplemental Security Income (SSI) are conducted at the same time. The only difference between them is that for SSDI, the examiner looks to see whether you were disabled when you were last insured for SSDI (if you are not still insured). For SSI, you only have to be disabled currently. The local Social Security office will be contact you to complete the non-medical portion of the SSI application, which cannot be done online.

      Sincerely,

      Kay

  63. Joe says:

    If I start receiving SSI or SSDI in the state of PA and I am currently paying child support. Will the courts automatically take child support out of my disability checks monthly or would my children receive a SS check monthly?

    • Kay Derochie says:

      Dear Joe,

      If your family maximum benefit is more than your own primary insurance benefit, your child will receive Social Security dependents benefits. You need to notify the adult who has custody to file to receive the benefits for the child. In some cases, you can go back to divorce/custody court and get a reduction in child support payments because of the dependent benefits. Usually Social Security is garnished for child support only if you are delinquent in payments.

      Sincerely,

      Kay

  64. Vilma says:

    Hi, My mother is 62 had a work stroke at and is in the process of workers comp claim, She was receiving money from state disability however; at some point the money ran out, so i applied for SSDI which she was denied, they stated that she only has 25 credits and has worked in the US for 5 years. I want to get a lawyer to see if maybe we can appeal the case, would you reccomend getting a lawyer or is there even a case there?

    • Kay Derochie says:

      Dear Vilma,

      It is correct that your mother is not insured for Social Security. She has to be both fully and currently insured. At age sixty-two, to be fully insured, she needs forty work credits. If she is not yet receiving workers compensation or it is a low amount and otherwise she has limited income and assets, she may be eligible for Supplemental Security Income (SSI) disability, which is also administered by the Social Security Administration.

      Sincerely,

      Kay

  65. billy ray holland 3rd says:

    My dad passed away 4yrs ago thay approved me to get benefits off him starting August 1st 2014 of 850 a month so when will I get the back pay on it befor the regular income of 850 a month I would believe huh

    • Kay Derochie says:

      Dear Billy Ray,

      You are likely to get the monthly checks started before the back pay. It can take two or three months after that to get the back pay.

      Sincerely,

      Kay

  66. Tony says:

    Hi Kay… Question please. I am now currently getting SSDI due to me not able to stand nor sit for a period of time, kneel or bend my legs without pain… hard for me to walk stairs, etc. I have metal plates in both legs holding them together. I feel very blessed that they approved me first time through and very grateful unlike the horror stories I have heard from others. My question is; when my brother reached his retirement age the government put him on SS automatically and they stopped his disability payments which, was quite less of an amount than his SSDI he was receiving. Did he do something wrong or should he have done something application wise? Will the same happen to me? or, is it a given fact that is policy.

    Sincerely, Tony

    • Kay Derochie says:

      Dear Tony,

      I don’t have enough information to be sure of what your brother’s situation was, but it sounds as if he was receiving reduced Social Security Retirement before he got Social Security Disability. If so, his retirement benefit at full retirement age would be less than his disability benefit because the retirement benefits at full retirement age have to be reduced for months in which reduced benefits were previously received. Another possibility is that his disability was from another source, which stopped at retirement age. With regard to your own benefits, if you did not receive reduced retirement before getting your disability benefits, your retirement benefit will be the same as the disability benefit.

      Sincerely,

      Kay

  67. tamur says:

    Hello,

    Need your help regarding below scenario.

    I was getting SSI until recently. I work part time (couldnt get full time work due to my mental disability) and my montly income is 450-500 dollars. I got married last year and now my husband is here is USA and has started working also. He makes around 1600-1700$ monthly.
    When I informed SSA about my husband they of course asked about his income. Upon submitting his and mine paystubs they have determined I am no longer eligible for SSI.

    If me or my husband’s COMBINED income drops below SSI income limit of 1082$ in coming months (as the we get sometimes get more hours, sometimes less.. ) would I be able to start receiving SSI again easily or would i have to file a brand new SSI application again from scratch ?

    • Kay Derochie says:

      Dear Tamur,

      If you become financially eligible again within less than twelve months of the last date you were eligible, you will not have to file a new application.

      Sincerely,

      Kay

  68. cynthia says:

    My 7 year old son is going to start getting ssi,he will be getting $784.My husband is the only one working,we 3 kids.My husband’s income is $2,600 a month.How do I know how much of my son’s money due I use for food and shelter?

    • Kay Derochie says:

      Dear Cynthia,

      I suggest that you figure out how much your son’s food, clothing, medical care, school supplies, and personal care cost. Use his check for those things and whatever is left could be spent on shelter. Because your son is a minor living with his parents, no specific amount is required for food and shelter.

      Sincerely,

      Kay

  69. Lizette says:

    Hello, my husband is rec ssi and my daughter just got approved on the 8th of this month I had to stop working to take care of my daughter my husband is disabled permanent by his doctor will they change his to ssd and will my other 2 daughters also get a ck since my husband can not work ever?

    • Lizette says:

      we still have not rec’d my daughters ssi and do not know how much it will be but since my husband cannot work ever i thought my daughters also would rec $ ??

    • Kay Derochie says:

      Dear Lizette,

      Unless your husband was just recently approved for Supplemental Security Income (SSI) and had a concurrent Social Security Disability (called SSD or SSDI) claim that is still being processed, he likely is not eligible for SSD due to not having enough work credits at the time he became disabled. No dependent benefits are payable to your children because SSI does not provide dependent benefits.

      Sincerely,

      Kay

  70. sherry says:

    A few months ago I asked you 2 questions regarding applying for benefits for my 25 yr old who is disabled due to severe anxiety. You were very helpful, and we were accepted on the first attempt.

    Simply wanted to say thank you. How do you get paid from those of us who use your services but never seek an attorney because your help makes the need for such attorneys unnecessary? ( yes, i am kind of asking if you accept a small contribution)

    Anyways, thank you.

    • Kay Derochie says:

      Dear Sherry,

      I am glad that your child was approved and thank you so much for your appreciation. No remuneration is necessary. I am glad to be of service.

      Sincerely,

      Kay

  71. julie says:

    Dear Kay Derochie,
    Could you please help me sort out the mass confusion of SSDI and marriage. I recently married a 100% disabled Veteran who is 65. He receives SSDI and VA benefits. I have been disabled for 10 years and receive SSI and SSDI along with sec 8 housing and food stamps. I am adding him to my housing and changing my name with social security. I know it will affect our income but how badly? Will my benefits be reduced? Will his benefits be reduced? What about my medicare? That is critical to my health. How does the Sec 8 housing get affected if ALL of his income is from disability? I am terrified that getting married will leave us homeless after all deductions are taken. It seems that having the marriage annulled would be a financial benefit. Please help me sort this out. We live in Florida. THANK YOU!

    • Kay Derochie says:

      Dear Julie,

      Your Social Security Disability (SSDI) and Medicare will not be affected by your marriage. You may lose your SSI and Medicaid. HUD will consider both your incomes in determining whether you are still eligible for Section 8 housing and if so how much you will pay. If you are not eligible, do consider that with your combined income and only one household to maintain, non-subsidized housing may be affordable for you.

      Sincerely,

      Kay

  72. Joe says:

    I applied for disability the begining of Jan and will start getting disability checks in Aug. My question is that SSI said i will get one lump sum backpay in the next few days but im wondering will i get back pay or retroactive pay from SSDI? I have had people telling me different things

    • Kay Derochie says:

      Dear Joe,

      Before I respond, please clarify: did you apply for both Social Security Disability (SSDI) and Supplemental Security Income (SSI) and what is the date of disability onset that the Social Security Administration approved.

      Thank you,

      Kay

    • evelyn padilla says:

      hi my adult child was approved for ssi we r asking for her share of household expenses since she is getting the full $721 and our expense three way about $580. well im asking will this be to much and will they allow for this to be her monthly payment. Or can i reduce it. can i just take $400 a month or does the rent, food and utlites have to be split in three witch will be around $580?

      • Kay Derochie says:

        Dear Evelyn,

        For your daughter to receive the full $721 a month, she must pay her one-third share. If you charge her only $400, her SSI benefit will be reduced by $180 beginning two months after she stops paying her full share. If you adult daughter starts to purchase food and eat separately from you, she could apply for food stamps, then her share would not include food, only rent and utilities. Note that utilities do not include phone and cable.

        Sincerely,
        Kay

  73. Danyelle says:

    Hi Kay,
    My question is, I have applied for ssdi a few months back. I have been checking online to see if there has been a decision made. I called the 1800 number and I was told by a rep that a decision has been made since June 19,2014 and my file was sent to quality review. He then proceeded to say it normally takes about 7 to 10 days for the quality check. He then said well all I can tell you is to wait maybe another week and call your local office to see if it has made it back. Today I received a letter saying we are writing to let you know you may be eligible for ssdi but your child could potentially receive an auxiliary check. So it gave me the number to call to apply for her. When I initially applied I added her on the application so I am not sure why they are asking again…Tomorrow will make one month that my app has been in quality review…Is this normal? or does this sound like maybe I was approved?

    • Kay Derochie says:

      Dear Danyelle,

      I’d say that the quality review is complete and processing to pay your benefit is close to being completed. Listing your child on your application is not a full application for her, so you need to do as asked and call the number to complete the application for her to receive benefits also.

      Sincerely,

      Kay

  74. Danyelle says:

    After I posted this message I spoke to ssdi and was told a decision still has not been made. But I was told that it was sent to quality then sent back then sent back to quality again…so that’s twice. When I told the rep that I received the letter about the auxiliary benefit she asked me had I been approved..So she then stated I could not do the application for the auxiliary because I had not been approved. but it is so confusing because why did I receive the letter telling me to apply for the auxiliary for my child?

    • Kay Derochie says:

      Dear Danyelle,

      Apparently the letter you received about the auxiliary benefits was sent before the claim was sent back to quality review a second time. You do have the hint that at some point there was a recommendation to approve. Hopefully that will be upheld and finalized by the quality assurance review.

      Sincerely,

      Kay

  75. Anna m says:

    My brother has aspbergers since birth, we applied for ssd, he did not work long enough, he got ssi however, due to the fact that he worked 30 years ago for several years, they are not allowing him back pay off his father and mothers ss.
    He is 64 years old and i was wondering if he can hire a attorney to argue ths because he was always dependent on our parents and now his siblings.
    Also can he collect both ssi and social security, which he has not dine yet.
    Also ssi is telling him his payments are reduced because we helped him with rent payments which we could not affird anyway.
    Please help

    • Kay Derochie says:

      Dear Anna,

      It is probably correct that your brother is not eligible for benefits on his parents records. To be a disabled adult child, a person has to be continuously disabled since prior to age twenty-two. If your brother worked for several years, unless he earned quite a low amount of money (below substantial gainful activity, also called SGA) he would not have been continuously disabled. He can ask Social Security for a chart of the amount of monthly earnings that equal SGA for each of the years he worked. If he worked under those amounts, then he could appeal. If he earned more than those amounts, then he would not be eligible.

      Your question about whether he is eligible for “SSI and Social Security” is confusing because you seem to be saying that he is already getting SSI. Your paying his rent or part of it does count as income and does reduce his SSI. If he worked enough to be insured for Social Security Retirement, he could apply for that benefit.

      Sincerely,

      Kay

  76. KathyDR says:

    Hi Kay

    My husband receives SSDI and has late stage cancer. He is 56. I have read that I will be eligible for his SS if he passes when I turn 60, (I am 54) or if I am 50-59 and disabled. My question is if I begin receiving SSI payments, then apply for his SS because I am then eligible for it since I am disabled, would I receive both my SSI payments and his SS? Or would I only receive the largest payment of the 2.

    Also right now he is receiving both SSI and SSDI until next month when the SSI will stop and he will only receive SSDI. He receives less on SSDI then he does on SSI, (697 SSDI, 721 SSI) So when he begins to receive only SSDI will his amount go up? It seems weird that he would have to receive less than what he would receive on SSI alone.

    Thank you for any response you could give me, it’s appreciated.

    • Kay Derochie says:

      Dear Kathy,

      If you receive Supplemental Security Income (SSI) and then become eligible for Social Security disabled widow’s benefits, your SSI will be reduced. If you have no other income, the maximum you will receive between the two checks in 2014 will be $741.00 per month. If you are disabled and have not already done so, I suggest that you apply for SSI now.

      Your husband’s Social Security Disability (SSDI) will not go up because his SSI stops. I suggest that you find out exactly why his SSI is stopping so that you can be sure that the Social Security Administration is using the correct facts in determining that he is not eligible for SSI>

      Sincerely,

      Kay

  77. Joan R. says:

    I suffer from severe osteo arthritis so much so now that walking even a few blocks will cause swelling and stiffness of the joints.I am 60 yrs old and have worked for 10 yrs.My Social Security statement online stated that if I became disabled now I could receive $773.00 each month in disability benefits.As my work in a fast food restaurant for the past ten years has required me to be on my feet running for almost 10 to 12 yrs each day it has taken a toll on my arthritis which I have been suffering with since age 35.I forced myself to work since I had family responsibility.Now I have come to a state where my spine and shoulder have been affected and which makes it hard for me to work as I am in acute pain and live on pain medication which causes drowsiness.I applied for SSD on May 5th,2014 since I stopped working since April,2014.I have also applied for SSI as was told that my SSA will most probably be denied.My daughter is taking care of my rent and expenses while I am waiting to hear something from the SS office.Do you think I will be approved for SSI seeing I have earned the 40 credits and put in 10 years of work.Also, if approved,does SSI convert to Social Security benefits once you reach retirement age or continue as SSI benefits? Thanks.I would deeply apprecite your advice.

    • Kay Derochie says:

      Dear Joan,

      If you have forty quarters of coverage earned in the ten years prior to becoming disabled, you could be approved for Social Security Disability (SSDI) based on your work credits and your medical condition. You could also be approved for Supplemental Security Income (SSI) for months before your SSDI starts. SSI is paid to disabled individuals who have low income and assets. If you are approved for $773 SSDI, your SSI would stop when the SSDI started. If you are denied SSDI for not enough work, be sure to appeal and give Social Security your 2013 W-2 form and your pay stubs from 2014

      SSDI is changed over to Social Security Retirement at full retirement age with no change in amount. SSI does not change to Social Security Retirement. You would receive Social Security Retirement only if you had enough work credits, which is a minimum of forty. SSI can continue after you reach retirement age if your income and assets remain below the limit.

      Sincerely,

      Kay

  78. abby torres says:

    Hi Kay I receive disability and fir my daughter she just moved with her mom last week my question is can she still get her check even if she lives with her mom?

    • Kay Derochie says:

      Dear Abby,

      From what you wrote, I understand that you receive Social Security Disability benefits for yourself and dependent benefits for your daughter. If that is the case, your daughter can continue to receive dependent benefits. Her mother should apply to be payee to receive the child’s benefits to use for her care. If i have misunderstood the situation, let me know.

      Sincerely,

      Kay

  79. Mmatth says:

    I wanted to know something……

    I have applied many times for SSI. Always denied. I did retain an attorney. I had my ALJ hearing June 24th 2014. It’s been close to 4 weeks and still no decision. At my hearing she ruled I can no longer do my previous work. I am 43 and don’t have enough work credits to get SSDI. I don’t have any assets and no income. My big question to you is this: I am deaf/hard of hearing and my adult kids (I depend on them) are moving out. I do have the chance to move to another state and get married. Will me getting married affect my back pay if I do win? I am waiting to go after I hear a decision.

    Thank you,

    MM

    • Kay Derochie says:

      Dear Mmatth,

      To be approved for disability at age forty-three, you must be unable to perform any occupation, not just occupations you have performed in the past. If you are approved for Supplemental Security Income (SSI) and get married, your spouse’ income and assets will be considered in determining whether you are eligible for benefits beginning with the month you get married. Your spouse’s income and assets will not affect your benefits for any months before your marriage.

      Sincerely,

      Kay

  80. Kristina says:

    Hi Kay im extremely confused so I hope you can answer my questions.
    Ok I have been considered disabled since child before the age of 22. My onset date was August 2004. Recently my that time I only had 18 credits so I only qualified for ssi. Recently my husband became disabled and qualifies for ssdi. his monthly amount is $779. So i was talking to a representive and she said because of my husbands $779. There is a couples rate of $1082 so my check will be reduced to $332 and ongoing. Im not sure how they can do that because he is not getting ssi he is getting his insurance payment that he worked for! This is our only income and we dont receive anything else. Can u clarify this for me?

    • Kay Derochie says:

      Dear Kristina,

      When a husband and wife are both disabled and one or both person’s Social Security benefits are below the SSI income limit, they are treated as an eligible couple for SSI. The maximum SSI amount for a couple is $1,082 per month reduced by other income. The first $20 of your husband’s Social Security is not countable income. This means the maximum SSI of $1,082 will be reduced by $759 Social Security. The remaining amount payable is $323.00 is usually split and evenly between the husband and wife, $161.50 each. Your husband’s SSI eligibility allows him to be eligible for Medicaid, which is a valuable medical insurance benefit. If they have not asked your husband to file an SSI application, he should do so, to get the Medicaid.

      Sincerely,

      Kay

  81. Danyelle says:

    Hello Kay,
    I called back to SSA but this time the local office to see if I would get a different response. I was told I was approved and that my file was at the payment processing center. Now even when I go online to check for a decision its still saying no decision has been made. Once the local rep saw that my case was approved he went ahead an made an appointment for me to file for my child for auxiliary. As for as being paid how far do they go back with ssd, because I was told they can go back to when you were first diagnosed. Or do they just go back to the date my app was filed? Also I had been receiving disability from my job for a little over a year, but diagnosed in 2006. And if they only go back to my app date which was the beginning of May do I have to file for SSI for those months that you have for the 5 month waiting period with SSD? The rep told me they would explain everything at my appt. but I was so excited that I did not realize the apt was made for Sept 15, instead of Aug 15. Or should I call back? I am a little afraid that if its not the local office they want share any info like before. Only that it had went back to review for the second time…Thanks so much for your advice……..

    Danyelle

    • Danyelle says:

      Hello Kay,
      I just checked online on the ssa website, was trying to do an estimate on how much my disability check would be and noticed it said $xxx.xx one time payment 7/28/2014. but says monthy amount $0.00. is this because they are not finished processing it? And does that date actually mean they will deposit it into my account? And if so do I still apply for ssi so it would cover for the five months that will not be included? And im asking because I still have no letter that has came and said nothing….

      Danyelle

      • Kay Derochie says:

        Dear Danyelle,

        Please see my response to your prior question, which was posted a little while ago. You are correct that the information online indicates that the processing is not complete. It will take two or three business days after the payment date before you receive the money in your account. If the payment wasn’t issued on the 24th, the issuance date will change.

        Sincerely,
        Kay

    • Kay Derochie says:

      Dear Danyelle,

      The status of your claim will continue to show as pending until the payment has been generated. I doubt you will get more information by calling back. Social Security disability benefits begin to accrue the later of twelve months before the date of your initial application or the sixth calendar month after the onset of disability approved by Social Security. If you are receiving disability benefits from your employment, it is unlikely that you will qualify for SSI, which has income limitations.

      Sincerely,

      Kay

  82. emily says:

    im currently receiving $1,546 a month in ssi for 2 children and have another child not disabled. this is my only income. if i begin to work part time which is the only thing i just came across, will my ssi amount change or stop? i would probably make less working but id rather get paid at least 2 times a month instead of 1.

    • Kay Derochie says:

      Dear Emily,

      Whether or not your children’s SSI would be affected depends on the amount your earn. Before any of your earnings is counted against their benefits, a certain amount will be excluded as a work incentive. Additionally, an amount will be allocated for your support and for the support of your non-disabled child. You can read about how parent-to-child deeming (counting parents’ income) works under the SSI tab of http://www.disabilityadvisor.com. You can also ask Social Security to estimate the impact of your expected salary.

      Sincerely,

      Kay

  83. James says:

    why im only receiving ssi and not ssdi also?

    • Kay Derochie says:

      Dear James,

      Social Security Disability (SSDI) requires sufficient work credits which are earned by working in jobs that are subject to Social Security (FICA) taxation. When you applied for Supplemental Security Income (SSI), your earnings record was probably reviewed to see if you had enough work to qualify for SSDI.

      Sincerely,

      Kay

  84. EBONY says:

    HI I HAVE A QUESTION I STARTED RECEIVING SOCIAL SECURITY FOR MY SON IN 2012 AND IF I BECOME UNEMPLOYED WILL THE BENEFIT FOR HIM BE THE SAME OR GO UP OR GO DOWN? PLEASE HELP

    • Kay Derochie says:

      Dear Ebony,

      If your son is receiving Social Security dependent benefits and you are not, then your income or lack of it will not affect his benefit. If he is receiving Supplemental Security Income (SSI) and you became unemployed, his benefit could go up if he was not already receiving the maximum.

      Sincerely,

      Kay

  85. lori oathout says:

    Dear kay, hello I have read several of your responses and have found out more from you then social security has ever told me. Heres my question, I am my grandsons payee, he was awarded a total judgement of $9551.80 that’s what my first letter stated, the my next letter stated he would receive $7162. that’s minus the attorney fees, now I did receive a very small stipan from social services over the past 19 month period $ 260.00 per month medical, healthy NY and that’s it no food stamps, now how much of his awardment will be paid to social services, that’s how I found out his case was approved, the worker called me and said Michaels case is closed his ssi benefits are starting. Thank you for any help, my payment from social services is called kinship foster payment. Lori

    • Kay Derochie says:

      Dear Lori,

      Check with the New York social services offices to find out whether any of the foster care payments have to be repaid. It is possible that repayment is not required.

      Sincerely,
      Kay

  86. Tiff says:

    My father has been fighting for disability for several years, has a lawyer and recently had a hearing scheduled. We recvd a call from SS saying a decision had been made that the hearing was cancelled. A month and 1/2 and of course we are still waiting for an answer, but today he recvd a letter from the Medicaid stating that though he was denied SSI he may still be eligible for Medicaid???? Extremely confused.

    • Kay Derochie says:

      Dear Tiff,

      This is confusing. Your father needs to check with his attorney to see if he or she has gotten any notices. The cancellation of the hearing sounds as if a favorable medical decision was going to be made “on the record,” that is, on the information in his claim file. It is possible that your father has been approved only for Social Security Disability and denied Supplemental Security Income (SSI) because of income or assets over the limit. He can try calling the Social Security Call Center at 1-800-772-1213 to inquire whether his record shows denied SSI with Social Security still pending.

      Sincerely,
      Kay

  87. Kimberly says:

    Hi Kay, This month my daughter was approved for SSI, going back to 02/2012. I know she will be awarded the back pay. My question is, I have two other daughters & since 02/2012 I’ve been receiving AFDC & Medicaid. Will SS deduct any of her backpay to repay her portion back to AFDC? Thanks

    • Kay Derochie says:

      Dear Kimberly,

      Yes, an amount will be withheld from your daughter’s back Supplemental Security Income (SSI) to repay her portion of the AFDC grant. Typically, Medicaid payments are not subject to repayment.

      Sincerely,

      Kay

  88. Pamela says:

    Hi,
    Recently I was approved for SSI. I applied in 2011; and now in 2014 I have been approved. I will be getting backpay. However on March 31st of this year I got married, then on May 26 we separated. He makes over 3000.00 a month at his job. So I know if I were still with him I would not be eligible for SSI; but now we are apart. Do you suspect that this will cause any problems for me? As I said before, we are now separate. I am guessing they will just deduct those 2 months from my back pay?? Is this correct?? Thanks for all your help.

    • Kay Derochie says:

      Dear Pamela,

      If your husband’s income is too high for you to be eligible for Supplemental Security Income (SSI), you will not paid for April and May. You need to notify Social Security of your marriage and separation and provide a copy of your marriage certificate and proof that you are separated such as proof of the date you or your husband started to pay rent at a new address.

      Sincerely,

      Kay

  89. Idis says:

    Hi before I applied for Ssdi and ssi I was told that my monthly Ssdi would be for $1,300 per month if approved when I called the ssa office. Original disabled date was August 2009 but I applied may 2014. I received a call today that they approved me for ssi but he didn’t give me the amount over the phone instead told me to go to the office to fill out the paper work with my mother bc we had listed that she takes care of my bills bc it is too stressful for me. Since my disabled date of 2009 I started doing freelance photography only taking like 2 clients per month and making about $6-700 per month until I completely had to stop the part time work November 2014. Now I’m not even sure what disability date they will use. I also have 2 kids. How do I get extra ssdi for them due to my being disabled. They are healthy.

    So now I am so confused. Why am I getting ssi when I was originally told I wouldn’t qualify bc my ssdi would be 1,300 per month? Will they give me ssdi back pay all the way back to 2009 or will they back pay 12 months before my application date or back pay to nov 2013 when i stoped my part time photograpby sessions? And is the ssi only issued for 5 months until I were to get ssdi. I’m sadly so confused!!!

    • Kay Derochie says:

      Dear Idis,

      Your work will probably not affect your eligibility for Social Security Disability (SSDI), but you do need to report it, if you haven’t already. Your SSDI benefits will start twelve months before your application if Social Security has agreed that your disability date was at least seventeen months before your application. Your minor children will be eligible for Social Security dependent benefits. The adult who is caring for them needs to apply to be payee for their benefits.

      Supplemental Security Income (SSI) is usually paid first. If you are otherwise financially eligible, it will be paid for the months June 2014 through the month before you receive your SSDI payment. When you receive your SSDI back pay, it will be reduced by the amount of SSI paid for the same months.

      Sincerely,

      Kay

  90. deaven says:

    Hi, I just recieved my letter after a year since my hearing, it says my claim is medically favorable and that I had to complete the non medical portion of my case. so when I spoke on the phone with the social security office she told me that my case was accepted, but she used the words partially accepted but wouldnt elaborate. do you know what that would mean if it means the back pay is not going to be complete or what? any info would help as I am freaking out. btw it is for SSI not dissability

    • Kay Derochie says:

      Dear Deaven,

      Take a look at the letter from the judge. Does it say “notice of favorable decision” or “notice of partially favorable decision.” If it says the latter, either the judge has determined that you became disabled later than you claimed or the judge has determined that you are no longer disabled, which would mean you would receive only one payment and no ongoing payments. If the letter doesn’t answer your question, I suggest you call the person you spoke to and ask for an explanation of “partially accepted.” It could just mean that they have not completed the financial review needed to confirm your financial eligibility.

      Sincerely,

      Kay

  91. Joseph says:

    Hello, I have been decieving SSDI for 15 years, I get currently 974$ a month, how do I know if I’m elegible me for SSI? I can hardly take care of myself on 974$ a month

    • Kay Derochie says:

      Dear Joseph,

      The income limit for federal Supplemental Security Income (SSI) is $741. Some states pay a supplemental SSI, which allows somewhat higher income. What state do you live in? If you haven’t already, you might apply for SNAP (foodstamps) through your local health and human services department.

      Sincerely,

      Kay

    • Pennie says:

      Kay
      I Was receiving SSI when I was younger , both of my parents pass. When I turn 18 they cut my SSI off because of my attendance In school I only was out for three months to give birth to my first son. So I took documentation up to the SSI in Florida and my application was denied so I gave up and start working to take care of my son. So now I’m 35 out of work at the moment do you think I still can get SSI from my parents…. And if so what would I need to do

      • Kay Derochie says:

        Dear Pennie,

        I believe that you were receiving Social Security dependent benefits not SSI, which is Supplemental Security Income. To receive child’s Social Security benefits after age eighteen, you must have become disabled prior to age twenty-two and be unmarried.

        Sincerely,
        Kay

  92. shawna says:

    Kay,
    I have end stage renal disease I have my 2728 u3 on flie with the social security office I am receiving medicare . My gueston is that it states
    you have esrd you should beable to receive persumptive disability while waiting for my case to be decided. I also asked for a OTR review. Why havent I received any letters from the ss office. I have called several times but they keep give me the run around

    • Kay Derochie says:

      Dear Shawna,

      Could you please clarify whether you have an initial application pending or an appeal and, if an appeal, whether you are at the reconsideration or hearing level.

      Sincerely,
      Kay

  93. Kathleen Galas says:

    Hi Kay!

    I need some advice. I am 55 years old and on SSD since 2006. I collect $1273.00 SSD and $915.89 NYS Pension. I have a 33 yo son with Down Syndrome who currently lives in a group home and collects $457.00 SSI and 689.00 SSD from me. We live in NY and I am considering moving to California within the year. I will be taking my son with me to live with me (not in a group home). Can you give some idea if our benefits will be affected and how? Thank you! –Kathy

    • Kay Derochie says:

      Dear Kathleen,

      Your and your son’s Social Security benefits will not change if you move to California. Both New York and California have state SSI supplements. The amount of Supplemental Security Income (SSI) he is receives is likely to change because his living arrangements will be changing. If he pays his share of shelter and food costs while living with you or pays a flat amount for room and board (or room and eats separately) and the amount is market rate, he will receive more SSI than if he does not.

      Sincerely,
      Kay

  94. adrienne rodriguez says:

    Dear kay, my husband might have to stop working due to the injuries he has fromworking as a ramper at the burlington international airport here in vermont, my ssdi benefits are affected by his income to where i receive no benefits. If he was to get ssdi benefits will they affect my benefits. Thank You.

    • Kay Derochie says:

      Dear Adrienne,

      If your husband’s work earnings affect your disability benefits, then you are receiving Supplemental Security Income (SSI), not Social Security Disability. If your husband becomes eligible for Social Security Disability (SSDI), his benefits will be considered in determining whether you can receive SSI. Unearned income is treated differently from earned income. You can find information about calculations in the article “What are Deemed Income and Resources and How Do They Affect SSI Payment Amounts and Qualifying for SSI Disability?” under the SSI tab on this website.

      Sincerely,
      Kay

  95. adrienne rodriguez says:

    My husband is 54 and has no cartillage in his left shoulder and he limited range of motion in his right shoulder a chipped bone in his rotator cuff he has no labram tendon and it has caused him to have arthritis and constant pain. He does not want shoulder replacement surgery. Is he a candidate for ssdi benefits. Thank You, adrienne rodriguez.

    • Kay Derochie says:

      Dear Adrienne,

      Being over age fifty, your husband could qualify for benefits if he is unable to do any of the occupations that he has done in the past.

      Sincerely,
      Kay

  96. Jessica Stern says:

    Hi, I applied for social security after my disabilities became too sever to work. I worked from the age of 16-29. I recently had a second hearing after they found the judge made a mistake in my previous hearing. My lawyer thought that my hearing went well and that I should probably receive benefits finally. I agreed to change my disability onset date to one year after I applied (so changed it from 11/09 to 11/10). My questions are: 1) How much money can I expect in back pay? 2) What are the rules concerning back pay and how it is spent? I currently live in low income disabled housing and will have to pay a third of my income towards rent. I hate living here and want to use my back pay to buy a condo and get out of public housing. Is this possible? 3) I haven’t had income in 5 years so have received help from my dad (between $50-100/mo.) that I told him I would pay him back when I could. Can I pay back personal loans with my back pay? 4) Will I have to pay retroactive pay for living in low income disabled housing, and paying no rent due to having no income? 5) Where can I find the rules for spending back pay in Wisconsin? Is is considered an asset or income? If I do get paid in several payments can I put that money into some kind of account to save for a condo down payment? Sorry for all the questions. I don’t know where to turn. I never thought I would have a problem with having too much money after being poor and homeless over the last 5 years.

    • Kay Derochie says:

      Dear Jessica,

      To answer your numbered questions:

      1. If you had enough work to be approved for Social Security Disability (SSDI), the back pay will be paid to you in a single lump sum. If you are approved with a November 2010 disability date, back pay will begin May 2011. The amount will be your monthly benefit times the number of months that have elapsed since May 2011. If your benefit is Social Security, you can use the money anyway you want. The remainder of my responses apply only to Supplemental Security Income (SSI).

      2. If you are eligible for Supplemental Security Income (SSI), benefits will begin to accrue the later of December 2010 or the month after your initial application. SSI back pay over $2,163 is usually paid in three installments six months apart. You can request release of the full amount saying that you want to get out of subsidized housing and buy a condo and you might be granted an exception. The only rules about spending SSI back pay are that you not give it away. Giving away money could result in your not being eligible for SSI for a period of time. If the arrangement with your father was a bonafide agreement that you would repay him when you got your back pay, then you can repay him as you would any other debt.
      4. I have not heard of having to repay a housing subsidy, but to be sure to check with the housing authority regarding whether you have to repay the value of your reduced rent.
      5. Income is money or in-kind support and maintenance received in a month. Resources are what you own on the first minute of the first day of the month. Social Security is income in the month that it is received. It becomes a resource the first of the following month, but SSI law does not count SSDI or SSI back payments as a resource until nine months after their receipt, so you could save up.

      Sincerely,
      Kay

  97. Jamie says:

    One question, my sister is Rep payee for her son who is now 18 and recieving disability payments. Unfortunately she is divorced and has 50/50 custody of her children. Is she required to give her ex-husband money from her sons payments? I am concerned because if she is giving him some money for her son, how is she to know that the money is being used the way it is supposed to be? She is the one who it falls back on to provide proof it is being spent the way it should be.

    • Kay Derochie says:

      Dear Jamie,

      Your sister should get a receipt or other proof from her ex-husband each time she transfers money to him. Also, she should ask him to track how the money is spent for the child (housing, food, clothing, school supplies, medical care, recreation, etc.and give her a copy of the tracking record once a year when it is time for her to account for use of the funds.)

      Sincerely,
      Kay

  98. Jean says:

    My ex-husband is not in contact with me or our two children, and has not been in 5 or 6 years. I had heard a few years ago that he was applying for SSDI but it had been denied. He just recently received SSDI and I believe it went back to 2011. He DID NOT CLAIM the children on any of his applications or appeals from what I can tell.

    I have applied for benefits for my just turned 17 year old son, and my now 19 year old daughter applied for herself. I understand she would only have been eligible through age 18 or end of high school. SS has told me that my son is eligible for monthly benefits, and 12 months back benefits. My daughter was told she gets nothing. However, this does not seem fair since it is not our fault he lied and we did not know to do anything to protect ourselves.

    My question is – If my ex gets benefits back to 2011, shouldn’t his children also get back benefits to 2011? We did not know anything about his appeals and he lied on his paperwork. Do we have any recourse? What else should I be doing? I have been told to hire a lawyer – what would you advise?
    Thank you for your time,
    J

    • Kay Derochie says:

      Dear Jean,

      The children’s application date is protected only if your ex-husband listed the children. Since he did not, retroactivity is based on the currently filed children’s application. If your nineteen-year old has been over age eighteen and out of high school for more than twelve months, then it is correct that she is not eligible for benefits. If she had been, your younger child’s benefit would have been lower.

      Sincerely,
      Kay

  99. sharika says:

    Hello my husband just got his award letter for ssdi and the withholding back pay from may 2013 to july 2014 he was found disabled in November 2012. What exactly does this mean he starts getting his ssdi in September his first check so will he be able to get his back pay??

    • Kay Derochie says:

      Dear Sharika,

      Social Security back pay is paid one month to as much as three months after the first monthly payment is processed for payment.

      Sincerely,
      Kay

  100. Megan says:

    Hi Kay -
    We are the guardians of our 17-yr old niece. She receives SSD & death benefits. She was incarcerated from Dec to Feb because she attacked me, trying to kill me. SSA docked her benefits the past 2 months because we still received benefits while incarcerated (I didn’t understand that it needed to be reported if she was in a state institution). However, now she is in a group home. Though the group home does a lot for her, we still help w/whatever she needs. My questions are: 1) Do we need to report she has been in a group home, 2) Should I still be her payee until she’s 18 (she’ll need one for the rest of her life due to mental disorders), 3) can we continue using the money to pay for her needs, 4) can we use the money to pay for past bills she has accrued after her current needs are met, and 5) can we save money for her? How do we report this on the annual report? Will she lose benefits if we save her money? Can we send her gift cards as well? And can we take her out for entertainment when we visit?

    Thank you in advance! We just want to cover all of our bases!

    • Kay Derochie says:

      Dear Megan,

      Given that your neice is a minor, I would not expect her to be receiving Social Security Disability (SSDI) and survivor benefits. My guess is that she is receiving Supplemental Security Income (SSI) and survivor benefits. My responses are based on that assumption.

      Your niece may not be eligible for Supplemental Security Income (SSI) payments while in a group home. You need to report the new living arrangement as soon as possible. You can continue to be payee for your niece’s Social Security survivor benefits, as long as all the money is used for her current needs first, including the cost of her group home because food and housing are first priorities for spending. Usually, the group homes require that all but $30 a month be paid from private (your niece’s) funds for room, board, and services before public funds are tapped.

      If she is eligible for more than is needed to meet her current needs, you may save money for future needs. An SSI recipient has a $2,000 asset limit. I would discuss payment of debts with Social Security before initiating that action.

      Sincerely,
      Kay

  101. stacie brown says:

    Hi kay if my child got approved for ssi will they go off my income to determine how much she will get monthly?

    • Kay Derochie says:

      Dear Stacie,

      Yes, if you live with your child, your income will be considered in determining the amount of your child’s Supplemental Security Income (SSI) payment. Financial eligibility for SSI is determined on a month-by-month basis, so if your income changes, the SSI benefit may change.

      Sincerely,
      Kay

  102. rena says:

    Hello…i have a question i applied for ssi for my 12 years old son last year in November 2013. He just got approved this year in July.His disability began on may 2013. my questions is why did social security send me a letter about retroactive benefits and why i have 2 set up a bank account for my son? Why social security cant put the money in my bank account i gave them my bank statements. Another Question… i thought retroactive and back pay is different and ssi clients can’t get retroactive benefits. is that true……

    • Kay Derochie says:

      Dear Rena,

      There is a tendency to talk about back pay and retroactive pay as the same thing, but technically retroactive benefits are benefits for months before the month of application and back pay is either benefits due from the date of application to present or both retroactive benefits and benefits for months after the date of application. You son’s benefits will start to accrue December 2013 (assuming he is financially eligible then) unless you applied on November 1, in which case the benefits will start in November.

      You must keep your son’s benefits separate from your money so that you can track its use and be sure all the money is used for him–not for you or anyone else. You will be asked to account for it once a year. The bank account that Social Security is asking you to set up will have a title (“your son’s name by your name, representative payee”) that shows the money belongs to him and you just manage it.

      Sincerely,
      Kay

      • rena says:

        Hello Kay, i have another question to ask. i went to my local Social Security office and now they are telling me that i have to open 2 accounts for my son. one account for the back money and 2nd. one for his monthly payment s. I thought that the monthly payment can go in my account. My question is with the (BACK PAY) money i know i can’t spend it how i what but what if i don’t spend it @ all will Social Security take the money back if i don’t spend it?

        • Kay Derochie says:

          Dear Rena,

          As explained in my previous response, you cannot put your child’s regular monthly checks into your own bank account. With regard to the dedicated account, the account will stay with your child permanently. If the payee changes to your son when he turns eighteen or to another person, you must account for the money and transfer it to the new payee. In short, the money stays with your son. At some point, if he remains disabled for a long time, he will likely need to use some or all of it.

          Sincerely,
          Kay

  103. rena says:

    Yes, a successful applicant for disability benefits may receive payments for time before the date the benefits are awarded. “Back payments” refers to payments for the period between the initial application and the award, and “retroactive payments” refers to payments for the period between when the applicant became disabled and the initial application.

    In the case of Supplemental Security Income (SSI), an applicant may only receive back payments from the date of the application onward. Retroactive payments are not available for SSI.

  104. sharika says:

    My husband has been awarded ssdi of 822.00 a month im on maternity leave dont make much probably bout the same he gets a month and we have a five year old and one on the way this not nearly enough will this amonth go up after our babys due. Is this how much you get when married wit kids??

    • Kay Derochie says:

      Dear Sharika,

      If you have not already applied for dependents benefits for your five year old, you should do so right away. The application will inform you of whether your husband’s Social Security is high enough that his family maximum is more than his benefit. If it is, dependent benefits will be payable to your five-year-old and to the baby when it is born.

      Sincerely,
      Kay

      • sharika says:

        What do you mean it will inform u if it is high enough so my five year old is able to recieve benefits y would I have to do an application

        • Kay Derochie says:

          Dear Sharika,

          Apologies for the typographical error in my previous response. If you apply for the children, Social Security will tell you whether or not your husband’s work earnings and corresponding benefits are high enough to pay dependent benefits. Another way to find out would be for your husband to call Social Security at 1-800-772-1213 and ask for the amount of his family maximum benefits. If the amount is higher than the amount he himself is getting, then benefits will be payable to the children.

          Sincerely,
          Kay

          • sharika says:

            If your monthly benefits are high your dependants kant get benefits.

          • Kay Derochie says:

            Dear Sharika,

            It is the other way around: If your earnings are high enough that your family maximum benefit is more than your benefit, then dependent benefits are payable. The higher your benefit, the more likely your children will be eligible for dependent benefits. For example, a worker with Social Security benefit of $700 would have little or no dependent benefits payable to his family; whereas, a worker with a Social Security benefit of $1,400 would have dependent benefits payable.

            Sincerely,
            kay

  105. Jane smith says:

    My child and I is receiving SSI, I plan on getting married next year and my fiance makes a minimum of 3000 a month. I am trying to find out how his income will factor in how we qualify for benefits… when an adult and a child is receiving ssi. By the way my child will become his step parents.

    • Kay Derochie says:

      Dear Jane,

      I estimate that about $550 of your husband’s income will count to reduce your SSI benefits and about $550 to reduce your child’s SSI. However, I suggest that you go to Social Security and request that they give you an estimated calculation for both you and your child just to be sure. Also, there is a $3,000 resource (countable asset) limit for you and your husband.

      Sincerely,
      Kay

      Sincerely,
      Kay

      Sincerely,
      Kay

  106. Pamela S Guerin says:

    I have been receiving SSI (I am assuming) for close to 8 years. I suffer mental illness and have suffered it most of my life. I was officially diagnosed at the ago of 19 and have seen numerous psychologists and psychiatrists in many different mental health clinics. The illness actually began at the age of 9. I am not certain if my SSI is permanent or temporary, and would really like to know. I am disabled permanently, no doubt, I have been on medications 3/4 of my life. Now I suffer physical disabilities as well, one in particular is life threatening and in the realm of cardiologic. I have been on pain management for chronic pain for almost 4 years as well. I need to know what I can do to possibly get an increase in my benefits, and possible get some kind of benefits for my son; he also suffers some mental and physical disabilities brought on by an abusive father for a 10 year period. I have him with me now and his name has been changed, but the damage is still there and most likely will be the rest of his life.

    • Kay Derochie says:

      Dear Pamela,

      You will receive Supplemental Security Income (SSI) as long as you remain disabled and have income and assets within the SSI limits. Benefit calculations are based on your income including in-kind (non-cash) support and maintenance in the form of free or privately subsidized housing and/or food. The maximum federal SSI payment is currently $721. Some states pay a small SSI supplement. If you believe that your son is disabled, you can apply for SSI for him.

      Sincerely,
      Kay

  107. Molly says:

    Hi,
    I am moving to Florida from Ohio and I receive SSDI. I receive 1,275 per month. Will that stay the same in Florida? Also, I will be moving in with my daughter who will become my payee…will I be eligible for any other assistance. My 18 year old daughter will be with me as well and receives a social security payment which terminates once she graduates high school. I am on disability due to severe mental illness. Can I receive food stamps or housing help if I live with my daughter/payee?

    • Kay Derochie says:

      Dear Molly,

      Your Social Security Disability (SSDI) benefit will remain the same in Florida. If you buy and prepare your food independently from your daughters, you may be able to get food stamps for yourself. Eligibility for housing assistance would depend on the combined income of the whole household, as would food stamps if you all share meals.

      Sincerely,
      Kay

  108. April mincy says:

    Yes I have been told over the phone since I haven’t worked in the past ten years I can’t get my disability. I have the Arnold Chiari malformation of the brain where the cebeluar tonsels of my brain is drooping putting pressure on my spinal cord restricting spinal fluids to flow right. This causes sever to say a migraine is underrated headaches at least 3-5 days a week I do work two hours a week cleaning a office but the hold no taxes out of my check at 100$ a week and I’m in pain for the whole week after I clean just two hrs I also have other medical problems as well my question is is it true I can’t receive being it’s on all the time I have worked in my past when I was able? I feel helpless and hopeless not being able to help take care of my children financially. It’s a big burden on me causing me even more stress than I’m under knowing my husband is trying his best and we r barely keeping our heads above water. I wouldn’t need medical ins at this time he has it on us or I wouldn’t be able to get what little treatment I get now. Plz can u give me some clarity or insite on this. Chiari isn’t just what I have described to you it’s a lot more many doctors no not a lot about but it’s heritarity I didn’t ask to be this way and yes it does and can kill. Ty for your time.

    • Kay Derochie says:

      Dear April,

      Depending on your total family income and the number of minor children you have, you might qualify for Supplemental Security Income (SSI) disability benefits. I suggest that you contact Social Security to request an appointment to apply. When you apply, be sure to list the work you are doing and how much you make. Describe any difficulties you have on the job or absences due to illness if they are frequent.

      Sincerely,
      Kay

      Sincerely,
      Kay

  109. jackee says:

    Hello Kay,
    My question is regarding my fiance he became disabled in april 2013 and we applied for ssd in February 2014 does he qualify for back pay from the day his disability began??? One more question if I may add on the social security website had the estimated retirement and if he became disabled will that be the amount he will receive once he gets approved God willing thank you for your time

    • Kay Derochie says:

      Dear Jackee,

      If your fiance applied for Social Security disability (SSDI), benefits will begin to accrue October 2013. He can request an earnings statement, which will show an estimated current disability benefit, which is calculated as if he were at full retirement age now.

      Sincerely,
      Kay
      Sincerely,.

  110. RON says:

    Hello Kay,I have a question about ssi I am receiving,I am 56 yrs old I have a disability for 7 yrs now,my dr told me I should go on disability when they diagnosed me so I did it without any lawyer to help me on this,bad move cause I think I messed myself up,now I know I should of appealed this when I got the notice to do so,when I filled the forms out it asked if I worked the last five yrs and I did not so that’s why I did not appeal it cause I thought I would just lose cause of that,I worked for 20 yrs and have enough credits for retirement but I was awarded ssi and not ssdi,I did not know at the time there were a difference about the two so when I won ssi I thought that would just be ss,but later down the road I started to investigate this and learned that I cannot have resources over 2000.00 with ssi and I started to worry ,when I go to the ss website I see all my info there when I sign in,and it gives me a dollar amount how much I would get when I reach retirement age, now I like to know what I should do when I reach my retirement age when I’m on ssi,What happens,should I stop ssi and wait for my retirement age,will it automatically turn to retirement and is there a way I can stop ssi and get ssdi?I worry about ssi cause if I go over the resource limit I will lose it, not the same with ssdi?Thank you!

    • Kay Derochie says:

      Dear Ron,

      If you became disabled within five years of stopping work and you had worked steadily the five years before ceasing work, theoretically, you could file a new Social Security Disability (SSDI) claim claiming a different disability date than on your first claim, but one within the five year window. In reality, it is very hard to gather medical information from more than seven years ago and perhaps as much as twelve years ago sufficient to prove that you became disabled while you were currently insured for (had enough Social Security work credits) for disability. As far as retirement goes, when you get to retirement age, you can file a Social Security retirement claim and received retirement at that time. Here’s a chart for the age for unreduced retirement benefits. If you take benefits before your full retirement age (available as young as age sixty-two), they will be reduced.
      1943-54 66
      1955 66 and 2 months
      1956 66 and 4 months
      1957 66 and 6 months
      1958 66 and 8 months
      1959 66 and 10 months
      1960 and later 67

      Sincerely,
      Kay

      • RON says:

        Thanks Kay,,Will they add retirement to my ssi disability benefit when I decide to take it,in other words would My check increase more then I get now with ssi…

        • Kay Derochie says:

          Dear Ron,

          Your income will increase if your Social Security Retirement (SSR) benefit is more than your Supplemental Security Income (SSI) benefit. If the SSR benefits are less, you will receive a reduced amount of SSI to supplement the SSR benefits. In the latter circumstance, if those are your only two sources of income, your overall income would go up $20.

          Sincerely,
          Kay

  111. Felicia says:

    Hello kay,I applied for disability for my now 18yr old son who has been approved for ssi my question is if he lives with me an my now new husband but he(my adult son) is required to pay his part in all the household bills will my husbands income be used in determining my sons ssi amount because I’m currently unemployed an if not how will they determine his monthly ssi amount

    • Kay Derochie says:

      Dear Felicia,

      Because your son is of age, your income and his stepfather’s income will not affect your son’s Supplemental Security Income (SSI) eligibility. As long as he pays his share of rent or mortgage and property taxes and utilities (excluding phone and cable) and food (or buys his food separately), his benefits will not be reduced because he is living with you.

      Sincerely,
      Kay

  112. sara says:

    I recently received a letter from ssi stating that the federal part will be coming into my checking account. But I will be contacted by the state for the rest. I have not been contacted, so who do I talk to, to figure out when I will receive my state money?

    • Kay Derochie says:

      Dear Sara,

      Ask your local Social Security office for the address and phone number of the state agency that handles the supplement.

      Sincerely,
      Kay

  113. carlos says:

    my child is receiving ssi for health issues
    now he has also been diagnosed by he’s school with mild
    autism can i receive more from hes ssi with two different disabilities?

    • Kay Derochie says:

      Dear Carlos,

      Your son’s Supplemental Security Income (SSI) payment amounts are based on family income, not on the number of conditions he has; therefore, his SSI will not increase due to an additional diagnosis. In the future if his claim is reviewed to see if he is still disabled, do list all conditions including the mild autism.

      Sincerely,
      Kay

      • carlos says:

        oh ok thank you….well like whats the most i can get if im low
        income in the state of Florida

        • Kay Derochie says:

          Dear Carlos,

          As nearly as I can tell, Florida does not pay a Supplemental Security Income (SSI) payment for individuals living in a private residence. The maximum federal SSI amount is $721.00

          Sincerely,
          Kay

  114. Kim Perry says:

    My mom passed away in October of 2013 and she was receiving social security retirement benefits. She died mid month so was she entitled to one last check because it is a month behind? If so what is deadline for adult children to request funds and what is needed from us to apply?

    Thank you,

    • Kay Derochie says:

      Dear Kim,

      The month of death is not paid. The last month for which your mother was eligible was September 2013, which would have been paid in October. If that check was not paid, you can contact Social Security and file a request for underpayment. There is an order set by law regarding who receives the underpayment. I believe that adult children are second after a spouse.

      Sincerely,
      Kay

  115. Joe Harris says:

    Kay, Im curious. I had my hearing back in August 19. I have yet to hear any kind of decision although my lawyer said that both the judge and doctor were in favor of my claim. The court offered me SSDI Title 2, what does that mean?
    I live in Cali, will I only be receiving 721/month? I have worked many many years but at low paying jobs. Is there supplemental pay for SSDI in Cali, if so what is the going rate?

    Thanks Joe

    • Kay Derochie says:

      Dear Joe,

      If your Social Security Disability (SSD) is more than $741 a month, you will not be eligible for federal Supplemental Security Income (SSI) payments. California has a state SSI supplement, which pays up to $156 to individuals living independently in their own residence. To be eligible for the state supplement, your income would have to be less than $877.40. If you are approved, check with your state regarding assistance as laws can change. You might also qualify for SNAP (food stamps).

      Sincerely,
      Kay

      • Joe Harris says:

        Thanks, as you already know I have no idea just how much I will be getting until Im approved and its all calculated.
        Im already on GR (its like welfare, food stamps, etc.) I was asked to signed up for this while my case is pending,I have been on it for over a year now. Its not much, enough to pay my rent, phone and internet bill and that’s it, plus I get food stamps which really comes in handy.
        I hate being on it, Im so far in debt for other things, friends included. Its really hard and depressing, which is why I applied for ssi (I have major depression and insomnia).
        Thanks for the insight.

        Joe

        • Kay Derochie says:

          Dear Joe,

          If you are approved for Supplemental Security Income (SSI), your back pay is likely to be reduced by an amount equal to the cash welfare assistance you have received for the same months; the money withheld will be sent to the state as reimbursement.

          Sincerely,
          Kay

  116. Lashonda Houchin says:

    I originally filed for SSI for my son in 2012. He was denied and i was told by an attourney it was not worth his time. I filed again in march 2014 after learning that my son not only had adhd but aspergers as well. My question is will they back pay for the entire 24 months since the original application or will they only back pay to march of this year?

    • Kay Derochie says:

      Dear Lashonda,

      It is most likely that your son, if approved, will be paid based on the March 2014 application because you did not appeal the 2012 application.

      Sincerely,
      Kay

  117. Yansa Toussaint says:

    I live in the state of California,became disabled in 2010 and took an early retirement in 2011. I applied for both SSDI and SSI in 2012 and was denied in 2013. I had my hearing this past March and I received a letter on 09/19/14 from SSA saying that I was found to be medically disabled by the State Agency for SSI benefits. I have enough credits to qualify for SSDI so why will I receive a letter from the SSA stating I can get SSDI Title 2 benefits as well as SSI? I don’t think I qualify for SSI anyway because I get a monthy retirement check from my employer of 27 years fthe State of California for $832.42

    • Kay Derochie says:

      Dear Yansa,

      First, I wonder if there is a typographical error in your sentence beginning “I have enough credits” as I don’t understand the sentence. I wonder if you mean “when” will you receive a letter from SSA about Title II SSDI. In case that is what you mean, I’ll say that it can take up to ninety days after getting Supplemental Security Income (SSI) to get an SSDI notice and payment. I suggest that you check with your local office to find out whether a medical decision has also been made for the SSDI and whether your SSDI claim is now in the payment center waiting for the SSI processing.

      With regard to your eligibility for SSI, your state retirement is too high for federal SSI benefits, but you could possibly qualify for a California SSI Supplement, which has an income cap of $877.00 for eligibility. If you are eligible for SSI, you will probably be eligible for Medicaid, which would in turn pay your Medicare premium and provide some coverage not included in Medicare.

      Sincerely,
      Kay

  118. Kim says:

    Dear Kay,
    I have a question. My husband had a disibility hearing last October. He appeared before a judge which he thought went well. Is it common to receive the outcome of the hearing signed by a different judge? The judge that signed unfavorable wasn’t at the hearing. It just seems unfair because the statements he stated on paper was not the same statements that was said at the hearing. We just hope the appeals council will be able to help us out. If they choose to review his case will they request a copy of the audio of his interview?
    Thank you for your time.

    • Kay Derochie says:

      Dear Kim,

      You do not say whether you were assisted by an attorney in your husband’s appeal to the Appeal Council. If you are not, I suggest that he make a detailed statement about the errors in the denial letter and indicate that the transcript will show that incorrect information was used to arrive at the decision. The Appeals Council has access to the transcript and may review it.

      Sincerely,
      Kay

      • Kim says:

        Yes he does have an attorney. I just wasn’t sure if it’s common for a different judge to sign the final decision. His attorney seems to think they will review his appeal. I just happened to come across this website and got excited that I could ask someone who may have been through something similar. He has been trying for several years to get disibility. Guess sometimes we just get impatient. Thank for getting back with me.

    • Kim says:

      Ms.Kay, Sorry I didn’t see your post until I typed this post. I have done research after research on all this appeal stuff. I have a kindle given to me that I do my research on. I left this site open because I was scared I would not be able to find it again. Apparently sence it has been open I was not able to see your reply. Again thank you for your time.

  119. Brenda Decker says:

    My disabled child is over 18 and just got approved on my record for 694.00 is she eligible for ssi 48.00 for a total of 742.00? Will social security automatically do that ?

    • Kay Derochie says:

      Dear Brenda,

      If your child applied for both disabled adult child Social Security benefits and Supplemental Security Income (SSI), Social Security will process both claims. If he or she did not apply for SSI, then no claim will be processed. Your child can call Social Security at 1-800-772-1213 to clarify what claims were filed.

      Sincerely,
      Kay

  120. angela says:

    Hello. I have no where else to go for answers. I could really use your expertise. I applied for ssdi and ssi via phone interview in July 2014. I was required to attend an evaluation or interview with a doctor appointed by the ss to gather more info about my condition. I have a mental health disability. Major depressive disorder, insomnia, anxiety, etc…… a decision was made first week of September and when i called to find out what the outcome was, i was told my case went to Atlanta for review so the ssa rep wouldn’t let me know if the state of Florida approved or denied my claim. Is this normal? Why would they do this? I now have an appointment for ssi to talk about my ssi case. The letter does not specify what information is needed. In this case does this mean it’s likely i was approved for ssdi? Can you get approved for ssi if you’re not approved for ssdi? Any info you guys can offer would be greatly appreciated.

    • Kay Derochie says:

      Dear Angela,

      Your Social Security Disability (SSDI) claim was apparently randomly selected for a quality review. A small percentage of claims are routinely reviewed. It is possible to be approved for Supplemental Security Income (SSI) and not SSDI if the determiner finds that you became disabled after you were last insured (after you last had enough current work credits) for SSDI. That said, it is possible that the quality review has been completed and both claims have been medically approved. When you go for the SSI interview, ask where your SSDI claim is–still in quality review or at the payment center pending calculation of benefits?

      Sincerely,
      Kay

  121. angela says:

    This was my first time applying for ssdi and the case was processed within 2 months which is pretty fast from what I’m hearing about alot of other cases. Should i be worried? I just really don’t understand alot of what’s going on.please advise.

    Thank you.

    • Kay Derochie says:

      Dear Angela,

      The speed with which a decision is reached is not an indicator of approval or denial. Please see my reply to your other post.

      Sincerely,
      Kay

  122. Marion Alexander says:

    Hi Kay my question is can I work while on SSI? I live in MISSOUR. How many hours could I work and what’s the max pay I could receive without my SSI being affected? I am permanently disabled but need money to fix my car

    • Kay Derochie says:

      Dear Marion,

      If you have no other income, you can have $85 a month gross income before there is a reduction in Supplemental Security Income benefits. Otherwise, the excluded amount is $65. For every $2 you earn over those limits, your SSI will be reduced by $1.

      Sincerely,
      Kay

  123. Helen says:

    My grandson was approved for SSI when he was 9, he just turned 21 and he got approved as an adult. His dad died in March 2011 and they are also going to give him his dad’s SS, I think it’s called Survior Benefits and they said the amount was based on him getting SSI too. He lives with me and I don’t charge him rent so they said that would impact on his SSI, what I want to know is if the other benefits will be used to bring his SSI benefit amount up to the a amount of the benefits before what they took out, because I thought that if you got SSI you couldn’t get below the federal amount or will it stay the same too or will the no rent mess with it too?

    • Kay Derochie says:

      Dear Helen,

      For your grandson to receive the maximum Supplemental Security Income (SSI) possible to supplement his Social Security survivor benefits, he must pay for his own food and shelter. When he starts to get benefits, he can start to pay either his share of rent or mortgage and utilities (excluding phone and cable) and food. His share is the total cost divided by the number of people in the household. Once he has done this for two months, his SSI will go up (or start if he has not been eligible due to his Social Security and free housing). Other alternatives are for him to pay his share of shelter expenses and purchase his food separately from you or you could charge him market rate for room rental while he buys his own food or you could charge him a flat market rate for room and board.

      Sincerely,
      Kay

  124. Tanya Cherry says:

    I just had a question. If you were awarded temporary ssi until your ssdi started, do you get ssi still if your ssdi date is after the ssi payment date? Meaning…my ssdi payments don’t start until nov. 3rd. Would i still get my ssi payment on nov. 1st along with the nov. 3rd payment or just the nov. 3rd payment? I asked because I seen someone say once your ssdi starts your ssi stops.

    • Kay Derochie says:

      Dear Tanya,

      You will receive only Social Security in November because all income received in a single month counts, regardless of the date on which it is received.

      Sincerely,
      Kay

  125. steve says:

    Hi Kay, I was on SSI for about 10-12 years never worked then applied for adult child disability. they approved and gave me $750 (actually $650 monthly with medicare deduction) a large lump back payment for many years. Having never paid taxes before I’m totally lost. Do I pay federal taxes somehow on my large back payment ? How does that work ? Thanks.

    • Kay Derochie says:

      Dear Steve,

      I recommend that you discuss your tax liability with a tax accountant. it is likely to be different in the year you get your back pay from future years.

      Sincerely,
      Kay

  126. Laura says:

    I have a question. My husband of 5 years who has been disabled for over 15 years, lost his SSI because I make too much money. We have 2 children and I make $2,880.00 a month. I was told from an attorney and calling SSI’s 1800# that the limit for my situation is $2929.00 a month. When I talk to my local SS office I get the amount of $2249.00. Do you have any idea which amount is right? Very frustrating!

    • Kay Derochie says:

      I did a quick calculation based on the figures you gave and on two children with no income and came up with your husband being eligible for about $49. I suggest that you look at the spouse-to-spouse deeming article on this website and run your own calculation and also that you appeal the closure. If you appeal within ten days and request continuation of benefits, your husband’s Supplemental Security Income (SSI) will continue while a decision is being made, though you could have to repay if the decision is adverse. You can find the article, “What are Deemed Income and Resources and How do They Affect My SSI Payment Amount and Qualifying for SSI Disablity,” under the SSI tab on the top navigation bar.

      Sincerely,
      Kay

  127. tyson says:

    I am waiting on my award letter S’s office said I should have it by the 14 how long will it be befo I recieve a check I am 27 filed for disability will my kids get a check and my mom passed away so could I get survivors benefits too ???

    • Kay Derochie says:

      Dear Tyson,

      If the award letter referred to is the final calculation of benefits, the benefit should arrive around the same time or earlier. If your family maximum is more than your own benefit, you children will be eligible for benefits. You can check on the amount of your family maximum by going to Social Security’s website http://www.ssa.gov/mysocialsecurity. Once there, create an account for yourself if you do not already have one. Then use the site to request an earnings statement. The statement will show your estimated benefit and your family maximum. If you are not married and became disabled before age twenty-two, you might qualify for disabled adult child benefits.

      Sincerely,
      Kay

  128. Jair Portugal says:

    Hi Mrs Kay, my dad applied and got approved for SSI, but my little brother was taken away his SSI, (he has autism) is this right? Please and Thank you.

    • Kay Derochie says:

      Dear Jair,

      I do not have enough information to comment reliably. Are you sure that your father was approved for Supplemental Security Income (SSI) and not Social Security Disability (SSDI)? If your father was approved for SSDI and the amount was high enough, it might cause your brother to be financially ineligible for SSI. However, if that is the case, your brother may qualify for Social Security dependent benefits on your father’s earnings record.

      Sincerely,
      Kay

  129. mrsmartin says:

    My husband was only approved for ssi hr doesn’t have enough wrk credits to b eligible for ssdi….. can my kids still get a check off him? we have four kids togethet

    • Kay Derochie says:

      Dear Mrs. Martin,

      Supplemental Security Income (SSI) does not provide dependent benefits, so your children will not receive benefits. If you are not now getting assistance for the children’s support, I suggest that you contact your local social services office to see whether you can get some financial assistance for the children.

      Sincerely,
      Kay

  130. John says:

    Hi Kay,
    No one seems to be able to answer my question so I thought I’d ask you. My SSDI is low ( < the SSI FBR of $721), so I also qualify for SSI. My claim was just approved. I will have about 17 or 18 months off backpay. SSDI backpay is paid in one lumpsum. SSI is usually paid in 3 installments if it is substantial. How will my backpay be paid since I qualify for both? Concurrent benefits are paid on the 3rd unless the 3rd falls on a weekend or holiday. Will I get two separate deposits in my bank account? One for SSDI and one for SSI or will they combine the two in a single payment? Thanks!

    • Kay Derochie says:

      Dear John,

      Your Social Security benefits (SSDI) and your Supplement Security Income (SSI) benefits will be paid in separate deposits. The Social Security is paid from the Social Security Trust Fund and the SSI is paid from the federal government’s general funds.

      Sincerely,
      Kay

  131. James says:

    I’m totally confused….I got my letter stating I’m going to get Disability…..But now there giving me SSI for now….Why is that?…..Actually I got two statements saying I’m going to get $876.00 for November around December 3, 2014 for Disability….But So far I have received $1,442.01 for 5 months back and $480.67 on the first of ever month for SSI. Now I get another dear john letter from SSI saying. The application you filed for SSI was also a claim for Social Security Benefits. We looked into this ,and Decided you cant get any Social Security benefits except the benefits you are already getting. So what are they saying….Is Disability separate from Social Security or are they telling me they changed there minds and are just giving me SSI. Or is it a recap on SSI till I receive my disibilty because I must Wait 5 months. I’m 46 years old I no I cant get Social Security benefits till I’m of age But I was awarded disability SSD….So why Am I getting SSI because I didn’t apply for SSI….I applied for Disability. They are really starting to irritate me. Can anyone explain this to me other then there day after tomorrow letters.

    • Kay Derochie says:

      Dear James,

      Whether you are aware of it or not, you applied for both Social Security Disability (SSDI) and Supplemental Security Income (SSI) disability. From what you describe, you have been receiving monthly SSI and some SSI back pay and you are about to be switched to Social Security Disability beginning with November. SSDI is paid in the month following the month in which it is due, so it’s coming in December and November will be your last SSI payment. In about two to three months, if you are eligible for any SSDI back pay, it will be paid then. The SSDI back pay will be reduced by the amount of SSI you got for the same months.

      Sincerely,
      Kay

  132. Tyson says:

    I was told it takes 60 days and i should have my award letter when i call the socail security office they said its in the writer hands but its been 60 days how much longer you think it will be ive waited two years now i gotta wait longer for my award letter. Also if my kids eligible for a check will they recieve back pay too?

    • Kay Derochie says:

      Dear Tyson,

      The guideline for a hearing decision is sixty days, but it often takes longer. How long it will take to get the letter depends on how many decisions are in line in front of yours waiting for the letter to be written. It could be a week or a month or more. If your children are eligible for dependents benefits, they will be paid for the same months that you are, including past months.

      Sincerely,
      Kay

  133. Joe Harris says:

    Kay, Im now confused again. As of Sept 26, 2014 I was approved for ssdi. I received what I take as a Preliminary Award letter. The reason I say Prelim is because it stated that I will be receiving 721 per month, my back pay is 9400.00 before they take out the Attorney’s fee of 25 percent, taking my back pay down to 7000.00, ok fine.
    Today I had an appt with SSA for SSI. They say I may qualify for this also. They had to get my paycheck history for 4/13-9/14. What I was told i that my pay will have to be computed to see how much SSI I qualify for. Now the way it was explained to me that I will be getting back pay for both SSDI (733/mo and SSI (at about 841/mo) since I have yet to be paid by SSDI (Im to get my first check in middle Nov).
    Im lost and confused. I read that you qualify for both SSDI and SSI that your back pay will be paid in installments which sucks in my case. This is all very confusing to me. Could you please clarify for me please. Thanks Joe

    • Kay Derochie says:

      Dear Joe,

      Apparently you applied for both Social Security Disability (SSDI) and Supplemental Security Income (SSI) and if the information you are providing is correct, you live in a state that supplements the maximum federal SSI of $721 with an amount to bring it to $841 a month. It is correct that your back pay from SSDI will be reduced by back pay from SSI for the same months and that SSI is paid in up to three installments six months apart with the first two at $2,163. If you applied before being disabled for five full calendar months, you may be eligible for SSI for some months before SSDI starts to accrue (SSDI has a five month unpaid waiting period) and be eligible for more money than if you were to withdraw your SSI application. If there is a state supplement involved, that would also allow you to receive more overall than just the SSDI>

      Sincerely,
      Kay

      • Joe Harris says:

        Thanks for that input. I have another situation that I need addressing.
        Today (10/17/14). I was in the welfare office for a Food Stamp issue. I asked the worker about payback for welfare. I was under the assumption that welfare only deducts welfare from the time that I applied for ssi/ssdi. She told me that that I will be paying back welfare for the whole time I have received it which comes out to thousands of dollars, far more then what my back pay is, it literally made me feel sick to my stomach. It overwhelmed me, I need my back pay….bad. Is this correct? She wasnt very friendly either. I didnt tell her that I was approved for ssdi or ssi. Can you fill me in please.

        • Kay Derochie says:

          Dear Joe,

          The interim assistance agreement you signed is for Supplemental Security Income payments. Any Social Security that you may be eligible for will not be subject to paying reimbursement. Each state and county is different, but usually the repayment goes back to the date you signed the agreement. I suggest that you ask the welfare worker to show you the regulations that indicate that you have to repay all the welfare benefits you have received. That way you will know that the information you are getting is correct. The rationale behind the repayment is that it replenishes the local welfare coffers so that they can help the next disabled person as you were helped.

          Sincerely,
          Kay

  134. lisa suttle says:

    ms. kay, can i get ssi? i recieve 332.00 2nd wed. and545.00 on the 3rd wed. of each month. this is not enought for all my minthly bills and it is harder everyday. thank you lisa marie

  135. Don says:

    Kay,

    My wife qualified for SSI when we first got married before she was 21. They said she was one credit shy for SSDI, about 6 years later she returned to work briefly for about 3 years until her disability made it so she couldn’t work again. She went back to getting some SSI benefits, and a lump some of owed SSI. Our confusion is on the fact that they had told us at the time if she wanted to get SSDI she could work and earn the credit and qualify, but when we went for her review, they said no, and that she’s now three
    credits shy for SSDI.

    • Kay Derochie says:

      Dear Don,

      Too much time passed between the time that your wife was one credit short and when she returned to work to have the two periods of work combined to meet the earnings requirements. She has to be currently insured to get Social Security Disability. Until age thirty-one, this means having one credit for every two calendar quarters between age twenty-one and her current age. After age thirty-one, she needs ten quarters of coverage in the previous twenty calendar quarters (ten years).

      Sincerely,
      Kay

      Sincerely,
      Kay

  136. natasha smith says:

    Hi I applied for said in August Well I called in August they called out 2,2014 nd did my application over the phone so I see it’s 3 or 4 months from the day you applied is that date Aug when I call or out when I had my phone interview

    • Kay Derochie says:

      Dear Natasha,

      If your application forms were not completed fully until October, then the estimated processing time of two to five months for a new claim would start in October.

      Sincerely,
      Kay

  137. Terri says:

    Hi Kay, My daughter was approved, but has not started receiving SSI yet. I was wondering if you can shed some light how SSI payments are figured if your child lives in a dorm at college? Are they considered as a separate household and independent living or not? Thank you, Terri

    • Kay Derochie says:

      Dear Terri,

      If you daughter is under eighteen, usually her benefit would be calculated based on her family’s income and her living arrangement in her parents’ home because she is temporarily away at school. I am not sure how Social Security regards her living arrangement if she is age eighteen or over and living in a dorm–whether it would be the dorm or the home she returns to during breaks, though I think it would be the latter. Let me know what you find out when she is interviewed to get benefits started.

      Sincerely,
      Kay

  138. cynthia wisbey says:

    Hello ,i was awarded my ssd and my ssi at the same time ,but i am confused like most people to how this will be distributed.My question is with my back pay.I received a letter stating that ssi owes me 17,000 and i would get in 3 installments then i received a letter from ssd stating they owe me 12,000 in back pay, my ssi monthly payments are higher than my ssd so it is offset ,but then i got a letter that they are withholding my 12,000 because i could have gotten ssi so what exactly am i getting ? will i be getting only the ssi 3 installments or will i get back pay in one lump sum for ssd at an offset amount or both. i was hoping that i would be able to get my money in one lump sum but im so confused i just want to know approx what im getting total. Thank you Cindy

    • Kay Derochie says:

      Dear Cynthia,

      In your situation where your SSI monthly amount is more than your SSD monthly amount, your back pay will all be from SSI. You will receive the $17,000 in three back-pay installments six months apart, $2,163 in the first two and the remainder due in the last. If you have a specific need for more initially, such as wanting to buy a house or a car for medical transportation or need to pay medical debts or are homeless and need more than $2,163 to get stabilized, you may be able to have more released up front.

      Sincerely,
      Kay

  139. Jay says:

    Kay,
    I’ve been getting SSI Feb 2012 ($790 a month). Few days ago I got a letter saying i got a installment payment for 10 grand….the letter then states I have 9 months to spend it until it becomes a resource…and that if I’m over $2000 I no longer will gain benefits. ALSO the letter says “Your payments will be as follows: From: November 1 2014, Through: Continuing, Amount due each month: $0.00″

    Does this mean I’m no longer getting monthly payments even though I have 9 months? If so…Do I have to completely reapply for SSI all over again once I get to the $2000 limit. This strikes me as very odd….seeing how its pack pay….

    Before this 10 grand came in…I always had around $4000 in my account (from previous installments) But i’ve had around 4000$ in my account for about 2 years….so why did the $2000 limit not apply then?

    -Jay

    • Jay says:

      If…it says “DI” at the end of my claim number…does that mean I have SSDI…rather than SSI?

      • Kay Derochie says:

        Dear Jay,

        That means that you have Supplemental Security Income (SSI). DI stands for disabled individual. If you had Social Security Disability benefits your claim number would end in HA.

        Sincerely,
        Kay

    • Kay Derochie says:

      Dear Jay,

      If you have had $4,000 in your account for two years, an error has been made and you should not have been getting SSI for at least part of that time. If you spent down below $2,009 before nine months after the first installment, then you could be over the $2,000 limit for nine months after receipt of the second installment. After that, you have not been eligible for SSI because of excess resources.

      The letter saying that you are not eligible for SSI may be due to the fact that they now know you have over $2,000 (before the $10,000 payment) or because the $10,000 is not SSI, but Social Security, and ongoing Social Security payments have been set up and they are too high for SSI. In any event, I suggest that you go to Social Security with the letters and your bank records and get an explanation of the letters and everything straightened out about your SSI eligibility. Note that you may need to repay a few months of the SSI you received.

      Sincerely,
      Kay

  140. MariaLynn says:

    If my son already receives SSi and if my husband gets approved for ssdi will my son still get his SSi?

    • Kay Derochie says:

      Dear MariaLynn,

      Your son’s SSI will stop if he is eligible for a higher amount as a dependent on your husband’s Social Security record. If it is not, depending on the amount of your husband’s Social Security, the number of children in the family and other family income, your son’s SSI could be reduced or stopped.

      Sincerely,
      Kay

  141. William says:

    Dear Kay I got questions. I want to know if I want to go to Canada how long can I stay there be for my SSI get cut want to stay there for six month to visit but my Aunt say 30day only got. And other questions why can’t I stay there longer? And I will be coming back not going to live there forever. I just want spend time with my Gf. So why can’t we stay there longer and if we do why cut off my SSI?

    • Kay Derochie says:

      Dear William,

      The law provides public assistance support only for people residing in the U.S. Supplemental Security Income (SSI) is a public assistance program. You need to report your date of departure from the U.S. before you leave. When you come back, you can get your SSI started again without a new claim application f you have been gone less twelve months. It might be a good idea to save up a month’s expenses to pay for your own housing when you first return as it will take a little time to start benefits.

      Sincerely,
      Kay

  142. Sabrina Wallace says:

    I am a representative payee for my five children and the social security survivors benefits that they have been receiving since my husband, their father, passed away. I know I do not claim the benefits on income taxes because they are the children’s benefits, but do I claim the benefits if I apply for food stamps? I know if the benefits were mine I would have to claim them as unearned income, but since I am a rep payee, how are they handled? Thanks.

    • Kay Derochie says:

      Dear Sabrina,

      I believe that you are asking whether there is a tax liability on the children’s Social Security benefits. If that is the case, check with a tax preparer about tax laws for children.

      Sincerely,
      Kay

  143. Olivia Arellano says:

    Hello,

    My son was approved for SSI on October 3 he met all the rules based on being disabled (he has autism);however, another part of the letter it says that they decided he cant get any Social Security Benefits. I do not understand.

    • Kay Derochie says:

      Dear Olivia,

      SSI is Supplemental Security Income and is different from Social Security benefits, which require having worked and paid taxes into the Social Security system or require being a disabled adult child of a person who is deceased or receiving Social Security retirement or disability benefits.

      Sincerely,
      Kay

  144. gordie mcneil says:

    ” “I have alife threatening disability and failed to report changes in household income and living arrangements”.Can i be cut off SSI & medicaid?”.

    • Kay Derochie says:

      Dear Gordie,

      If the government believes that you committed fraud, your SSI and Medicaid could be terminated. To possibly minimize the negative impact of your failure to report changes that could have affected your payment amount, report those changes immediately. If you are overpaid, you can request collection by partial withholding of your benefits.

      Sincerely,
      Kay

  145. Jill says:

    Hi.

    My boyfriend recently tore his Achilles’ tendon off the job, and is going to be off work for at least three months. His firm provide him with short term disability but it barely covers the rent and definitely no other bills. Is he eligible for this benefit at all? Or if not, is there another benefit he could apply for?

    Thanks

    • Kay Derochie says:

      Dear Jill,

      There is no reason to question your boyfriend’s eligibility for short-term disability benefits, which are not the same as workers comp and do not require a workplace injury. He might apply for food stamps and energy assistance to pay the heating bill. The latter is available only in certain areas and/or with certain power companies.

      Sincerely,
      Kay

  146. Grace Jen says:

    Hello,
    I am disabled and living with a 16 year old son in a small apartment in Calif. I have been receiving my SSDI for around 13 years around $889. a month. My health has been getting so much worst and not able to take care of myself much anymore. I’ve never gotten a divorce from sons father, all this time. He lives with a roommate in another city, making a small income supporting himself and paying small child sport threw the court order. He’s always been active in his sons life. Now we all been thinking of moving away together, living together in a house up north say, Oregon AS roommates. Still married. I will be paying for half the house bills and rent. My question is: Will this effect my almost 900. dollars a month that I receive? Will they count his money as mine. It is not. No way. Or do I need to divorce first, before moving in together, so we may both care for our son and I won’t need to go to a nursing home?

    • Kay Derochie says:

      Dear Grace,

      If you receive Social Security Disability (SSDI) and none of your income is Supplemental Security Income (SSI), you and your husband living together will have no affect on your disability benefits. You need to report your change of address and any new banking information for direct deposit, but you do not have to report who lives in your home.

      Sincerely,
      Kay

  147. Zack says:

    Hello, my dad receives disability from the state but i just turned 18 and now im getting a check myself. Does that money come out of his regular disability check? or is this my own because hes claiming its his money ect, but it was addressed to me. If it was his money and for him why not just give it to him in his name with his check instead of giving me my own individual one?

    • Kay Derochie says:

      Dear Zack,

      It sounds as if your father has been receiving Social Security Disability and a Social Security dependents benefit for you, which is payable because he is eligible for his check. Your benefit is in addition to his.

      I am surmising that although you are eighteen you are still in high school and that is why you are continuing to receive the dependent’s benefit which will end the earlier of age nineteen or high school graduation. It is paid to you because you are legally an adult. However, if you are still living at home with your father, he likely needs a good portion of your benefit to continue paying for shelter and food costs. Therefore, I suggest that you talk with your father about the amount you will pay for your food and shelter and the amount you will keep to pay for your other needs.

      Sincerely,
      Kay

  148. Tamika says:

    I was wondering could I use back owed medical bills and request an increase to the first installment of my back pay so I could pay outstanding debt. In addition, how do I go about having another payment sent to me. Does past due bills matter. Does it only apply to medical food or clothing? Confused!

    • Kay Derochie says:

      Dear Tamika,

      You may be able to get an advance on later installment payments to pay back medical bills because unpaid medical bills can at times keep people from getting further medical services from the provider. Write up a request for the amount you need released and take the request and proof of the bills’ current balances to Social Security.

      Sincerely,
      Kay

  149. Laura says:

    Hi, I have a 16 year old daughter, he has had a tumor on her motor skill part of her brain, it Caused seizures, during the surgery it took the right side of her body(arm and leg) she has no use in her arm and we had to have additional surgery for her to walk, she’s also was diagnosed with a mental disorder, I applied for Ssi in 2011 and was denied, we applied again in 2012, denied again, we applied once again and they said we needed a hearing, 2 years later still haven’t heard from them, so I call yesterday and they took another application, My question is if shes approved will she get back pay from 2011 or will it start from 2014?

    • Kay Derochie says:

      Dear Laura,

      If you applied for hearing and never got a hearing, then that appeal should still be open. If not, or the hearing was held and you never got a decision, you should still have appeal rights on the earlier claim. If not, benefits will be paid based only on the current claim. If your daughter is denied again, be sure to appeal with legal assistance. You can obtain an excellent Social Security attorney by calling Disability Advisor at 1-888-393-1010. You do not have to pay any legal fees up front and you will pay attorney fees only if you are approved for benefits. Social Security law sets the amount your attorney can charge and the Social Security Administration pays the attorney directly from your retroactive award at the time they send your back pay to you. So, it’s all very easy and risk-free.

      Sincerely,
      Kay

  150. Tish says:

    Hi Kay,

    I hope you can answer my questions! I have a muscular disability and have received SSI since my childhood. My health is unpredictable, so I am unable to work full time and I have been researching freelance options. One of the things I was thinking about was earning affiliate income through links and advertising on my blog, as well as doing freelance articles for publications. These are non-traditional ways of earning income and don’t have a set hourly wage or consistent hours. Income would also be coming from multiple income streams.

    My first question is, how do you report this income if the affiliate companies and freelance clients pay you through Pay Pal or direct deposit to your checking account?

    Also, the only information that pertained to self employment and SSI that I found stated that a recipient would need to estimate a year’s Net Earnings from Self Employment (NESE). From that projection, the SSA will retroactively adjust payments over the year.

    How can I make a projection when my income would potentially be dependent on website growth and visitors, and freelance writing opportunities–things that are difficult to predict? Sometimes it takes years for bloggers using affiliates to earn a substantial amounts. In six months someone could be making $10 or $1000/month.

    Is there a way for me to use these income earning avenues without risking SSI underpayments? I can’t afford to have my SSI cut based on an estimate.

    I would love to be working for myself and one day, hope to not rely on SSI. I just feel very stuck between a rock and a hard place.

    Thanks for your time!
    Tish

    • Kay Derochie says:

      Dear Tish,

      The first $65 ($85 if you have no other income) of your earnings is not counted for Supplemental Security Income (SSI) and only half of the amount above that is counted. Countable self-employment earnings are usually profit (your gross reduced by your expenses). Start out by reporting your attempt at work and estimate low, perhaps within the limits. Keep very careful records of your income and expenses and adjust your estimate when you see you are earning more than your estimate. You can change your estimate as many times as needed during the year. Save your earnings about the excluded limit in case you need to repay some of your SSI when retroactive adjustments are made.

      Sincerely,
      Kay

  151. Kay Derochie says:

    Dear Robyn,

    Whether or not you will be eligible for Social Security Disability depends on whether you can perform other occupations. If you think that you can, you might contact Vocational Rehabilitation for assistance in identifying what they might be. If not, do file an application.

    Sincerely,
    Kay

  152. Scott Curtis says:

    I’m selling my house that I own as Tenants in Common with a friend of mine and buying a new house with my grandpa and friend. The 3 of us will own the new house in Joint Tenancy. I and my son both collect SSI and will be contributing our share of the household expenses and food.
    Will our SSI be effected by assets that my grandpa owns?
    Thank you,
    S

    • Kay Derochie says:

      Dear Scott,

      If you pay for the new home in the same month as you receive the funds from the house you are selling, the changes in ownership will not affect your Supplemental Security Income (SSI). If you hold the proceeds from the sale over to the following month, you will not be eligible if your assets are above $2,000. If your grandfather is going to be living with you, his grandfather’s ownership interest in the house should not have an impact on your SSI as long as you pay your share of the mortgage, utilities (excluding cable and phone) and food. If your grandfather is not living in the house, but those living in the house are paying all the expenses including the mortgage, then you should see no change in your SSI. Report the changes and be prepared to provide a copy of the closing documents on the sale and purchase of the houses and to repay any transitional months your may not be eligible due to excess resources.

      Sincerely,
      Kay

  153. Justin Holcomb says:

    Hi I have a friend that is about to get divorced and she was going to come stay with me for a week or 2 until her check comes in but she is afraid that since I live in al and her in ms that she will lose her ssd if her soon to be ex calls and says she moved out of state when she is in all actuality staying with me until she can get her check to get an apartment in ms can her soon to be ex stop her disability and can she come stay with me for a little vacation

    • Kay Derochie says:

      Dear Justin,

      If your friend is getting SSD (Social Security Disability) moving from state to state will not affect her benefits. If she is getting Supplemental Security Income (SSI), she has to report her new address. If she leaves Mississippi and returns to it in the same month, her stay with you will not affect her payments. If she leaves in one month, stays with you, and returns during the following month, then Social Security has to review her time with you to see if she gets in-kind (non-cash) support and maintenance in the form of free housing or food. If she does, her check will be lowered two months later. Benefits will not stop.

      Sincerely,
      Kay

  154. Robin says:

    My 4 year old son with Down Syndrome receives SSI, it recently has been decreased due to my raise at work. His Dad has been unemployed, just recently got a job starting this week. And has moved out, we are not married. What I need to know is how is his new employment and NOT living with us anymore going to affect my son’s SSI. Might I add, there is no child support at this time. We have been a family of 3 for many years and now it is just me and my son living in the house. Not to mention my son receives Medicaid because of receiving SSI, I am scared that if the SSI stops, his Medicaid will stop. We have been on the Innovations Waiver list for 3 years already. Any help is appreciated!

    • Kay Derochie says:

      Dear Robin,

      You need to report the date that your son’s father moved out of the house and provide proof, such as a rent receipt from his new address. If it was before he received a paycheck from his new job, then the new job will not affect your son’s benefits. If he was paid before moving out, his income will be countable income through the month in which he moved out. If, after moving out, he pays any of the shelter for the house you and your son are in or pays formal or informal child support, you must report that and it will affect the payment amount.

      Sincerely,
      Kay

  155. ralph says:

    Hi, I am separated from my daughters mother. I have always had my disabled daughter on my health insurance from work. She is now 19 and disabled and will never work. Her mom told me she is on a medicaid waiver therefore she must still be on my health insurance. I switched jobs and can no longer afford the health insurance. Her mother is also collection SSD. Her mother told me that if she applies for a suplemental insurance for my daughter she will lose her medicaid waiver? She is taking me to court forcing me to pay insurance that I can’t afford and I also pay child support each week and extra money on top of that which she claims are doctors not covered by my insurance. What can or should I do?
    thank you
    Ralph

    • Kay Derochie says:

      Dear Ralph,

      I can offer some suggestions for gathering information, but I cannot give you advice on what to do in general. It may be helpful to consult with a family law attorney for overall guidance. To gather information, you can check with your local Social Security office to find out whether your daughter will be eligible for Medicaid in your state if she qualifies for Supplemental Security Income (SSI). They cannot give you specific information about your daughter’s eligibility, but they can provide general information.

      Try to find out from her mother how much Social Security dependent benefits your daughter was eligible for while she was a minor; that is the amount she could be eligible for as a disabled adult child on her mother’s Social Security (SSD) earnings record. Note that if she applies for SSI, she will be required to apply for Social Security disabled adult child benefits, and if the disabled adult child benefits and child support are more than the federal SSI allowable income (or more than allowed in your state for a state SSI supplement), she will not be eligible and will not get Medicaid by virtue of SSI eligibility. One last thought, now that your daughter is an adult with little income, she may qualify for free medical insurance through the Affordable Care Act (Obamacare). Visit http://www.healthcare.gov for more information. Open enrollment for next year continues through about December 5.

      Sincerely,
      Kay

  156. Tameka says:

    I applied for recent SSI benefits because my daughter was born premature weighing 4lb 1oz (32weeks) and bleeding on her brain. I just received a letter stating that they did not get any info from the hospital and her doc. I have only 10 days to give the information needed or they will determine their decision without it. I have called the number provided on the letter however I do not know where to have the doc send her patient records ( I guess thats what they need) and I have not received a call back. What are your suggestions? Help please

    • Kay Derochie says:

      Dear Tameka,

      Have the records sent to the person so sent you the letter and to the address on the letterhead. If at all possible, get the records yourself and send them so you know they will be sent. Explain the deadline and ask if you can pick up the copies from the doctor. If the doctor will not release the records to you or you can’t afford to pay for them, ask the records person to tell you when they were sent so you can keep the examiner informed of the progress you are making towards submitting them. If the claim is denied because you can’t get the records in on time, get the records and appeal within sixty days of the denial.

      Sincerely,
      Kay

  157. Henry says:

    I was on ssi and working part time. This work qualified me for ssdi which I have now been switched to at a higher pay rate.

    My question is. Will SS give me a retroactive payment from the time I actually earned the work credits?

    The qualifying credits were earned in 2013; to my thinking it could be possible that I receive the difference between my lower SSI payment and my now higher SSDI payment for the year or so since these credits were in place.

    Is that possible?

    Thank you.

    • Kay Derochie says:

      Dear Henry,

      I would expect your Social Security benefits to begin to accrue the later of the calendar quarter after you obtained enough credits and twelve months prior to your application for Social Security Disability.

      Sincerely,
      Kay

  158. Tisha says:

    Hi i just had my appointment to draw social security from my dad how long will it take

  159. Tisha says:

    Hi i just had my appointment about drewing social security from my dad how long will it take

  160. laketra says:

    Hey I have a question I got a letter in the mail saying I was approved but when I went to the social security office the lady said she didn’t see were a letter was saying we’re I was approved attitude.lm confuse

    • Kay Derochie says:

      Dear Laketra,

      I recommend that you show the letter to someone you trust who is good at business matters and ask for the person to interpret the letter to you.

      Sincerely,
      Kay

  161. Mico says:

    Hi I was approved for disability medically after 2 years then after perc interview they denied me financially I received a very confusing letter then went to my local ssa office and they told me I was denied because my rent is more than the amount of ssi monthly payment and my wife doesn’t work so we have no income we been only receiving help from relatives and that counts only as resources
    And since we were meeting our monthly expenses (even though I told them I owe money to a lot a people, owe thousands of dollars in credit card debt and had to sell anything of value to make ends meet) they said we are not showing need and this is a need basis program. The lady at the ssa office said if we could find a place with a lower rent or my wife could get any kind of employment they could reevaluate my case and then I would have a chance in getting my ssi payments and she also stated that we had up to a year to do that. My question is Am I allowed to get a job instead of my wife and still be considered disabled? Is true about the one year period to show any change in our situation without having to apply for ssi again? Any kind of answer would be greatly appreciated God bless

    • Kay Derochie says:

      Dear Mico,

      First, if you can prove that you have been covering expenses by selling things and with credit card debt and true personal loans, those loans will not count as income and you may have grounds to appeal and receive back benefits. This of course will not solve the long term problem of your housing costing more than you can get from SSI. You can work as long as you do not exceed $1,070 gross per month. If you earned $1,000, the countable portion of your earnings would be $457 and your federal SSI benefit would be $264. Less of your wife’s earnings would be counted because some of her earnings would be allocated for her own support. It is correct that once you are approved, if you become financially ineligible and then eligible again within a twelve months, you do not need to file a new claim and get a new disability decision. Check with the representative to find out when the twelve months starts. Is it the date of the denial letter?

      One other consideration: if you were medically approved for Social Security Disability (SSDI), you will receive SSDI benefits because there is no limit to income and assets that you can have and receive SSDI. (The only exception is that workers comp and certain government pensions can cause a reduction in SSDI.)

      Sincerely,
      Kay

  162. Larry Yates says:

    My wife and I have been battling SSI for a long time now. Maybe someone on here can give us a straight answer. My wife has Stargardt disease and was diagnosed at the age of 7. She has never worked because fine print and detailed qualifications are hard for her. It is hard for her to recognize anyone from 8 feet away. She is now 25 and every time we apply we get rejected due to my income. I currently make $48,000 but I pay all the bills, which the majority I had before we got married. I carry insurance for both of us which only keeps going up. In addition to that, I am going to have to start paying my school loan back in the beginning of the year and we have a baby due in March. Is there anything we can do to get support, especially since she was diagnosed as being blind before she even turned 10?

    • Kay Derochie says:

      Dear Larry,

      Supplemental Security Income (SSI) is a public assistance program intended to provide shelter and food for disabled and aged individuals with low family income. Currently, your income is nearly two times the maximum allowed for two adults. When your child is born, your income will still be about $17,000 more per year that the limit. You might contact consumer credit counseling or your individual creditors to see if you can lower your payments so that a smaller portion of your income is going to debt repayment.

      Sincerely,
      Kay

  163. tom says:

    Hi Kay my son has a learning disability and he just got a supplemental income SSIwe do bro we were just told these longer pay for one month and that I make too much moneyI only make 2800 3step sons
    he is my younge step son is the one that’s getting SSi $100 for one month what can I do my wife is telling mW not to clam him will this work

    • Kay Derochie says:

      Dear Tom,

      Whether or not you claim your stepson on your taxes has no effect on your stepson’s financial eligibility for Supplemental Security Income (SSI). If you live in the same household with him and your $2,800 income is gross work earnings and the other two stepchildren are under age eighteen and have no income and your wife has no income, then your disabled stepson should be eligible for ongoing benefits. Because benefits have been terminated, I am guessing that others in the household have income.

      Sincerely,
      Kay

  164. Jessica says:

    Hello,
    I got a quick question. My son started receiving benefits in 2011 because he was born 10wks early and low birth weight. I was told six months ago he is due for review. I just received a letter stating that we have to go see their drs because he doesn’t meet requirements. He is a non verbal autistic, has mild cp, auto immune disorder, auto regulation disorder, ftt, asthma, sleep apnea, sensory processing disorder, global developmental delay but has recently started talking from a stem cell infusion I took him to a year ago. I’m worried because I’m a single mom and raise him alone. I had just started a part time job and got laid off three months later. This is what we use to get by. He’s constantly sick and in the hospital so I can only work part time. Should I be worried that they will find him ineligible when he’s already been getting then for three years?

    • Kay Derochie says:

      Dear Jessica,

      Given how you describe your son’s conditions, it seems possible that his benefits will continue. If his benefits are terminated,, and hire a Social Security attorney. You can obtain an excellent Social Security attorney by calling Disability Advisor at 1-888-393-1010. You do not have to pay any legal fees up front and you will pay attorney fees only if you are approved for benefits. Social Security law sets the amount your attorney can charge, and the Social Security Administration pays the attorney directly from your retroactive award at the time they send your back pay to you. So, it’s all very easy and risk-free.

      Sincerely,
      Kay

  165. Al quijano says:

    Hi kay

    My soon to be wife have 2 kids they both under 18 one with Ssi she work and makes 1900 buck a month a and I was just wondering if it will affect her child Ssi and for my other questions when I get marry to her I have ssd because of my early retiree will the Ssi and my ssd be reduced thanks in advance

    • Al quijano says:

      Also my mom is my payee because I have traumatic brain injury when i get marry what will happen and will my mom still be my payee in 34 from nyc

      • Kay Derochie says:

        Dear Al,

        Your mother could continue to be your payee if you wish or your wife can apply to be your payee once you are married.

        Sincerely,
        Kay

    • Kay Derochie says:

      Dear Al,

      Your Social Security Disability (SSD) will not be affected by your marriage. Your income will be considered along with your wife’s in determining whether your stepchild continues to be eligible for SSI.

      Sincerely,
      Kay

  166. ebony hill says:

    Hi mrs kay derochie i applied for ssi for my son cause he was premature weighing 2 pounds and they denied me and applied a second time and denied me again so i just applied again and its still pending due to him having developmental dekays in school and his cignitive and speech is behind i privided paper work from the ses people who evaluated him and everything what are my chances if getting approced this time? And will they do back pay from 2011 when i first applied please help thanks alot

    • Kay Derochie says:

      Dear Ebony,

      If you son is approved, benefits will be based on the current application no on the 2011 application. Also, please see my response to your previous question.

      Sincerely,
      Kay

  167. Gwen says:

    Hi I am unemployed and I received a call from the Disability Determination department that my special needs child has been approved for supplemental income assitance and someone would be contacting me soon that was over two weeks ago. I followed up with the coordinator who was surprised that I hadn’t recieved it by now. My question is what is the montly supplemental income amount I am due back pay since June 2014. And who can I call to inquire about the delay in releasing the funds. I have yet to receive an award letter.

    Thanking you in advance for your time to review my inquiry and advisement.

    • Kay Derochie says:

      Dear Gwen,

      Call your local Social Security office (or the call center at 1-800-772-1213 if you don’t have the local number), say you received medical approval for your son according to the DDS claims examiner, and request an appointment for the required financial update interview. The amount your child will be eligible for depends upon the income you and he or she have including in-kind (non-cash) income in the form of free or subsidized housing or food (except that received from the government).

      Sincerely,
      Kay

  168. Hello my daughter receives ssi can she also apply our receive ssd

    • Kay Derochie says:

      Dear Priscilla,

      I need more information to respond.

      1. How old is your daughter?
      2. Has she worked?
      3. Is she married?
      4. Did she become disabled before age 22?
      5. Are either of her parents receiving Social Security (SSD) or deceased?

      Sincerely,
      Kay

  169. stacy says:

    Hello first my son got ssi in oklahoma for austism when he was 5 in 2001 then in 2008 I got ssdi and my wife and son with two daughters got family benifits off me then 2011 we moved to florida and after loosing the girl’s benifits for turning 18 my son’s and wifes check went up then after my son turns 16 my wife looseshercheck then my sons goes up for the last time now my son turns 18 so we file for what we think is adult child benefits off my ssdi so now in july we loose his check so we call and was told we can get presumptive disability so we do that and now after a hard time we get around 2/3 of what he was getting loosing one month of anything so now 4 months down the road I call and they say he was approved wow we had no idea so I ask is it off my ssdi and not ssi tbey say yes but I need to talk to the local office ok I do that and they say he gets no back pay for the lost month and he only gets 2/3 until January of what he was getting so more of the same but in January he will get 731 and nothis 760 like before now to keep a story short I find out that he will get only ssi and they know nothing of ssdi for him off of me and I really think the local office in Florida just don’t get it and I can read so from what I know they just keep making mistakes over and over because we can wright a book of things they did wrong with just us so please email me or whatever so I can learn that I am wrong or how to fix this because it feels like they are as dum as dirt

    • Kay Derochie says:

      Dear Stacy,

      Everything you recounted sounds correct up to the point that you say first you talk about your son’s approval as an adult. You need to clarify whether he has been approved both Social Security disabled adult child benefits and SSI as an adult or only one of the benefits. The amount of Social Security would be the same as the Social Security he was eligible for as a dependent the month before he turned eighteen and it could be lower than the SSI amount.

      If your son was approved for both benefits, it is likely that the SSI will start first and then the Social Security. If the ongoing SSI is more than the Social Security for months after age eighteen in which benefits overlap, your son would not get Social Security in past months back to age eighteen because duplicate benefits (SSI and Social Security disability) will not be paid for the same period. With SSI more than Social Security, there would be no Social Security back pay due. Ongoing, your son may be eligible for SSI to supplement his Social Security; however, the financial rules for SSI eligibility and payment calculation are different for an adult than for a minor.

      Sincerely,
      Kay

  170. Randy says:

    I am a single father I am 39 I am on ssi,I was just wondering if I could draw any check on my 9 year old son I am rasing him by my self I need help!!someone please answer me thanks

    • Kay Derochie says:

      Dear Randy,

      Supplemental Security Income (SSI) does not pay dependent benefits. If you are receiving Social Security Disability (SSDI) and not SSI, then contact your Social Security office to double check that potential dependent benefits for your son have not been overlooked. You might also contact your local state or county social services offices to see if your family qualifies for SNAP (food stamps) or Temporary Assistance for Needy Families to supplement your disability benefit. You could also look into free or reduced-cost school lunches for your son.

      Sincerely,
      Kay

  171. Chris says:

    My ex husband has medicare he is under 65. Why do my kids not receive disability payments? They were at one time then I was told that my kids will no longer receive benefits because of the type of program my Ex is in…What am I missing? I assume he gets medicare because of disability…

    • Kay Derochie says:

      Dear Chris,

      I do not have enough information to provide an answer. I suggest that you contact Social Security to get an explanation of specifically what type of program he is in. If you can give me that information, I might be able to offer some insight.

      Sincerely,
      Kay

      • Chris says:

        They would not tell me the only thing they told me was that with the type of program he is in the kids are no longer entitled

        • Kay Derochie says:

          Dear Chris,

          If the “program” is within Social Security, the only thing I can think of is that he has been working long enough that his benefits are suspended because his earnings are substantial, gainful activity and the children aren’t eligible because he isn’t. One other possibility could be that he began to receive workers compensation; workers compensation offset reduces or eliminates dependent benefits before reducing the worker’s benefits. If that is the case and the children are still minors when the offset ends, benefits will start again.

          Regardless of the cause, you should have gotten a termination letter with a reason in it. If you disagree, you can appeal to see if you get a better explanation.

          Sincerely,
          Kay

  172. Krystal says:

    My question is…both of my children receive SSI…and I am considering marriage to a Canadian and moving there…Will my children still receive their benefits while living in Canada?

    • Kay Derochie says:

      Dear Krystal,

      Your children will not be eligible for Supplemental Security Income (SSI) outside the U.S.

      Sincerely,
      Kay

  173. marie says:

    Ok, I have a few questions that involve my parents.
    First off, my dad is a disabled veteran.
    He gets va benefits. My mom is his payee/aid in attendance/judiciary (? I don’t remember the proper word) & they have a joint bank account.
    She has no income other then the $200 she gets for taking care of him, nor does she have any kind of healthcare. She is not part of any or eligible for any spousal va program either.
    Last year on May 14, 2013 she had a minor stroke & heart attack. She was in the hospital & they helped her apply for ssi/ssdi, she was denied both. She was even denied Medicaid & Medicare. They said it was because my dad made slightly above the allowed income amount. At the time she was too ill to apply for an appeal.
    She was supose to have heart surgery, but without medical coverage, she can’t afford it.
    Medi-cal wanted a co-pay of $1,100 which she doesn’t have. The Obama care price she was qutoted was also too expensive.
    She also does not have enough work credits for retirement benefits, due to the fact that she had to take care of my dad for many years, she also isn’t applicable for supplemental income, due to my dad’s income.
    However, her physical health is getting worse & she cannot work , her doctor said she was disabled & should re-apply for ssdi.
    plus she still must take care of my dad & cannot be away from him.
    She is struggling to pay for her medications & doctor bills & is getting into a severe state of depression over all this.
    She is going to apply for ssdi next month, which is also her birth month, she will be 69 years old (1947).
    What I wanted to know was:
    A) Will his benefits prevent her from getting disability in any way ?
    B) if she gets disability , will it affect my dad’s Va benefits in any way ?
    D) Will her being his aid in attendance (ect..) ,
    Affect her getting disability benefits, as in would she lose the ability to be his aid/payee ?

    Any helpful information you can give me, to help my mom would be greatly appreciated.
    Thank you.

    • Kay Derochie says:

      Dear Marie,

      First, disability benefits are paid only to individuals under full retirement age, which is sixty-five for Supplemental Security Income (SSI) and sixty-six for Social Security. Your mother could qualify for SSI based on age only if her and your father’s income were below the SSI income limits, which for an eligible couple is $1,102 gross before taxes. This amount will raise to $1,120 in 2015. If your mother and father are married and your father has work credits for Social Security Retirement (SSR) and has not applied, he could do so. If he is eligible for Social Security Retirement and his benefit is high enough, your mother will be eligible for Social Security wife’s benefits on his earnings record. Note: If your father is getting VA pension benefits, his receiving Social Security will reduce or eliminate the VA benefit depending on how high the Social Security is. Ont the other hand, if he is receiving VA compensation for a service-connected disability, he can receive both Social Security Retirement and VA benefits.

      Sincerely,
      Kay

  174. keath says:

    Hi I have a question I was wondering if anyone could help me with. My wife finally had her Ssi hearing. The judge told her that because of a lack of treatment the last few months, that he would award her 18 months of back pay but she would not be on ssi. Told her to get regular treatment and refile. My question is since she is not receiving current benefits, will she get all of her back pay at once? Because if they do it in 6 month payments ,it will be 18 months before she can refile. They said she can’t refile until she has received all her back pay. Seems silly to make her wait if she is not receiving benefits.

    • Kay Derochie says:

      Dear Keath,

      Your wife will receive all her Supplemental Security Income (SSI) in a single payment because she is not eligible for ongoing benefits. She has to wait until she is paid because until she is paid her current claim is still open.

      Sincerely,
      Kay

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