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If I am approved for disability, how much will my Social Security Disability benefit be?

By   /  March 3, 2016  /  636 Comments

See how your Social Security disability benefit amount is calculated when you are approved as a disabled worker or widow, or disabled adult child.

Disability Payments for Disabled WorkersDisability Payments
for Disabled Workers

If you are a disabled worker, your Social Security Disability benefit is determined by your earnings record and your age when you become disabled. These factors form the basis for calculating your benefit. Your disability benefit will be the same amount as it would be if you were at full retirement age; that is, your benefit will not be reduced. When you apply for disability, the Social Security Administration can estimate the amount your benefit will be if you are approved. If you are an older worker, you can also consult the earnings statement of Social Security wages that the Administration sent out a few years ago.

Disability Payments for Disabled Adult Children

If you are a disabled adult child, your benefit is determined by your parent’s earnings record, the family maximum amount, and the number of other dependents or survivors receiving benefits on the same record.

Disability Payments for Disabled Widows, Widowers, and Surviving Divorced Spouses

If you are approved for disabled widows, widowers, or disabled surviving divorced spouses’ benefits, then your benefit amount is based on the family maximum amounts for survivors on your deceased spouse’s earnings record and the age you became disabled. The older you are when you become disabled, the higher the benefit. As in the case of a disabled adult child, if you are a widow or a widower, your benefit also depends on the number of people drawing benefits on the account. However, disabled surviving divorced spouses are paid outside the family maximum, and their benefit is not affected by, and does it not affect, amounts paid to other dependents on the record. When you apply for disability, the Social Security Administration can estimate the amount your benefit will be if you are approved.

For more information about what it takes for a disabled adult child or disabled widow, widower, or surviving divorced spouse to get a Social Security Disability benefit, please see our articles “Who Are the Four Groups of People Who May Meet the Requirements for Eligibility for Social Security Disability?” and “What Is Disability According to Social Security Laws?”

If I am approved for disability, how much will my Social Security Disability benefit be?
4 (80%) 1 vote

  • Dear Lynne,

    Either there was an oversight in the preparation of your letter or you have a clearly permanent medical condition such as quadriplegia. If the absence of a continuing disability review date in the approval letter is an oversight, your claim will still likely be reviewed. You might try calling SSA to see whether a date is apparent in your Master Beneficiary Record (MBR).

    Sincerely,
    Kay

  • Dear Danet,

    Your SSD claim will be sent to a central payment center, where a claims authorizer will double check that you were insured on the date of your established date of disability, apply any offsets you might have for SSI (see below), workers compensation, or public pension. They will calculate and authorize payment. This can take two months or more.

    If you were alsoapproved for Supplemental Security Income (SSI), your local Social Security office will calculate and authorize SSI payment. They will contact you for a financial update so that benefits can be calculated for past months. Usually you will be paid SSI within a month of the update interview and submission of any requested documents.

    If you were approved for both SSD and SSI, the SSD benefit calculation will not be completed until SSI has been processed to payment. SSD back benefits will be reduced by the amount of SSI benefits payable for the months in which SSD and SSI eligibility overlap. Typically SSI back pay is paid in up to three installments six months apart and the first two will not exceed $2,205. However, if after your Social Security starts you are no longer eligible for SSI, you can request the remaining SSI installments to be released.

    Sincerely,
    Kay

  • Dear Cindy.

    If you are found to have become disabled in September 2015, your benefits will begin to accrue March 2016 after the five-month unpaid waiting period.

    Sincerely,
    Kay

  • Dear Catherine,

    You do not say what kind of claim you are referring to, Social Security Disability (SSD aka SSDI) or Supplemental Security Income (SSI). To respond, I need to know the type of claim SSA (the abbreviation for Social Security Administration is SSA) was referring to and whether you are waiting to know the medical decision or are waiting for a payment award after being told your claim was approved.

    Sincerely,
    Kay

  • Dear Brent,

    Someone has to serve as representative payee for your children so you or their mother needs to complete the application. If Social Security doesn’t contact one of you parents within a couple weeks, request an appointment to complete the application.

    Sincerely,
    Kay

  • Dear Moe,

    Please see my response to your posting immediately before this one.

    Thank you,
    Kay

  • Dear Moe,

    I don’t understand the situation you are describing. So I can try to respond, please tell me which benefit are referring to as receiving before age sixty-five and which benefit(s) are you asking about at age sixty-five? Supplemental Security Income (SSI), Social Security Disability (SSD), or Social Security retirement?

    Sincerely,
    Kay

  • Dear Danet,

    It is likely the SSDI and SSI claims will be approved because at the hearing the judge said they would be. You do not say why the disabled widows benefits are beubg denied, but I assume it is because you could not prove that you became disabled within seven years of the death of your spouse or of your last entitlement on your spouse’s earnings record, if you were.

    Sincerely,
    Kay

  • Dear Nick,

    Your son cannot draw benefits on his grandfather’s earnings record unless both of his parents are either disabled and receiving Social Security Disability benefits or are deceased. He can receive Social Security Childhood Disability Benefits (CDB) on your earnings record if he is unmarried and you are receiving Social Security yourself. If you are not, then you can assist him in filing a Supplemental Security Income (SSI) disability application. Both CDB and SSI applications can be made at your closest Social Security office or by phone. To get an appointment to apply, call 1-800-112-1213

  • Dear Barbara,

    If railroad dependent benefits are the same as Social Security dependent benefits, you will not be eligible for wife’s or divorced wife’s benefits until you are sixty-two years old. If your soon-to-be ex dies, you could apply for widow’s benefits. I suggest that you contact the Railroad Board to be sure to get accurate information about their program.

    Sincerely,
    Kay

  • Dear Rachel,

    If your children have no income, your disabled child’s benefits would be $735.

    Sincerely,
    Kay

  • Dear Marsha,

    Supplemental Security Income (SSI) benefit amounts depend on other income you have. accordingly, the pension you reference will reduce SSI benefits or depending on the amount it is possibly make you ineligible for SSI. The fact that you are paying rent and buying your own groceries may mean that your living arrangements will not reduce the SSI.

    Your Social Security Disability (SSDI) will not be affected by your living arrangements or your pension unless it is a public pension based on wages that were not taxed for Social Security. The SSDI back pay will be reduced by SSI paid for months in which eligibility for the two programs overlap.

    With regard to Social Security survivor benefits, you may have received incorrect information. Specifically, ex-spouses are paid outside the family maximum and thus should not affect each other. So it is possible that you could receive survivor Social Security benefits, but only if the benefit is higher than your own SSDI. If it is not now higher because of reduction due to your being under full retirement age, when you reach full-retirement and an unreduced survivor’s benefit applies, the survivor benefit might be more than your own benefit. If so, you can switch at that time.

    Sincerely,
    Kay

  • Dear Valerie,

    Your benefit will be based on your work history and lifetime work earnings. I am unable to estimate how much that might be.

    Sincerely,
    Kay

  • You are welcome, Art.

  • Dear Mickey,

    The quickest way to find out whether your children qualify for Social Security Disability (SSDI) is to call Social Security at 1-800-772-1213 (be prepared to be on hold a long time). Ask the amount of your Family Maximum Benefit (FMB) and your Primary Insurance Amount (PIA), which is your benefit. If the FMB is more than the PIA, your children are eligible for Social Security dependent benefits. If so, tell the person you speak to that you want an appointment to file an application for the children.

    You might also apply for SNAP (formerly called food stamps) at your county or state social services office.

    Sincerely,
    Kay

    Sincerley,

  • Dear Art,

    Typically, the attorney is paid before you are. If you have gotten a notice saying money was withheld from your back to be used to pay the attorney, I suggest that you contact Social Security and request that the payment be released. If you have not gotten such a notice, then it would be good to find out whether all your back pay was paid to you. If it was, you will need to pay the attorney out of what you received. If the latter situation has occurred, the correct representation and/or fee papers may not have been filed with SSA.

    Sincerely,
    Kay

  • Dear Jasimine,

    You can get a copy of the police report and submit it to the local Social Security office for them to forward to the Disability Determination Services (DDS).

    I recommend that you talk with your tax accountant about the income you refer to. If an error has been made in filing your taxes and the money should have been reported as earned income subject to Social Security taxes, presumably amended tax returns could be filed along with payment of FICA taxes due. Then you could submit the amended tax returns to Social Security for an adjustment in your earnings record, or you could just wait and the adjustment would be made automatically in about twelve months after it was processed through the IRS system and passed to Social Security from the IRS.

    Sincerely,
    Kay

  • Dear Williams,

    Whether or not your benefit will go up with your move depends on whether or not you were already receiving the maximum and the living arrangements in your new apartment. If you would like to give me more information about your living arrangements now and how much you were receiving before the move, I will try to respond. Also you do need to report the move; when you do, the representative may be able to tell you your ongoing benefit amount.

    Sincerely,
    Kay

  • Dear 2017tbt,

    With dual entitlement to Social Security Disability (SSDI) and Supplemental Security Income (SSI), SSI is paid first; then when SSDI starts, SSI stops if the SSDI is too high for SSI payment. SSI will be paid for the five-month SSDI waiting period if the application if any of the those months occur after the SSI application has been filed.

    SSDI and SSI back pay are paid separately. SSDI back pay is reduced by SSI paid or scheduled to be paid in installments for months overlapping with SSDI eligibility. Once SSDI starts and eligibility for SSI ends, you can request that the balance of the SSI installments be paid out at that time rather than in installments.

    Sincerely,
    Kay

    • 2017tbt

      Thank you very much for your help. I’ve referenced this site for years. I’m grateful for the much needed info.

  • Lisa

    Dear Kay
    I have been told I will receive 9 hundred a month disability I have 3 children haven’t turned them in to receive benefits can they receive benefits and about how much

    • Dear Lisa,

      Given your benefit amount, I would expect your children to be eligible for some dependent benefits. You can call Social Security at 1-800-772-1213 to ask the amount of your Family Maximum Benefit (FMB). It is is more than your Primary Insurance Amount (PIA), which is your benefit before reduction for Medicare premium or taxes, the children will be eligible for benefits and you can file an application for them.

      Sincerely,
      Kay

  • Dear ABN,

    Based on the information you have provided, I am guessing that you became disabled in March 2016 and that your SSDI benefits began with the sixth full month of disability (September). If that is the case, no SSDI back pay is due because the first five full-calendar months of disability are not paid by SSDI. (Also note that SSDI is paid in the month after the month for which it is due.)

    On the other hand, SSI can be paid for those SSDI waiting months if the SSI application was filed before the payments were due. (SSI has no retroactivity prior to application and begins the month after application unless you applied on the first of the month in which case benefits begin with the month of application.)

    Sincerely,
    Kay

  • Dear ABN,

    What usually occurs when both SSI and Social Security Disability (SSDI) are approved is that SSI is paid first. Then when SSDI is paid, the SSDI back pay is reduced by the amount of SSI paid for the same period. The end result is that you receive an amount of back pay equal to the amount of SSDI back pay due, but you get it from two sources, SSI and SSDI.

    Sincerely,
    Kay

  • Dear Mary,

    Yes, your husband can apply at age sixty-six as long as you are also receiving benefits.

    Sincerely,
    Kay

  • You are welcome, Savannah.

  • Dear Savannah,

    To receive the maximum Supplemental Security Income (SSI) benefit, you must either pay your share or pay fair market value (FMV) for your rent.

    FMV for room is the amount similar rooms are renting for in your geographic area. Social Security law does not specify an amount required to be paying fair market value because the economy is different in every location. You can figure out a fair market rental rate by looking at ads for room rentals in your area and/or by choosing state and county on the federal HUD website at https://www.huduser.gov/portal/datasets/fmr/fmr_il_history/select_Geography.odn. It will not list rooms, but it will list studio or efficiency (one-room) apartments. A room in a house would probably cost about half of that amount. Documentation would be a printout of the source you used to establish FMV, a cancelled check or money order receipt for the payment and a statement from your aunt that as of a certain month you are a renter and buy your own food.

    Your share is the total shelter expenses and food expenses if you share food divided by the number of people in the household. Shelter expenses are shelter utilities (power, heat, water/sewer, and garbage) and rent or mortgage, property tax, and if required by the lender property insurance. documentation would be proof of your aunt’s shelter costs for the whole household, your cancelled check or money order receipt, and a statement from your aunt about who lives in the household, how much you contribute, and when you started to contribute.

    If you start paying either FMV or your share of shelter costs and buy your own food beginning in March, yes, the increase will occur in the May benefit.

    Sincerely,
    Kay

  • Dear Denise,

    Your SSI will continue at a lower rate, but the two together will be $20 more than what you have been getting on SSI alone.

    Sincerely,
    Kay

  • You are welcome, Mary.

  • You are welcome, Mary.

  • Dear Sweetcks,

    Your son’s dependent benefits were being paid for his support while he was a minor and dependent on you and were paid in addition to the benefit you qualify for. Now that he is an adult, the benefit is no longer payable. Because it was not part of your benefit, your benefit will not increase. One note: if your son is still in high school, you can submit documentation that he is still in school and benefits will continue until the earlier of when he leaves school and age nineteen.

    Sincerely,
    Kay

  • Dear Judi,

    Whether or not you are disabled as defined by Social Security law depends on how severely your conditions affect your ability to work, your occupational background, and transferable skills and educational level. Accordingly, I cannot determine whether you are medically eligible for benefits. If you are not now working and earning at least $1,170 and believe that you cannot do so, I suggest that you file a claim to get a formal determination.

    Sincerely,
    Kay

  • Dear April,

    If you were approved for Social Security Disability (SSDI), the payment will be based on your earnings record and I cannot estimate it. If you were approved for Supplemental Security Income (SSI), the payment amount will be calculated month by month and will be based on your husband’s and your other income.

    Sincerely,
    Kay

    Sincerely,
    Kay

  • Dear Paula,

    I believe the “disability” check you refer to is Supplemental Security Income (SSI). SSI payment amount is determined by other income an individual has; therefore, when your son’s childhood disability benefits (CDB) increased upon his father’s death, as it should, it was correct that his SSI would be decreased.

    Sincerely,
    Kay

  • Dear Mary949,

    I suggest that you help your sister inquire about benefits on her mother’s account. You will need your mother’s Social Security number so that her earnings record can be checked to see whether she worked enough for survivor benefits. If so, your sister could receive benefits on both accounts under a combined family maximum.

    If this is not successful and your sister’s gross CDB is less than $755 (slightly more in states with a SSI state supplement), she could try applying for Supplemental Security Income (SSI) for a small supplement and Medicaid, which would pay her Medicare premium and provide prescription coverage.

    Sincerely,
    Kay

  • Dear Mary949,

    All Social Security Disability (SSDI) beneficiaries are transferred to retirement benefits upon reaching full retirement age, which for your husband is age sixty-six. Typically disability is paid at the rate of full retirement and benefits continue at the same rate after reaching full retirement age. However, if your husband received reduced retirement before receiving disability benefits, the retirement benefit will be lower than the disability benefit. Or, if your husband has worked enough during disability to raise his retirement benefit, credit will be given for the work.

    Sincerely,
    Kay

  • Dear Jackson,

    If someone could give you a ride to the office, where you could ask to see a supervisor or the manager to tell them the number of times you have submitted the information and to show the certified mail, it might help. Absent the ability to do that, about all you can do is to send it in again with a cover letter saying the number of times you have sent it and with a copy of the certified delivery papers.

    Sincerely,
    Kay

  • Dear Jackson,

    The local Social Security office is your point of contact for all aspects of your claim once it has been approved. Keep photocopies of everything and if possible take your submissions to the office and request a date stamp on your photocopy showing it was received.

    Sincerely,
    Kay

  • Dear Marie,

    I suggest that first you check with your employer to find out whether you are covered under a short term disability (STD) and/or long-term disability (LTD) insurance policies. Usually STD is processed quickly and STD and LTD usually requirs only that you be disabled from your last occupation.

    To be approved for Social Security Disability (SSD aka SSDI), you have to be expected to be disabled for twelve months and disability has to be from all occupations. Although you do not know whether you will be disabled for twelve months, I suggest that you file an application for SSDI now. It takes from two to five months for a decision. If you are denied for duration of disability or lack of evidence and you are still unable to work, you can appeal, which will take a few more months by which time you will perhaps have more information about the medical problems you are having and/or you will be close to twelve months by the time a decision is made. Information about filing a claim can be found under the “Social Security Disability” tab at the top of the page. Just click on “Apply SSD” button in the drop down menu.

    Sincerely,
    Kay

  • You are welcome.

  • Dear Latunya,

    If your hand problem is significant enough, you are likely to be approved.

    Sincerely,
    Kay

  • Dear Kim,

    Most short-term and long-term disability (STD and LTD) policies provide for reimbursement if Social Security is paid for the same months that STD and LTD were paid. I suggest that you ask your insurance company to provide you with a copy of your policy and they should be able to tell you which policy provision describes the requirement to repay.

    If you daughter was under eighteen or under nineteen and still in high school for any of the months that you are eligible, she will be eligible for dependent benefits if your family maximum benefit is more than your own primary benefit.

    Your Social Security could be less than your LTD or it could be more. If you are able to work part-time, the work will not affect your benefits if you have not recovered medically and if you do not perform substantial gainful activity (SGA) after the end of a nine-month Trial Work Period (TWP). SGA is usually defined by an amount of earnings–$1,170 gross wages in 2017. You can read about these work incentives in Social Security’s Red Book, which is available online at http://www.ssa.gov or from your local office. When your LTD stops, you can apply for SSI.

    Just a note: perhaps your hearing office is more caught up than most. In most geographic areas the wait time for a hearing date is a year or more. You can check the city of your hearing to get an average wait time at https://www.ssa.gov/appeals/DataSets/01_NetStat_Report.html.

    Sincerely,
    Kay

  • Dear Postman,

    You will be switched automatically from disability to retirement when you reach full retirement age, which for you is age sixty-six and two months. At full retirement age you can earn any amount and not affect your benefits. Waiting to age seventy to retire applies to people who have continued working and are not drawing disability benefits.

    Sincerely,
    Kay

  • Dear Synonom,

    I suggest that you go to the office to double-check that you have to start your claim over. Whether or not you have to, ask for all the forms that you have to complete(SSA-3368, SSA-3369, SSA-827 and if you have file a new claim the SSA-16 and/or SSI base application, so that you do not have to get them online.

    Sincerely,
    Kay

  • Dear Kelly,

    Your son probably is still medically eligible; however, if his benefits have been terminated for twelve months or longer, you have to file a new claim for him.

    Sincerely,
    Kay

  • Dear Marla,

    The amount of work and earnings you are proposing should not affect your Social Security benefits, but you do need to report when you start work.

    There is no definite answer to the question of how much you can earn because the fundamental issue in continuation of benefits is whether you continue to be disabled. If you have one or more medical conditions that, absent any work activity, would continue to disable you, then you can work as long as you stay under $1,170 gross wages. If you were to recover medically, benefits could be terminated even though work earnings were low.

    Sincerely,
    Kay

  • Sandy Hoop

    I am receiving 1017 ssdi as a disabled adult child on my father’s record.My mother was also receiving benefits on his record until her death in 2013.Why wouldn’t I be eligible to receive what she was instead of my child’s benefit

    • Dear Sandy,

      There is a maximum a single child can receive on a parent’s earnings record. If your father is living, the maximum is 50% of his Primary Insurance Amount (PIA). If he is deceased the maximum is 75%. If you were already receiving the maximum when your mother died, your benefit would not increase. You can check to see whether you are receiving the right amount by calling Social Security at 1-800-772-121 and asking the amount of your father’s PIA .

      Sincerely,
      Kay

  • Dear Antoinette,

    I am responding to both your posts. In one you say that your husband is receiving SSD, which is Social Security Disability. In the other you refer to “supplemental Social Security,” which I take to mean Supplemental Security Income (SSI). I suggest that you clarify with your husband what kind of benefits he receives. If he receives SSI, no dependent benefits are payable. If he receives Social Security Disability (SSD) and his work history prior to disability was strong enough to provide dependent benefits, you can apply for benefits if you have a child or in some circumstances a stepchild of his under age sixteen in your care or you are age sixty-two or older.

    Sincerely,
    Kay

  • Dear Ann,

    Your husband will qualify for spousal benefits only if he has a minor child of yours under age sixteen in his care or he is sixty-two years of age or older.

    Sincerely,
    Kay

  • Dear Bob,

    I looked at my prior response and found multiple errors in it. My apology. I just corrected the errors in the example. Please take a look at it for a correct sample calculation.

    Sincerely,
    Kay

  • Dear Bob,

    I believe that you will find that you do have enough credits for Social Security retirement. Although the rule is that you must have one quarter of coverage (work credit) for each year between age twenty-one and full retirement age, years in which you receive Social Security Disability benefits will not be counted. So, for example, if you became disabled at age thirty- five and reached full retirement at age sixty-seven, the number of years in the formula would be twenty-four (35-21) and the number of credits you would need, would be six (24 / 4). Here is the link to the reference from Social Security’s regulations. https://secure.ssa.gov/apps10/poms.nsf/lnx/0300301105. See provision B.1.

    Sincerely,
    Kay

  • Barbetta Reedy

    My husband was disabled on Nov 2014 waited the 2 yrs to get medicare his part B is $122 his soc sec is $1522, I am wondering why his is that amount when mine which I am disabled been for many yrs now on medicare my part B is $107 my soc sec is $721. And I am wondering why he has to have his soc sec payment every 2nd Wednesday still when mine after the 2 yrs went to the 3rd of each month? Do we call Soc Sec to find this out? Very confusing. Thank you for your help.

    • Kay Derochie

      Dear Barbetta,

      Medicare Part B premiums are in part based on income. Your husband’s Social Security is substantially higher than yours so his premium is higher. A number of years ago, all Social Security benefits were paid on the third of the month. For the last several years, for newly approved claims, the day of a person’s birth determines the day of the month benefits will be paid.

      Born on the 1st to 10th = second Wednesday of the month
      Born on the 11th to 20th = third Wednesday of the month
      Born on the 21st to 31st = fourth Wednesday of the month
      Both SS and SSI eligibility = SS the third of the month

      Sincerely,
      Kay

      • Barbetta Reedy

        thank you

        • Kay Derochie

          You are welcome, Barbetta.

  • Katie spenny

    Hello,
    My fiancé was in a car accident last November and was placed on disability. He has been extended twice by his doctor and is supposed to get disability until February 1st. Within a month or so of him originally getting put on disability, we received a letter in that mail saying something about the limit being $20,000 (or somewhere in that ball park). We did the math and if that was that case, his payments would stop in December. Can his payments stop even though the doctor extended it until February?

    • Kay Derochie

      Dear Katie,

      It sounds as if your fiance is receiving disability payments either from an auto insurance policy or a short-term disability policy, not from Social Security. If that is the case, he can ask for a copy of the policy under which he is covered and he can review it to see that the limit is correct. Also, if he has been disabled since November 2015, he can apply for Social Security Disability (and SSI when the other insurance stops).

      Sincerely,
      Kay

      Sin

  • ANA NUNEZ

    I became disabeled and I checked my social security online it says I qualify for 1,036 monthly but I am getting paid 936 is there something I can do?

    • Kay Derochie

      Dear Ana,

      If you are looking at your earnings statement, the disability benefit amount is only an estimate; your exact benefit would have been calculated by a computer program when you were approved for benefits. If you are looking at your claim data and the figures you gave are not exact, the difference could be withholding for a Part B Medicare premium. If neither of these explanations fits your situation, I suggest you as the Social Security Administration for an explanation.

      Sincerely,
      Kay

  • Christopher

    I only receive 984.00 in ssdi a month, is there anyway I can receive more, like the average 1,100 that most people receive.

    • Kay Derochie

      Dear Christopher,

      Each person’s Social Security benefit is based on his or her earnings record, not on an average, so the only increases you will receive are cost-of-living adjustments in years the Consumer Price Index goes up.

      Sincerely,
      Kay

  • unkniwn

    I have a question firstly I called ssi to report I had a job they told me I had to come in with my check stubs but I told them that I had no transportation to get there for the office was about 20 miles away since then I have worked for 8 months and made annually over 8000 dollars grossed payments from work what will happen when i report that to ssi

    • Kay Derochie

      Dear Unkniwn,

      As soon as possible, write up a statement about when you started to work, the number of hours you work per week and your job title. Include in the statement the date or approximate date that you reported the work by phone and told SSA that you could not get to the office. Send the statement and a copy of your pay stubs to the office, keeping a copy of the letter.

      If you receive Social Security Disability (SSDI) and you have not recovered medically from your disability, you may be granted a nine-month Trial Work Period (TWP) during which full benefits are payable. After the TWP, most of which you have already used, for the next thirty-six months you will be paid only in months that you do not perform substantial gainful activity (SGA), which is usually, but not always, defined as $1,130 gross wages or net self-employment. After the thirty-six-month Extended Period of Disability (EPE), your claim will be closed if you perform SGA. You can read about these work incentives in the Red Book, which is available online at http://www.ssa.gov.

      If you receive Supplemental Security Income (SSI), you have been overpaid because, in addition to having your work evaluated for SGA, a portion of your work earnings counts as income in calculating your SSI benefit.

      Sincerely,
      Kay

    • Dear Unkniwn,

      Mail in copies of your check stubs and keep the originals for your records. If you are receiving Social Security Disablity (SSD aka SSDI) and have not had significant medical improvement, you work is unlikely to affect your benefits. You may, however, be sent a questionnaire to complete about your work. If you receive Supplemental Security Income (SSI), your work earnings will have caused an overpayment that you likely will have to repay.

      Sincerely,
      Kay

    • Dear Unkniwn,

      The impact of your work on your benefits depends on whether you are receiving Social Security Disability (SSD aka SSDI) or Supplemental Security Income (SSI) and the pattern of the work.

      If you receive SSDI, you may be granted a nine-month Trial Work Period (TWP) retroactively during which benefits are payable. Once the TWP is used up, during the next thirty-six calendar months called the Extended Period of Disability (EPE), you will be eligible for benefits only in months in which you earn less than the substantial gainful activity benchmark, which in 2017 is $1,170. In months that you perform SGA, no benefits are payable. After the EPE, your claim will be closed with the first month you perform SGA.

      If you receive SSI, the evaluation of SGA is the same, but there is no TWP or EPE. As long as your claim is not closed because you are able to perform SGA, your SSI benefit amount will be determined based on how much you earn.

      Sincerely,
      Kay

  • My son is 27 years old he’s been legally blind most of his life should he be getting more than seven hundred and some dollars per month disability he worked three years at a restaurant cleaning dishes that’s the extent of his work it’s hard for him to get hard because people doesn’t trust him with his vision I ask again should he be making more money than that through Social Security

    • Kay Derochie

      Dear Mike,

      It sounds as if your son is receiving Supplemental Security Income (SSI) benefits, which are paid to disabled and aged individuals with low income and assets. The benefit does not require work credits of citizens and some legal aliens.

      It is possible that your son worked enough to be insured for a small amount of Social Security Disability (SSD aka SSDI). If he is insured, he would receive both SSD and SSI, which would result in a net increase of $20 monthly. I suggest that he contact Social Security to find out whether he was ever insured for SSD and if so the date he was last insured. Then he can file an application claiming a disability date of the date after he last worked.

      Sincerely,
      Kay

  • Ella

    Hi Kay,

    This is a great site! My question is, SSA said I might get around 920.00 a month for ssdi. Does that disqualify me for SSA since it’s over 755.00? Also I get over 1320.00 in child support until my son is 18. He is 15 now. My hearing is in March 2017. Will my son get back pay also?

    • Kay Derochie

      Dear Ella,

      If you receive $920 in Social Security Disability (SSD aka SSDI) benefits, you will not be eligible for Supplemental Security Income (SSI) once the SSD starts. If you applied for both, SSI may be paid until the SSD starts. Your children will be eligible for benefits the same months that you are and their child support will not affect their Social Security dependent benefits.

      Sincerely,
      Kay

  • My husband gets $ 733 in ssi under disability we have been married since 2009
    I’m 34 years old and I was wondering do I have to wait until I’m 62 to receive SSI or can I receive spouse benefits

    • Kay Derochie

      Dear Brittany,

      The Supplemental Security Income (SSI) that your husband receives does not provide dependent benefits. If you work, you can earn credits for Social Security Retirement benefits at age sixty-seven or reduced benefits as early as age sixty-two.

      Sincerely,
      Kay

      • Monica Renee Robinson

        Hi my name is monica r, I been disabled since I was a child and today I received a letter stating my survivors benefit would be cut down to 556 due to another child of my fathers who is mr and someone filed on his behalf and they took 248 from my earnings of 805 each month, and that knocks me way below the bracket when I was getting disability benefits prior to even getting my fathers survivors benefits is there any way that my amount can be supplemented cause I’m a dependent of his and the child that’s mr was never a dependent and there is a young child on there but doesn’t get disability benefits but receive money off my deceased father till he’s 18 I think so is there anyway I can apply for my regular disability benefits back due to this cause it affects my bills etc and also the letter states I would need proof to show to keep it from being reduced, what proof do I need to show to appeal this so my check won’t be cut down?

        • Kay Derochie

          Dear Monica,

          If the other child is your father’s biological child or adopted child, the child is as much entitled to benefits as you are even if your father did not support the child during his lifetime. To appeal successfully, you would have to prove that the other child was not your father’s child. What you can do is apply at the Social Security Administration for Supplemental Security Income (SSI) benefits to supplement your Social Security. SSI is not paid retroactively, so I suggest that you call Social Security on Monday, which is the last day of the month, and request an appointment to apply for SSI. The call with protect October as your filing month. The number is 800-772-1213.

          One other thing, if you are informed of an overpayment because the other child was eligible for some retroactive benefits, you can request waiver of collection on the basis that the overpayment was not your fault (you didn’t know that someone else would become entitled on the record) and that you cannot afford to repay.

          Sincerely,
          Kay

  • Faith

    I have been on disability since 2004. I’m married (was when I got it), I have 2 kids aged 11 and 8, would they be entitled to benefits since I have it?

    • Kay Derochie

      Dear Faith,

      If your Family Maximum Benefit (FMB) is more than your Primary Insurance Amount (PIA), your children are eligible for benefits. You can get the amount of your PIA and FMB by calling Social Security at 1-800-772-1213. If benefits are payable request an appointment to apply for them. Retroactivity of the children’s benefits will be limited to six months before the month you initiate an application for them.

      Sincerely,
      Kay

      • Christine

        Hey I was recently in a car accident and had to have surgery on my back I’m only 24 can I get ssd for me and my son

        • Kay Derochie

          Dear Christine,

          Part of the definition of disability for Social Security and Supplemental Security Income is that you be disabled at least twelve months. If you have been or are going to be disabled for twelve months, it would be appropriate to file a Social Security Disability claim.

          Sincerely,
          Kay

  • Tammy

    I have never used a forum before. Please forgive me just don’t see my question posted. Am I doing something wrong?

    • Kay Derochie

      Dear Tammy,

      To find your question and answer, you have to look under the article you originally posted under. Here is the answer that I posted earlier.

      Dear Tammy,

      First, if your brothers owe any money on the vehicles, it is the equity value (market value less amount owed) that is countable. Considering equity value, if good condition is still puts you over the resource limit, look up the vehicles online in Kelly Blue Book or another source where you can input the condition of the cars. This might give a more realistic evaluation. If so, you can print out the evaluation and take it to Social Security together with why the vehicle is in fair or poor condition.

      Note that the resource limit is $2,000 for you and $2,000 for your disabled child. Any amount that you have in excess of $2,000 counts toward your child’s $2,000 limit. This means that if your child has not assets, you can have $4,000.

      Sincerely,
      Kay

  • cashel hubbard

    I read that in 2006 that the less ssi could pay is 600 but I was getting 400 I was wondering I’m I owed for back payment I’m now get 700 and I read the less ssi can give in 2016 is 800 and I was wondering my birthday was in March of 2006 and I wAs disabled June does that mean I’m under the child act and I went to the state hospital 3 time and a dude that I was work with say he get a 50 51 50 check to at the end of the month and just went once I’m I entitle to more money

    • Kay Derochie

      Dear Cashel,

      Supplemental Security Income (SSI) benefits are paid in amounts ranging from $1 to $733 a month. The amount depends on the amount of income the disabled person has. If he or she is a child under age eighteen living with parent(s), the parent(s)’ income is considered also.

      If someone is providing you with housing and/or food, then a benefit of $488.67 or less would be correct. If later, you started to pay for your shelter and food, the benefit could increase to as much as $733. In addition to these figures, some states pay a small SSI state supplement. Your Social Security office can tell you if one is paid in your state.

      SSI is calculated by the month, so benefits due before you turn eighteen are calculated considering parental income as described above. Benefits paid after you turn eighteen are based only on your own income unless you are married and living with your spouse. In that case, your spouse’s income is considered as well.

      Sincerely,
      Kay

  • Jones

    If i receive survivor benefits off of my mothers case but i am also considered disabled as well, can i have the survivor benefits turned off and then later apply again or just apply for disability benefits? I have a reason why i would like it turned off temporarily but not sure if i can get my benefits back or apply for disability.

    • Kay Derochie

      Dear Jones,

      I do not know the impact of voluntary termination on the ability to restart your benefits later. I suggest that you ask the Social Security Administration and ask to be shown the regulation that states you can restart the benefits without filing a new claim that would require a new medical determination.

      If you are age eighteen or older and are receiving Childhood Disability Benefits (CDB) and you work enough to draw Social Security Disability (SSD), depending on how much you earn each month you might demonstrate the ability to perform Substantial Gainful Activity (SGA). If you do, you will lose your connection to CDB benefits because you will not have been continuously dependent on support from your now-deceased parent. Also, depending on your current age, you might have to work as much as ten years to be covered for SSD on your own record and the SSD might be less than the CDB.

      You can attempt work and still get CDB benefits for a fair length of time. If you have not recovered medically, you are entitled to a nine-month Trial Work Period (TWP) during which full benefits are payable. The nine TWP months do not have to be consecutive and can be spread out over any length of time. Currently, $810 gross per month is a TWP month. Earnings less than that do not affect benefits. Immediately after the TWP, there is an Extended Period of Disability (EPE), which consists of thirty-six consecutive calendar months. During the EPE you are eligible for benefits only in months you do not perform Substantial Gainful Activity, which usually means earning wages of a certain amount ($1,130 gross monthly in 2016). If you decide to work while receiving CDB, report the work earnings.

      Sincerely,
      Kay

  • la

    Hi , how’s everyone? I need help . I am currently 35 have been on disability since I was a child. I get ssd based off my father. I have a 6 your old son. Being, I’m a dependent of my fathers earnings I can not receive dissabilty for my son who is disabled, off of my disability if I apply for ssi for him , will they take it from my father’s earnings or does will it just be from state. I’m also considered low income, and do not live with my parents. If anyone knows the answer please help, the last thing I need is to screw up mine or my fathers earnings. Tia

    • Kay Derochie

      Dear Tia,

      Your son getting SSI will not affect your father’s or your Social Security benefits.

      Sincerely,
      Kay

      • Nina

        I receive Social Security on my own records I was receiving my father survivor benefits they cut me off and said my social security is higher

        • Kay Derochie

          Dear Nina,

          The action taken would appear to be correct. Benefits are always be paid off a person’s own record before being paid of a parent’s or spouse’s record. If your earned benefit is higher than your survivor benefits, no survivor benefits are payable.

          Sincerely,
          Kay

  • Scared Sick 62

    Grateful to find your Q+A site…[Been onlying on SSI for many years. Couldn’t work as an adult per incurable disease. Then 3 yrs ago intestines ruptured. Colostomy botched up. Must lay flat per situation.]
    [New surgery remove all teeth but 2, per severe infection, rot, affected heart,etc from original systemic incurable disease!
    Will be 62 in 2 months/ Just received letter from SSA saying my SSI is done now; if I continue to collect it, I will have to pay back.
    I CANNOT WORK. (No teeth, wheelchair-bound, bedridden from Colostomy complications, incurable bacterial disease)
    (1) How can they just stop SSI? I have no other funds.
    (2) Am I eligible for regular Social Security at 62 in 2 mo?
    (3) I just moved to a different State for easier retirement
    (4) SSA demanding in-person visit
    (5) What about transferring my IHSS caregiver?
    (6) Can my new State expedite SOS? Keep SSI longer?
    (7) Do I need a special Atty to help me?

    Thank you. I really need an Advocate. (Praying4help)
    Blessings.

    • Kay Derochie

      Dear Scared Sick,

      Supplemental Security Income (SSI) is paid by the federal government. If you are eligible for a state SSI supplement in your new state and it is state administered, you may have to file a new application for it your local social services office. That would be the place to inquire about transferring your IHSS caregiver also.

      You can get your Social Security Retirement set up by applying now because you are within three months of age sixty-two. You can do this online at http://www.ssa.gov.

      Both federal and state supplement SSI require a review of your living arrangements when you move and income and assets are usually reviewed at the same time–like your annual redetermination interviews; however, the interview does not have to be in person if you are unable physically to get to the office and/or cannot sit up for the period required for the interview. I suggest that you quickly call the local office and explain your medical condition and request a telephone interview. Offer a statement from your physician to confirm you are home-bound and ask for a fax number and name to which it can be faxed. You should be able to do this without having to formally appeal; however, if you are within ten days of the termination notice, you can request continuation of benefits while the appeal is being processed. If that is the case, it could be advantageous to appeal. You can find the appeal form, SSA-562, online to download. The grounds for appeal would be that you are unable to come to the office and you are trying to comply by phone. Even if you appeal, I don’t know that an attorney would necessarily be of help given that the issue is not your disability.

      Sincerely,
      Kay

  • NADENE Pope

    16947 Shadybrook terrace
    Lot 224
    Kay. I just got married and then received my letter from ssi that I was approved for month

    • Kay Derochie

      Dear Nadene,

      Your post appears to be incomplete. If you would like to repost, I will respond.

      Sincerely,
      Kay

  • josh

    Kay. I am getting SSDI 1687 a month, I have four children do you have any idea what there dependit benefit amount would be?

    • Kay Derochie

      Dear Josh,

      I would expect your children’s benefit to be $843 total for all of them.

      Sincerely,
      Kay

  • Delbert Sampson

    I was disabled as a child, my parents had me seen by Doctor from befor I was six until they got a divorce when I was 18
    with no homelife i lived on the streets I sold blood and unloaded unloaded trucks
    I was in a boat accident
    and I wrote some checks and I was arrested within 3 months of the boat accident .3 years later The courts had Doctors say that I was incompetent to stand trial and I was incompetent when I wrote the checks, they did say how long I had been incompetent
    The courts sent my records to social security

    when did I become disabled ?

    • Kay Derochie

      Dear Delbert,

      If you never worked for more than six months at a job and each time stopped because of your health or earned less than $1,130 gross a month (or slightly lower in years before 2016), you may have been continuously disabled under Social Security and SSI law since you were a child. Otherwise, the date after you last unloaded boats would be your disability onset for your current period of disability. However, how far back benefits go will be based on the date of your application and benefits may not be paid for as long as you have been disabled.

      Sincerely,
      Kay

  • Eric Dyer

    Hello.

    I have a question. My mother is 56, my father passed away about 4 years ago. My mother started working when she was older going back to college about the time I did and has been working as a teacher for about 10 years. My dad was the primary source of income before then. My mom has been having health issues recently, diagnosed with cancer which she is getting treated and some other issues that have been popping up, some of which require her not to be standing, which she does anyways because she is a teacher. Her doctor told her she should really be on disability with all of her health issues as they have been getting worse. I don’t know if she could actually would actually go on disability but assuming she could, how would she find out what she would be eligible for. She has only worked for about 10 years with only a few jobs for short periods before that as my dad was the one who worked. He died in 2012 though. She is a teacher but all of the schools around here are charter schools and they don’t offer benefits like long term disability.

    • Kay Derochie

      Dear Eric,

      Your mother can go to http://www.ssa.gov and set up a “My Social Security” account and then request her earnings statement (not benefit statement). That will give her the amount of her own benefit. To get her disabled widow’s benefit on your father’s record, she need to take your father’s Social Security number to a local office and ask them to calculate the amount of her reduced widow’s benefit. Unreduced surviving spouse benefits are 100% of the deceased wage earner’s benefit. In contrast, there is a reduction for each month of benefits paid before full retirement age, which for your mother would be about age sixty-six and ten months.

      Sincerely,
      Kay

  • brian hicks

    My name is Brian Hicks I get SSDI for my father my father passed in 1990 my mother was getting money to record she passed away in 2011 and they said that based on when I get in 2008 but my mother passed and I’m the only one that’s on the record can I get more money because I have more disabilities that they came since then they say that based on the 2008 record but my mother passed since I was on his record so can I get more money cuz I have no disabilities and I’m the only one on the record and I get 1057

    • Kay Derochie

      Dear Brian,

      Developing more disabilities than when you were initially approved will not increase your benefit. Your benefit is paid based on your father’s earnings record. One thing that you might check with Social Security is whether your mother worked and was insured for the payment of survivor benefits. If so, check to see whether you are receiving benefits from both parents under a combined family maximum. If you are not and your mother was insured, you can apply for Childhood Disability Benefits on her account also, which might result in an increase in your benefits.

      Sincerely,
      Kay

  • Jah

    I have a situation here. I am Deaf and receive SSDI. I am married too with 2 minor kids. Now, about 5 years ago or so, I took my wife to Social Security to get her to draw benefit under my record. My wife is Deaf also. And my dependent kids gets their share of benefits from my record too (half of my income, each).

    Now after I set that up and my Wife was approved for the benefit under my record, we have been of the mindset that she is receiving benefits under my record (SSDI). Litte did we know that they instead put her on the SSI program and not SSDI under my record. And since we applied, she has had over 3 Overpayments. And for the life of us, we could not understand why they keep charging her with Overpayments. They would take it put of her check, monthly or sometimes take the whole check to pay off her O.P.

    And as of now, she is still paying on her current O.P. with a balance left of a little over $1,000 dollars. And we have tried to do the Waiver about 3 times and they deny it. We have made several trips to the Social Security Administration to argue her case.

    And instead of them telling us that the reason she is getting these O.P. charges is because she gets SSI, and my SSDI benefit makes her income “deeming” —– the term they use when they count the wage of a spouse against the SSI Beneficiary. They just kept telling us that “it’s because of your earning.” And I would go back and forth asking them what are they talking about with this “your earnings” crap.

    I kept telling them I get SSDI and not earning an income of any sort besides my benefit. And they will just close out the conversarion by saying, “Sorry sir, it is nothing we can do about it. This decision was made in Washington.” And I beg what is it we can do to prevent her from keep getting O.P like this because it’s taxing the hell out of ua when we have bils and ends to meet. And the more I keep questioning them, they call the Security Guard to escort me out the Soc. Sec officer.

    So, we just been suffering all these years until I recently (TODAY!! ….after 5 years!!!) learned that she is getting SSI and not SSDI. And that explains the O.P. Now, we are thinking about going back to the social secueity office with this new revelation that my wife was drawing SSI instead of SSDI as we had originally intended and set-up for. We do believe they took advantage of our deafness and not being able to comprehend at the Officer as they refused to supply for an Interpreter on the same day of visit or a tty or a.Video Conference with a live Operator who is an Interpreter.

    We often write back and forth and when they get frustrated with my questions, they just start talking at me and I never understand a word they say as they know better that I am Deaf. It’s frustrated for me too because they are never upfront about anything….its like they want us to guess what the rules or or to not fully know what we are getting or something.

    So, my question now is, can my wife switch over to draw her own SSDI and not under my record and if it can be expedited even while she is still paying an O.P that isn’t her fault as they did not follow our request to have her draw SSDI under my record instead of putting her on a SSI program all these years.

    Also, today at the Soc. Sec. Office, they kept talking to me and made it hard for me to understand instead of write it dowm as I can understand that better. But i tried to read the Lady lips and I think she said she was getting SSI in 2010 and 2014 but now getting SSDI under my record. Not sure though.

    So, even if she is now getting SSDI under my record we still want my wife t draw her own SSDI under her record as we feel she can get A LOT more than what she currently gets. Can you please advice us and help us what to know about married couples who both qualify for SSDI. Please help me understand and clear logic so I can write this to the Soc. Sec people at a different location and hope they help me and my wife. We are deaf and they do not help with accomodation for us to understand fully.

    • Kay Derochie

      Dear Jah,

      I am going to offer some information and suggestions. The first is that any time you go to the Social Security office that you try to take a hearing person with you who can either sign for you or write down what is being said. There may be a non-profit, free service that could provide an interpreter.

      As far as getting your wife on Social Security, Social Security Disability (SSD/SSDI) is paid to individuals who have worked and paid Social Security taxes including in a period before the disability date being claimed. When your wife became entitled to Supplemental Security Income (SSI), the office should have screened her earnings record to see if she had the work necessary to apply for SSD also. If they did the screening, which is likely, she did not have the work necessary. She can request an earnings record to see if all her earnings are listed.

      You mentioned putting your wife on your Social Security. If you were to do that, she would be receiving dependent benefits, not SSD/SSDI. You can still do that, but if the maximum benefit is being paid out to the children now, it will not raise the Social Security and will lower your wife’s SSI. If the dependent benefits drop for the family when your oldest child stops getting benefits and if you still have a child under age sixteen, your wife can apply for young wife’s benefits at that time and continue to receive them until the youngest child turns sixteen. Her being on your earnings record could protect her for future disabled widows benefits if you die before her.

      If the only income you and your children have had since your wife became entitled to SSI has been SSD and children’s benefits on your earnings record and no one has been paying for your shelter or food expenses and no one has been living with your family and paying more than their share of shelter or food, I cannot see how she could have been overpaid. Each time you got a cost-of-living adjustment her SSI would go down two months later. The Social Security and SSI computer programs should share information, but to be on the save side, report all changes in the amount of your and your children’s Social Security by the 10th of the month after the change. No overpayments should be collected without your wife having received a written notice that itemizes the overpayment by months and tells the cause. A question that might help bring clarity is to ask for a written list of income that is being used to calculate her SSI and her SSI overpayment. That way you could see whether the facts being used to calculate the overpayments were correct.

      Sincerely,
      Kay

      Sincerely,
      Kay

  • Jackie

    Hi, Kay,
    Was wanting to ask I am 52yrs old have been on ssi for 8yrs. I have also been separated from my husband for 10 years. He will be retiring at 62 in a few mths. Will there be any change in what I draw each mth. Will my ssi go up. Or will I be able to draw from him. He has worked many years and I know will get a nice retirement check even at 62. Please let me know if there will be any change in my ssi.
    Thank you so much, Jackie

    • Kay Derochie

      Dear Jackie,

      While your husband is living, you will not be eligible for dependent benefits on his earnings record until you are at least age sixty-two. If he passes away before you do, you can apply for disabled widow’s benefits at your current age. If you become entitled to benefits on his earnings record and you are receiving SSI (Supplemental Security Income), your SSI will go down. If you are actually receiving SSD, aka SSDI (Social Security Disability), you could receive an increase in overall income by drawing benefits on both accounts but you would not receive full benefits on both.

      Sincerely,
      Kay

  • rose vieira

    i i knw i might have writen on the page before but i am really confused i first became disabled in 2012 and was denied they had me file again this july after my second stay at a mental hostpail will i get the back pay from when i first filed im not sure how thisworks so can some one plz help and tell me about how much back pay i would get

    • Kay Derochie

      Dear Rose,

      Please see my response to your first post. You will be paid based only on your last application. If you are approved, SSI will begin with August unless you applied on the first of July in which case SSI benefits will begin with July. Social Security has maximum retroactivity of twelve months before application. If you are found to be disabled February 2015 or earlier, your SSD benefits would begin July 2015.

      Sincerely,
      Kay

  • Larra

    I recently received a ‘Notice of Decision – Fully Favorable’ 2 weeks ago in reference to SSI payments. It has been a very long 2 years of waiting and I am very thankful. After reading posts, I am still a tad bit confused. When first applying, I filled out the online application for SSDI. Then was later contacted for the over the phone application for SSI. If I waive my SSI payments, am I also waiving any Medicaid health benefits? Will waiving my SSI speed up my SSDI? How soon after receiving the notice for SSI will my notice of SSDI be received in the mail? Thank you for answering my questions.

    • Kay Derochie

      Dear Larra,

      If you waive Supplemental Security Income (SSI), you will be waiving Medicaid eligibility based on SSI eligibility. There are other ways in some states that a disabled adult can qualify for Medicaid. It can take a bit longer to get Social Security Disability (SSD?SSDI) started when SSI is paid first; however, it can be advantageous to get part of your back pay in SSI benefits because SSI is not taxable and depending on your total income for the year, some of the Social Security could be taxable. Also if your Social Security is below $753 a month, you could be eligible for ongoing SSI to supplement the SSDI.

      Sincerely,
      Kay

  • Amanda

    Hi, I just received a fully favorable decision two weeks ago with a onset disability date as of 2010. I just received a letter today stating I am going to receive $479 a month, not including deductions, thru my father’s survivors benefits with both Medicaid and Medicare coverage and gave me the total of what backpack I am entitled to. When I spoke with social security financial, she told me either I would receive just one income (social security disability) or if everything checked out, I’d receive two separate incomes which would be both disability and survivors benefits from what my father put in years ago. Does this paperwork showing the survivors income mean this is the only pay I will get month to month and alsosocial security disability or only the survivors benefit? I am so confused and the paperwork doesn’t explain anything with what I was told last week on the phone. I’m just wondering if they haven’t worked out the disability payments and if I’m to expect another piece of paper work showing that information because I don’t understand how a person can live off 300$ so we they also are taking money out for medical every month.
    Thanks!

    • Kay Derochie

      Dear Amanda,

      The two benefits are both disability benefits. One is Childhood Disability Benefits (CDB) paid on your father’s earnings record. The second one is Supplemental Security Income (SSI), which is a federal public assistance program for disabled and aged individuals with limited income and assets. You will receive separate notices for each benefit. The SSI will be paid first and the SSDI back pay will be reduced by SSI back benefits paid for the same period. Once the SSI starts, the Medicaid program will likely pay your Medicare premium for you.

      Sincerely,
      Kay

      • donny

        Hey I’m completely disabled no use of my legs or hands what should I qualify for an how much should I receive monthly

        • Kay Derochie

          Dear Donny,

          If you have worked a sufficient amount of time paying Social Security taxes, you will be eligible for Social Security Disability. The amount of the benefit depends on your lifetime work earnings. You can get an earnings statement with an estimate (not a benefit statement) by going to http://www.ssa.gov and setting up a My Social Security account and then requesting the statement. If your income and assets are low enough you will qualify for Supplemental Security Income (SSI). The amount of the benefit will depend on your other income and if you are married your spouse’s income. You can learn more about these benefits by reading the articles on this site.

          Sincerely,
          Kay

      • tammy

        Hello Kay, I have 54 work credits and receive 588 monthly RSDI and SSI 168.00. My question is, I have a 8 year old son he was approved to draw benefits but social security said they is no money left for him to draw. I get food benefits from the state and my worker can not understand why my son is not drawing benefits. I just want your input. Thank you

        • Kay Derochie

          Dear Tammy,

          Your limited work history resulted in your having a Family Maximum Benefit that is the same amount as the benefit being paid to you, so no dependent benefits are payable. Stated differently, you did not work and pay enough Social Security taxes to provide dependent benefits.

          Sincerely,
          Kay

  • Lisa Nielsen

    Hi Kay,

    Thank you so much for this amazing website. What a great resource!

    I only applied for SSDI and not SSI. My income was quite low so I will probably get the minimum SSDI payment. Now I am worried that I am going to miss out on substantial backpay because I only applied for SSDI and not SSI as well. Do I have anything to worry about?

    Thanks!
    Lisa

    • Lisa Nielsen

      Addition to my previous comment:

      I have since been informed that there is no minimum SSDI payment; that it is based on income. My disability advocate said she is going to look up my income history and calculate an estimated payment. My income was so low that I know I must qualify for SSI in addition to SSDI. Problem is, I didn’t apply for it and I am nearing approval.

      I am troubled that my disability advocate recently told me that you can “never” qualify for both SSDI or SSI at the same time — she said you only qualify for one or the other and that qualifying for SSDI is better. She told me to “trust” her on this. She has been doing this for decades. Regardless, immediately after the phone call I called a disability attorney and I was told that if the SSDI payment is less than $740/mo and I don’t have enough resources/assets to disqualify me, I would qualify for SSI on top of my SSDI payment.

      Kay, I think my disability advocate is either grossly informed in willfully misleading me. Do you have any idea why she would do the latter? Is it somehow in her financial interest to not have me receive SSI? If she is willfully misleading me or grossly misinformed, is it too late to switch to a qualified disability attorney?

      I am at the hearing level. The judge requested a mental health evaluation with a psychologist. The psychologist agreed with my own doctor, and the judge is now writing a decision (presumably favorable) and does not think a hearing in front of the judge is necessary.

      Thank you so much in advance, Kay.

      Lisa

      • Kay Derochie

        Dear Lisa,

        Please see my response of earlier today to your first post. The attorney is correct that both SSDI and SSI can be paid. The amount he quoted you is a rate from a couple years ago. Now if your SSDI is less than $753 and you do not have other countable income that together with the SSDI puts you at $753, you can receive a federal SSI payment. SSI is paid in amounts from $1 to $733 plus any SSI state supplement your state might offer. I assume that the advocate is misinformed, although what she said is partially true. You cannot receive full back pay on both claims; SSI is first and SSDI back pay is reduced by SSI back benefits paid for the same period.

        Sincerely,
        Kay

      • Delbert Sampson

        hey kay
        I have been disabled since childhood
        I sold blood and unloaded trucks because thats all I could do

        why does social security base my disability income on my earnings ?

        since I have been disabiled since childhood when did I even have a chance to earn a better life like non handicapped people ?

        • Kay Derochie

          Dear Delbert,

          Please see my response to your first question. Everyone’s Social Security Disability (SSD)benefits are based on their work earnings. Social Security also administers another disability program, Supplemental Security Income (SSI), for individuals who don’t qualify for SSD or whose SSD is low.

          If you did not perform Substantial Gainful Activity (SGA) while unloading trucks or did so for less than six months and stopped because of your health, when your parents receive Social Security benefits on their own earnings record or die, you can apply for Childhood Disability Benefits (CDB) on their earnings record if you are not married at that time. See below for a list of gross monthly earnings that were considered SGA in recent years.

          2016 $1,130
          2015 $1,090
          2014 $1,070

          Sincerely,
          Kay

    • Kay Derochie

      Dear Lisa,

      If your income and assets are below the SSI limits (see articles under the SSI tab at the top of this web page), you can apply for SSI now. It will not be retroactive, but could provide additional income for you if you think your SSDI will be less than $753 ongoing.

      Sincerely,
      Kay

  • Pearl Dunlap

    I’m speaking for my Son who is 42 yrs old. He is Mental. He gets $400 something for his SSI benefits. He lives with me. He has paid me from his back pay SSI Check what he has owed me. He needs to get his full benefit. I am getting older and I am on a fix income. How do I go about getting him his full benefits? He pays me rent and some on electric and water bill. Buy extra food for him sometimes during the month. He also pays part of his cell phone bill. Anyway, all this adds up more then what he receives on his SSI check. How do I go about getting my Son more money to live on? Hope you can help, thanks..

    • Kay Derochie

      Dear Pearl,

      It sounds as if your son buys his food separately from you with occasional help from you to do so. (If he is not receiving food stamps, he might consider applying.) To receive the maximum SSI benefit of $733 your son needs to pay all his food costs and either pay his share of shelter or pay fair market value for renting room with utilities. If he does so, his rent will increase two months later. If he doesn’t have enough monthly income and left over back pay to do this, he could stop paying you rent for a couple months or so to save up enough to cover the costs for two months. If he does this, he should save in a bank account to prove he had the money available.

      His share is the total amount of shelter expenses divided by the number of people in the household. Shelter expenses are rent or mortgage; property tax; and, if required by the lender, property insurance; power; heat; water/sewer; and garbage.

      FMV for room is the amount such rooms are renting for geographic area. Social Security law does not specify an amount required to be paying fair market value for room because the economy is different in every location. You can figure out a fair market rental rate by looking at ads for room rentals in your area or by choosing state and county on the federal HUD website at https://www.huduser.gov/portal/datasets/fmr/fmr_il_history/select_Geography.odn. It will not list rooms, but it will list studio or efficiency (one-room) apartments. A room in a house would probably be about half of that amount.

      Sincerely,
      Kay

  • Veronica F McNair McBride

    Hello I got a full favorable decision from my AL Judge at my hearing on June 17, 2016. The judge states that my start date would be 2013, year of my appeals application, I believe (although I originally applied in 2011 and received 2 denials), specifically May 14, 2013 for my SSDI benefit. My attorney said someone would call to see if I’m also eligible for SSI. For now re: the SSDI, when does my back pay/retroactive payments begin? Also are my husband or son eligible for any family benefits? I was only one approved for disability. Finally, normally or a range average, is ok; when should I expect to start receiving first check? SSA website locked me out and I’m unable to see my online statement. But the last one I received in 2006 said if I was deemed disabled that year that I would get $1,223 per month. How is that recalculated 10 years later? Wondering…..look forward to hearing back from you.

    • Kay Derochie

      Dear Veronica,

      I am unable to give you a benefit estimate; however, based on the 2006 estimate, I would say that your child will be eligible for Social Security dependent benefits. If the child is under age sixteen and your husband’s work earnings are not too high, he might also be eligible.

      Benefits will begin to accrue November 2013 following the unpaid five-month waiting period after the established date of disability onset. Expect a sixty-day delay after you receive the written approval letter. Follow up with your local office if they have not contacted you within two weeks of your receiving the approval letter.

      Sincerely,
      Kay

      Sincerely,
      Kay

  • Brandy

    Recently file for SSI in March. Had my phone interview in May. Received a letter saying call asap because they had a question. I was scheduled to have surgery on my shoulder for recurrent dislocations but couldn’t have it because I couldn’t afford it even with the insurance that I have. She tells me that all my doctors are onboard with giving me disability because of the many times that I’ve gone to the hospital. And she tell me that there is no doubt in her mind that i have a serious problem. But she says that she has to discuss further actions with her people! My arm comes out of the socket every time I reach up, back, fall, slip and grasp something, I can’t carry heavy things because its so weak! Even though I’m still working a couple days a week at my job because I have bills, how likely do you think I’ll be approved and at this step in the process how soon do you think I’ll get a check?

    • Kay Derochie

      Dear Brandy,

      I can’t say whether or not your claim will be approved. It will depend on your educational and work background and on whether your impaired arm is your dominant arm. The claims examiner may be saying that her (implied positive) recommendation is going to be sent to a physician for review. Usually, an examiner will not make such definite statements about possible outcome. Hopefully, the outcome will match the expectations she has set.

      Sincerely,
      Kay

  • TexasNative

    Hi, I am engaged to a wonderful man who happens to be on SSDI & SSI after a life changing motorcycle accident. His mother keeps telling us that if we legally marry he would lose his benefits. Is that true? We are both divorced and both 49. I work full time and make significantly more than minimum wage.

    Thank you,

    • Kay Derochie

      Dear TexasNative,

      I need more information to respond. How much are your gross earnings per month? Is your fiance receiving Social Security Disability (SSDI) from his own earnings record or Childhood Disability Benefits (CDB) off a parent’s earnings record.

      Sincerely,
      Kay

  • G

    Hello!

    I have applied for disability on 4/29/13. On my disability application I had wrote my “unable to work any longer” date as 1/15/12. I just got approved at my hearing on the bench on 6/14/16. He never told me what they chose as my onset date on which they ruled I was disabled. Will they go back to the 1/15/12 date that I put on my application or will they use the date I first applied for disability on 4/29/13? I am so confused on everything because I maybe met with my lawyer 4 times since I hired her, and she really did not think I was going to win. I applied for disability 3 times, went through everything and did all I could for myself, all the doctors visits and appointments they required so I don’t really know what to expect. She said my letter of approval should be in 3-4 weeks and then I’d get other paper work but I’m just trying to figure out how far back in pay I will get.

    Thank you!

    • Kay Derochie

      Dear G.,

      If the judge was going to change the disability date, he or she would have said so when you got a bend approval. Social Security Disability (SSD) benefits begin to accrue the later of the sixth full calendar month after disability onset or twelve months before application. Accordingly, your benefits will begin July 2012. If your approval was for Supplemental Security Income (SSI), benefits would begin May 2013.

      Sincerely,
      Kay

      • Kattie Hodges

        Hi I’m seeking help my child can not receive cash assistance through the county but I’m having a hard time understanding why I went to the ssi building in they say that the human service’s building shouldn’t be counting my sad towards my child but they are what do I do

        • Kay Derochie

          Dear Kattie,

          I suggest that you go back to the county and appeal their decision if they cannot show you the law that says that your income is counted in determining whether your child can get assistance. If you need health insurance for your child, the Children’s Health Insurance Program (CHIP) might be an option. More information is available at http://www.healthcare.gov.

          Sincerely,
          Kay

  • valerie perez

    when i was 18 i had applied for ssi which they denied maybe because i had no work experience i really dont know. but now i am 21 and i had worked for 4 Months( Oct-Feb) && on april of this year i applied again and i just received a call that i was approved. they said something about having an appointment as soon as i can to start my benefits. so what happens there? i thought that i should of gotten an award letter? and also how will my mothly payments be calculated? and will i get any backpayments?

    • Kay Derochie

      Dear Valerie,

      The benefit you have been approved for is Supplemental Security Income (SSI), not Social Security Disability (SSD), which requires more work than you have done. SSI does not have a work credit requirement.

      Your SSI benefits will begin to accrue the month after your application, so you will get benefits back to May 2016 if you are financially eligible each month. The amount you receive depends on other income you have including in-kind (non-cash) income such as free housing or food. Payments can range from $1 to $733 a month, plus a small additional amount if you live in a state with an SSI state supplement. You will get an award letter after the payments are calculated and authorized.

      Sincerely,
      Kay

      • valerie perez

        so can i apply so ssd? i was born disabled i was born with spina bifida. im new at all this sorry. i just dont know which one would of been the right one for me.

        • valerie perez

          also when i talk to the ss person they didnt say anything about back payments? is it possible she didnt have to tell me? i mean i didnt ask i just asked the total amount i will ne receivin each month? b/c like i said i applied back on 4/12/16 and just got informed on fri and had my phone appt today

          • valerie perez

            im sorry im back again i just checjed my ss page and it says ill be receiving 415 because they withhield 73.30 b/c of overpayments? but this is my frist time getting paid? the lady didnt say anything about it? she said ill be receiving 488? why is that? should i b alarm?

            • Kay Derochie

              Dear Valerie,

              I suggest that you go to your local office to get an explanation. If you have never received Social Security or SSI before, you could not be overpaid unless you are viewing a second payment and the first one, which was calculated incorrectly, is on the way.

              Sincerely,
              Kay

          • Kay Derochie

            Dear Valerie,

            You may have a small amount of back pay for May 2016 through the month before your first monthly benefit.

            Sincerely,
            Kay

        • Kay Derochie

          Dear Valerie,

          If you have never worked, the program for which you may be eligible is Supplemental Security Income (SSI). If you have worked some, the Social Security Administration will check your earnings record to see whether you have enough work for Social Security disability.

          Sincerely,
          Kay

  • Brian

    Dear Kay,
    I was disabled in 2004 when i was 18. I have been on SSI since then. I worked part time from 2007 to 2009. In 2009 I was 23 and accumulated 8 work credits before the age of 24.(eligible for ssdi) but i didn’t know it at the time. I applied for ssdi in July 2015 and I just had a disability exam for the DDS in June 2016. My questions are if and when i’m approved, how much do you estimate my monthly benefit to be? (having paid in the minimum) and am I eligible for retroactive back pay?
    Thank You

    • Kay Derochie

      Dear Brian,

      I am not able to estimate your benefit, but it will be fairly low–a few hundred–probably low enough to continue to receive a reduced amount of SSI as well. Social Security Disability (SSD) retroactivity is limited to twelve months prior to application. It is unlikely you will receive any SSDI back pay because Your SSI is probably more than your SSD, so you will probably not get any SSD back pay because SSD back pay is reduced by SSI paid for the same period.

      Sincerely,
      Kay

      • Brian

        Dear Kay,
        Thank you for your reply. I am very disappointed to learn I may not get any SSDI back pay. Another factor in my case is that I went back to work part-time in 2015 to now. My income is well below Substantial Gainful Activity (SGA) but my SSI benefit has been reduced by half or more. My understanding is that when I start to get SSDI and SSI retroactively it will supplement the rest. In other words bring my monthly benefit back up to the max SSI rate. And allow me to continue working (below SGA) without my benefit being reduced during the trial work period. Does this sound accurate? Please let me know what you think. Thank you again.

        • Kay Derochie

          Dear Brian,

          Your Social Security benefit will not be reduced with work earnings under substantial gainful activity (SGA); however, your SSI will be reduced by your Social Security and part of your work earnings. Specifically, unless you have disability-related work expenses, which can be used to reduce your countable earnings, your SSI will be reduced by $1 for each $2 above $65 gross per month. You can read about SSI disability-related work expenses in the Red Book, which is available at http://www.ssa.gov.

          Sincerely,
          Kay

  • Oregon mom

    Hi, my 25 year old daughters SSI was never adjusted after she turned 18. I keep asking them to but it always fell through the cracks. When her younger sister turned 18 in nov 2015, they sent a letter and wanted me to bring her in the office and do an interview. We talked about my oldest daughter so she said she would set up a phone interview. They finally did june 10, 2016. My question is…will she get back pay for the adjusted income? They asked for information from april 2014, because she said that was as fat back as they could go, even though its been 7 years since my income shouldnt have counted and 4 years since she had child support, which they somehow thought she was getting even though i took them paperwork 6 times since that changed.
    Thankyou.

    • Kay Derochie

      Dear Oregon Mom,

      Social Security dropped the ball; but because you also gave up on following up several years ago when the changes occurred, the adjustment will be limited in how far back it can go, which is usually back to the last redetermination review.

      Sincerely,
      Kay

  • Mary

    Question: I have applied for disability and was informed a decision has been made and I should receive in the mail in 7-10 days. My account on line has changed and the estimated benefits are showing again. My benefit letter indicates the following statement: The benefit amount shown is current as of the date on this letter. But no benefit is indicated. Does this mean I was denied?

    • Kay Derochie

      Dear Mary,

      Your claim may have been denied. Usually the online record will not show a benefit amount during the medical review and after a medical approval but before payments are calculated. If your claim is approved, please let me know.

      Sincerely,
      Kay

  • madeline torres

    Hello Kay,
    I just got separated from my husband,is this going to affect my ssa disability benefits because of separation and only living with my 18 year son?

    • Kay Derochie

      Dear Madeline,

      Social Security Disability benefits being paid on your own earnings record are not affected by marital status or by whom you live with.

      Sincerely,
      Kay

      • caridad tillman

        How do i ask a question?

        • Kay Derochie

          Dear Caridad,

          Post your question the same way you asked how to post a question.

          Sincerely,
          Kay

          • Tim

            Hello Kay,
            I am VA disabled. I recived a fully favorable decision for SSID. I already know what I will receive each month. My question is, how far back will SSID go back? I recived VA benefits in June of 2014.

            • Kay Derochie

              Dear Tim,

              Your Social Security Disability benefits will be to accrue the later of twelve months before the month of your application or the sixth full calendar month after your established date of disability.

              Sincerely,
              Kay

        • Twanda Hatcher

          if I am not working and my husband receive $800 a week can I still approved for disability

          • Kay Derochie

            Dear Twanda,

            Eligibility for Social Security benefits requires you to have worked and earned enough work credits including in a specified period of time before your disability began. If you have worked at all, you can file a claim to find out if you are insured.

            Unless you have minor children that your husband is supporting, his income is too high for you to qualify for Supplemental Security Income (SSI) disability benefits, which limits eligibility to people whose family income and assets are below a certain limit.

            Sincerely,
            Kay

  • Hi Kay, I applied for SSDI in October 2012 I was denied, requested a consideration was also denied, had a hearing with a administrative judge also denied. Currently awaiting a decision from the appeals council is their anyway you can find out if my decision is finally favorable I’ve been fighting for over three years without any income only food stamps can’t take it any longer.

    • Kay Derochie

      Dear Carolyn,

      You will have to wait for the decision from the Appeals Council to know the outcome of your claim.

      Sincerely,
      Kay

  • Anonymous

    Hi Kay,

    Last month I received the short form continuing disability review from the SSA. I filled it out and sent it in. A few weeks later they sent me another letter saying that they decided not to review my case at this time. What does this mean? My last FULL disability review was in 2009. Then I was placed on a 5-7 year review schedule. It has been seven years so why did they send me the short form and then change their mind? I think this is a good thing but I’m not sure. Thank you.

    • Kay Derochie

      Dear Anonymous,

      I think that the information on the short-form questionnaire may have been enough for them to decide that you continue to be disabled.

      Sincerely,
      Kay

      • Anonymous

        Thank you, Kay.

        • Kay Derochie

          You are welcome.

  • David

    I was approved for ssdi and while discussing my auxiliary benefits with them they said that it was the same amount for my child as it would be for both my spouse and child. Shouldn’t auxiliary benefits for my spouse be more rather than the same amount divided between 2 people. Thank You

    • Kay Derochie

      Dear David,

      Subject to a per person limit of 50% per dependent, the portion of your Family Maximum Benefit that is not being paid to you is split between your dependents.

      Sincerely,
      Kay

  • Brenden

    Kay I filed for ssdi and ssi back in June 2014 .Before I filed I saw on the website that my estimated monthly benefits were 816 .It is now saying unavailable. Is the website accurate are could I possibly receive less??

    • Kay Derochie

      Dear Brenden,

      Often while a claim is pending, the benefit amount will not display.

      Sincerely,
      Kay

      • Beth

        Is this standard or favorable?

        • Kay Derochie

          Dear Beth,

          Please see my prior response. This is standard procedure and timelines.

          Sincerely,
          Kay

  • Mike

    Dear Kay, What is currently the maximum amount a family can receive for FMB in 2016! Also what is the maximum amount an individual can receive for ssd payments per month? Thanks

    • Kay Derochie

      Dear Mike,

      The maximum unreduced retirement benefit taken at full retirement age or at disability is currently $2,639. You can calculate the Family Maximum Benefit by using the formula at the following link https://www.ssa.gov/oact/cola/familymax.html.

      Sincerely,
      Kay

      • Mike

        Thank you for your quick response much appreciated! But what do you mean by unreduced? Thanks

        • Kay Derochie

          Dear Mike,

          There is a 5/9s of one percent reduction in Social Security retirement benefits for every month that you receive Social Security before your full retirement age. Full retirement age depends on your year of birth as shown below.

          Year of birth Age
          1937 and prior 65
          1938 65 and 2 months
          1939 65 and 4 months
          1940 65 and 6 months
          1941 65 and 8 months
          1942 65 and 10 months
          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

          • Mike

            Wow thank you

            • Kay Derochie

              You are welcome, Mike.

  • mike johnson

    Is there a maximum lifetime dollar amount that a person can draw if he goes on disability at age 50. Like are you only entitled to collect only $X amount of dollars over the course of your lifetime. So say if u live to a certain age 70-75 its possible to draw out all that you were entitled to and therefor you stop receiving anymore benefits cause you maxed it out. My brother is on disability and I heard once you reach that max amount you stop receiving and social security benefits. So am I wrong on this? He thinks he will receive til death. I say no with uncertainty?

    • Kay Derochie

      Dear Mike,

      Social Security benefits are lifetime benefits. The amount per month is based on the individuals earnings record.

      Sincerely,
      Kay

  • Michelle Williams

    My husband is on SSD and our child gets half of what he gets, he is also on Medicare but are children offered any type of medical benefits because the father is on it?

    • Kay Derochie

      Dear Michelle,

      Your children are not eligible for medical insurance because their father has Medicare. You may be able to enroll the children in insurance through Children’s Health Insurance Program (CHIP). More information is available at http://www.healthcare.gov

      Sincerely,
      Kay

      • curt

        I have a question I currently receive 942.00 a month in ssd and im currently working part time 20 hours a week at alocal restaurant. my son was born on march 3rd 2016. is he eligible to receive benefits even though I am working very minimally ?

        • Kay Derochie

          Dear Curt,

          Your work earnings do not affect your son’s eligibility for Social Security as long as you continue to be eligible for a benefit. I suggest that you file an application for him.

          Sincerely,
          Kay

  • Racheal

    Hello Kay,

    I was approved for SSI and SSDI on Feb 29, 2016 my initial application for these were Sept 2015, I understand about the 5 month waiting period at which I will not receive any back pay from SSDI, but will I receive any back pay from SSI? I haven’t received any from SSI yet, but my SSDI first payment is April 2016. I’m confused about this.

    Thanks Racheal

    • Kay Derochie

      Dear Rachel,

      You can expect to be paid SSI for October 2015 through March 2016.

      Sincerely,
      Kay

    • Herbeyonna Curry

      Before I turned 18 my mother was getting a disability check for me is it any way I will know if she still get money for me because when she was getting my checks I never received any of the money

      • Kay Derochie

        Dear Herbeyonna,

        You stopped being eligible when you turned eighteen unless you were under age nineteen and still in high school. Your mother may have used all the benefits for housing, food, clothing, and other necessities for you.

        Sincerely,
        Kay

        • Mary Collins

          I’m on SSDI, my adult disabled son (born with spina bifida) recently approved for benefits for 27 months only. He was informed that he isn’t disabled anymore because his last back surgery scar healed. Yesterday he received a notice that rather than collecting on my work record, he will get only SSI rate and that will be cut to half because he lives with me. Can this be disputed?

          • Kay Derochie

            Dear Mary,

            The information you provided isn’t totally clear, but the following may be the case. If he has been found to have recovered from his disability, then all payments–whether Social Security disabled adult child (DAC) benefits for Supplemental Security Income (SSI) will be back pay only and no ongoing benefits. SSI benefits are paid first. If the SSI rate is higher than the DAC benefits, all the DAC benefits would be offset by SSI paid for the same months and no DAC would be payable. The reduction for receiving free shelter or shelter and food is one-third with a payment amount of $488 per month.

            Sincerely,
            Kay

  • Bill

    I receive SSDI and my wife does not work do to a mental unless of bi-polar. My question is can she even though age 43 receive any type of social security spousal income at all. And does her disorder that she takes medication for qualify her for benifits at all. And if so how would that affect my amount of 865.00 a month

    • Kay Derochie

      Dear Bill,

      At her age, your wife can only draw benefits on your account if she has one of your children under age sixteen in her care. She can apply for Supplemental Security Income (SSI) based on her disabilityi. If she is approved for SSI, two calculations will be done, one with you as a non-SSI-eligible spouse and one with you as an SSI eligible spouse. Whichever calculation pays more total to the family will be paid. (These two calculations are done because you are also disabled.) Either way, your Social Security will stay the same.

      Sincerely,
      Kay

  • Crystal

    My daughter was accepted for Ssi she is 5 years old February 2016 was her first payment of $475.34 I live with my 3 children my mother and two siblings I pay $120 for the room I live in with my kids my mother pays $516 of rent. We also get snap benefits.Now in March 2016 my mothers rent was lowers to $416 I believe and my daughters Ssi payment was lowered to $455.34 is this correct ? Or is there supposed to be some kind of increase ? –

    • Kay Derochie

      Dear Crystal,

      The situation is a little complicated. First benefits are calculated on a month-by-month basis and the current month’s benefits is based on family income including in-kind (non-cash) support and maintenance in the form of shelter or food. This means that the February payment was based on the December living arrangements (number in household and expenses in December) and March’s is based on January living arrangements.

      Another factor is whose money is paying the $120 rent. If it is your income, then you would need to be paying four sevenths of the total shelter costs–about $295 (for $516 rent) and four sevenths of the power, water, garbage, and heat for all four of your family for your disabled child not to be receiving income from her grandmother. (Your child’s own share is about $4, plus her share of utilities.) However even if it was your money paying the bills, your child’s SSI should have been reduced only by about $7 for the rent($44 share – $17 paid by you for her share – $20 general exclusion). If she had no other income, her payment should be about $726 less her share of utilities.

      If the number of people in the household did not change, the decrease in shelter expenses should result in an increase in your child’s SSI, not a decrease. With seven in the household, your child’s share of rent is $59 ($50-$17 = $42 in-kind support plus her share of utilities).

      You can rebut the calculations by taking proof of expenses and your source of income and a statement from your mother regarding your $120 contribution to costs.

      Lastly, now that your child has received SSI, she can pay her full share and two months later she can receive an unreduced SSI benefit.

      Sincerely,
      Kay

  • Mohammed Quboose

    Hi I have spoken to you about my kids getting child benefits for ssdi which social security approved. I get 1207 and they approved 302 for each of my two kids and they paid 4228 for each for backpay. I started getting disability from 2013, the backpay which my kids got doesn’t match with my calculation. Please can you help me about the backpay which they received are right or should they have gotten more. I am glad they approved it but I want to know if the amount is correct. Thank you.

    • Kay Derochie

      Dear Mohammed,

      If you listed your children on your initial application, their back pay should go back as far as yours. One exception would be if you received workers compensation. If so, the offset for workers comp against Social Security would be made against your children’s benefits before yours. You should receive an award letter that gives you their first month of entitlement. If it not the same as yours, you can appeal the entitlement date based on their having a protective filing date from your original application.

      Sincerely,
      Kay

  • R.L.

    My disability has recently came up for review. This is the first time I’m dealing with this, so I’m unsure as to what I should expect. While my case is being reviewed, will I continue to get disability paycheck while they are deciding?
    Also, what are my chances of my disability continuing? Nothing has really changed, my psychiatrist doesn’t think I’m able to work. I heard when they review your case they either send a short form or a long form. I was sent the sort form. Is there a reason why they would send a short form instead of a long form? Thanks.

    • Kay Derochie

      Dear R.L.,

      Your benefits will continue during the review. The short form is likely sent when there is little expectation of significant improvement.

      Sincerely,
      Kay

  • Elizabeth

    I draw ssi and I haven’t worked in over 19 to 15 yes I draw less than 750 a mth will I ever be able to draw more I have bills that equal more than that I’m slowly sinking!

    • Kay Derochie

      Dear Elizabeth,

      The only increases you will see are small cost-of-living adjustments in years that the consumer price index goes up. If you have not applied for SNAP (formerly called food stamps), you might consider that or if you have room, you might consider sharing housing with someone who can pay half of the rent or mortgage and half of the utilities.

      Sincerely,
      Kay

  • Denise Clarity

    I just started to receive monthly SSDI payments of $847. At the time I was living rent-free. Now I am paying $840 a month rent. Will my benefit amount go up at all?

    • Kay Derochie

      Dear Denise,

      From the information you have provided, I think you are receiving SSDI (Social Security Disability), not SSI (Supplemental Security Income). Your SSDI will not increase due to increased expenses. If you are not receiving food stamps, you might now qualify.

      Sincerely,
      Kay

      • Karrie

        I would like to ask a question?

        • Kay Derochie

          Dear Karrie,

          If you still want to ask a question, please post it.

          Thank you,
          Kay

          • Mike generoso

            I would like to know how much I will receive from social security once I’m approved. I have enough. Credits

            • Kay Derochie

              Dear Mike,

              Try setting up a My Social Security account at http://www.ssa.gov. Then request an earnings statement (not a benefit statement). I am not sure whether one is available after the claim has been medically approved and is awaiting payment calculation. If it is available, it will give you a general idea, though it can be $100 or more off in either direction.

              Sincerely,
              Kay

          • Charlotte Lappin

            Dear Kay I had a fully favorable decision they said I filed on June9,2013 but I became disabled Dec 12 2011 they said I qualified for disability insurance and also supplemental income could you please explain to me how far back they will go and do I get back pay from them both thank you so much

            • Kay Derochie

              Dear Charlotte,

              Your Social Security will begin to accrue June 2012, twelve months before your application. SSI will begin to accrue in July 2013. SSI will be paid first. Your Social Security back pay will be reduced by the amount of SSI paid for July 2013 through the month before you receive your first Social Security payment.

              Sincerely,
              Kay

          • Jennfer

            Hello Kay, my husband receives SSDI & our children received $ off him. When our first child turned 18 she was not in high school & her payment went to our 2nd child. Now our 2nd child ( our last ) is about to turn 18. SS says he can still get his $ if he is still in high school. My question is, will his $ go back to my husband when our son is no longer in HS & is over 18 or will we lose that $ completely??

            • Kay Derochie

              Dear Jennifer,

              The money paid for the children has not been taken out of your husband’s benefits; it has been paid in addition to his benefits. According those benefits will stop when the youngest child is no longer of a dependent age (under eighteen or in high school and under nineteen). Therefore, the dependent benefits will stop the earlier of when your son graduates and age nineteen.

              Sincerely,
              Kay

  • kelly

    If you have a disability check and then get a dependent on it, do you still get your full amount and your dependent gets what they get?

    • Kay Derochie

      Dear Kelly,

      Yes, your benefit will not be reduced because dependent benefits are being paid.

      Sincerely,
      Kay

      • kathy mincy

        If someone is on disable and she has to be paying child support from the court

        • Kay Derochie

          Dear Kathy,

          It looks like part of your comment was cut off. Would you like to repost?

          Sincerely,
          Kay

  • i was told if i get accepted then my benefits amount would be $740 or more how long would it take to see if im accpted and how much would benefits be if i got more then 740

    • Kay Derochie

      Dear Lindsay,

      Disability claims average two to five months before decision. I am unable to provide any information about the amount of Social Security you might be entitled to because it is based on your earnings record.

      Sincerely,
      Kay

  • camille

    On feb. 8th me and my son attended his hearing (he’s 8) and he was approved. My question is how long does it take for the approval letter to come. At the hearing they mentioned something like up to three months. Does that mean that it will take that long to start receiving his benefits? Some have told me that they received their benefits before receiving the approval letter.

    • Kay Derochie

      Dear Camille,

      Your son will not receive benefits before the judge’s approval letter. I assume that the judge knows how long letters are taking in his office so the time frame you were given is probably correct. It will likely take a month or somewhat more to get benefits started after you receive the letter. If you have not been contacted by your local office for a financial update within two weeks of receiving the letter, contact them and request an appointment.

      Sincerely,
      Kay

  • SHATOYA

    Hello Kay,
    So I just received my approval for ssdi January 13 and my onset date according to judge is July 13 2013 but I recently went into the local office on the 19 and I was approved for ssi as well but there only giving me 2199 up front and the remainder in installments now my question is I heard if I had medical, shelter, clothing needs or certain emergency needs they would release more money but how can I show I need help with my kids clothing and shoes I have bills that I can show like utility bills but what can I use to show clothing needs, and homecare needs the 2199 has came and gone I’ve spent it towards paying other bills that were past due and its taking forever to receive my lump size ssdi payment which is way over my ssi amount .do you have any suggestions or ways I could show I need additional money released for now

    • Kay Derochie

      Dear Shatoya,

      Make a list of the essential clothing and shoes your children need and get some price estimates from stores to show the total. Do the same for any health threatening things needed for your home. Also, present receipts for the past due bills you paid with the initial $2,199.

      Sincerely,
      Kay

      • shatoya

        Thank you

        • Kay Derochie

          You are welcome, Shatoya.

          • shatoya

            Hello Kay I just had one more question unfortunately they denied me to get more of my benefits released because my attorney hasn’t been paid yet but my next question is the judge made a decision in writing regarding my ssdi January 13th how long will it take to receive my back pay for my ssdi with my onset date July 13th 2013?
            And I received a letter stating my ssi back pay is only $18k because although it’s normally $733 I received Help for rent for $250 a month for 2 of the previous years so my monthly was adjusted down to 654 but my ssdi is monthly $1251 and I was told I would wait 5 waiting months I think then back pay starts…so with this information my second question is well the ssdi back pay difference be subtracted from the $733 or the actual amount of $654 their issuing me??
            And once my ssdi is released will they go ahead and release the ssi as well or do I have to wait the original 3 installment timeframe…????

            • Kay Derochie

              Dear Shatoya,

              Your Social Security Disability (SSDI) monthly payments will start before SSDI back pay is released. The SSDI back pay will be offset (reduced) by SSI paid for the same months (or expected to be paid in installments for the same period). So, for example, if you were eligible for $30,000 Social Security back pay and $18,000 SSI back pay for the same period of time, your SSDI would be $12,000 and part of that would be paid to the attorney.

              Once your SSDI monthly pay starts, your SSI will stop and you can request release of all the SSI back pay minus attorney fees based on not being eligible for ongoing SSI.

              Sincerely,
              Kay

  • Brock

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

    • Kay Derochie

      Dear Brock,

      Please see my response of January 31 to your first post.

      Sincerely,
      Kay

      • Jessica

        Hi…i am receiving $723 a month & i applied for my daughter for ssi as well just waiting to see if she is approved or not…..if she is how much will i get?? And i plan getting a job soon so will they stop my benefits if i am hired..

        • Kay Derochie

          Dear Jessica,

          To answer your questions I need to know if your daughter is under age eighteen and a rough estimate of how much you think your gross wages will be.

          Sincerely,
          Kay

          • Jessica

            Hi my daughter is 1 years old & my sis makes $400 every 2 weeks if I’m hired..

            • Kay Derochie

              Dear Jessica,

              Your earnings will not affect your child’s Supplemental Security Income (SSI) benefits.

              Sincerely,
              Kay

        • Jessica

          Thank you…

          • Kay Derochie

            You are welcome, Jessica.

  • Mohammed Quboose

    Hi I am currently getting ssd benefits in the amount of 1207 for the last 3 years can I get ssd or ssi benefits for my two kids who are 7 and 4 and also spousal benefits or is the 1207 which I am getting is for my whole family. If not which would be better to apply for ssd or ssi. I am so confused and frustrated about how much and what I and my family should get. When I originally applied I gave them my entire family information. Please can you help me with this awful situation that I am in now.

    • Kay Derochie

      Dear Mohammed,

      I suggest that you call Social Security at 1-800-772-1213 and clarify your benefits. Ask how much of the $1,207 you are receiving is your primary insurance amount (your benefit) and how much if any is for your children. If none is for your children, go to your local office and say that you listed your children on your application and they have not received benefits. Ask that benefits be started and back pay paid. You are not eligible for SSI if your own benefits is $753 or more.

      Sincerely,
      Kay

      • Mohammed Quboose

        Thank you for replying back and I did go into my local Social Security office and they gave me an appointment day for my two kids in March. I don’t know of that means they will pay me for my two kids, if they do approve it up to how many months can I get back pay for them. When I like go into my account all I see is my name and amount there is no mention of my kids. Do they list what I am receiving and my kids are receiving.

        • Kay Derochie

          Dear Mohammed,

          When you apply for the children in March, put on the application that you listed the children on your claim originally and that you would like to have their benefits start when yours stated based on their protected filing date on your application. For this to result in payment all the way back, there has to be no evidence that you were contacted about completing the children’s application and failed to respond. If it is found that the children are not eligible all the way back (no protective filing or failure to follow through), their maximum retroactivity will be six months prior to January 2016, the month you asked to file the current application.

          Sincerely,
          Kay

  • I have spoken to my local ss office and was informed that I was approved for disability on Dec 30th 2015. That my disability began as of 10/31/2015 since that was the last date of my employment. I was told via phone that my payments would commenced in April 2016 due to 5 month grace period. I have not received an award letter but i was assured by the local office that i was approved.My question is whether or not I qualify for SSI until my payments start ?since I have not been working since October and I really need to get my medications . I thought the I was applying for both when I was in the office or should I go back to the local office and apply for SSI?

    • Kay Derochie

      Dear Emma,

      Do contact your local office and have them check for a pending Supplemental Security Income (SSI) claim. If none was filed, you can file in January and have benefits start for February if you qualify financially. There is also the possibility that you were screened for SSI and found ineligible because of assets or other income such as sick pay, which has not run out. If that is the case, you should have gotten a denial letter.

      Sincerely,
      Kay

  • Patricia A Kelleher

    Hello I have a question.
    My husband is 67 and has been on disability for a long time. I am 47 and just started receiving my disability due to getting hurt at work. My question is this can I also draw from my husband social security and or retirment. I only get $931.00 a month my husband gets right at $1800.00 a month. We are not living together but are still married. Any help would be appreciated

    • Kay Derochie

      Dear Patricia,

      You are not old enough to draw benefits on your husband’s account unless you have a child of his under age sixteen in your care. Even if you did, your benefit is more than half of his so you would not be eligible for benefits on his record. Should be die before you, inquire about survivors benefits if you are at that time at least fifty.

      Sincerely,
      Kay

      • Dee

        Hi, I have a question in 2007 and 2008. I was injured on the job. In 2010 I accepted a lump for workers comp, amount 42,386.23. I was approve for ssdi December 4, 2015. I receive a firm 1099. Saying workers comp offset of 10018.35. What that mean also my regular benefits suppose to be 849.00 . Ssdi said that they found me to be disable July 1, 2013. I am trying to figure out this recent letter I received saying benefits has been suspended from July 1,2013 till November 2015. It is now February 2016. I was dye back pay but now it’s saying suspended why.Help I need my ssdi.

        • Kay Derochie

          Dear Dee,

          The suspension of benefits may be due to workers compensation offset caused by the large lump sum paid out in 2010, which would have been prorated out into the future. You can receive SSDI and workers compensation equaling eighty percent of your current average earnings (as determined by Social Security). This amount is usually more than either benefit alone. Back pay and ongoing benefits will be reduced for the worker compensation offset. How current average earnings is calculated varies. You can ask how Social Security to explain how they determined your average and applied the offset.

          The information you are providing may indicate that your SSDI should start again with the December benefit, which would be paid in January. It is also possible that the letter saying benefits were suspended through November 2015 was referring only to back pay and that the suspension continues due to offset and that is why you did not get a check in January. I suggest that you take your letters to your local Social Security office and ask for an explanation of the status of your claim.

          Sincerely,
          Kay

  • nan c

    Hi, Kay, I have searched I don’t know how many sites and haven’t seen a situation like this. I began receiving survivors benefits after my husband died. We have a small child so I received two separate payments, one to me and one to me for him. I have not been able to work for several yrs but didn’t see a need to rush to apply for disability, putting myself through that ordeal, until necessary. Now it is necessary. My attorney says with my diagnosis and restrictions he is as certain as can be that I will be approved. My questions: Will my monthly payment be the same? What about my son (16 yrs old) ? I assume I won’t receive back pay for months before my survivor benefits ended? If not what about the attorney’s fee that is supposed to be paid directly out of backpay? Thanks for your time.

    • Kay Derochie

      Dear Nan,

      To respond, I need to know how old you are, when your survivor benefits ended, if they did, and when you last worked.

      Sincerely,
      Kay

      • nan c

        Kay, I am 54, and my survivor benefits just ended a month ago. I have not been able to work for several years. When I first called ssa, I was told that I could not draw disability on my late husband’s record, only my own which would have been less than my survivor benefits. I was not informed that I could apply for benefits on his record at age 50 so I put it out of mind. As the time for my benefits to end drew nearer, and I was still unable to work, I looked into it again. I learned that a widow is eligible at 50 , the disability having to have begun within 7 yrs of the worker’s death, and if caring for a minor child, that period is extended to 7 yrs after those benefits end. So I am ok as far as eligibility goes. I have an attorney but am hesitant to bring this up. I know the paralegals are handling most everything so far, so perhaps he just hasn’t realized yet that there won’t be “backpay” which is where his fee comes from. I am afraid if that’s the case, he will withdraw and maybe even sue me for the fee.

        • nan c

          Just want to explain – It was a few months into it before I realized the case was being prepared to prove disability within 7yrs of husband’s death. That would allow for one condition, but not another which was diagnosed a bit later. When I brought this up to the paralegal, she checked, got back to me, and said he had overlooked the fact that I was receiving benefits as a widow caring for a minor and that the other time period does, in fact, apply. It wasn’t until after that was settled that it just hit me ugh-oh! they can’t award backpay since I was getting ss payments. We have the signed fee agreement, but I don’t want to “stiff” him, but I can’t pay $6000!

          • Kay Derochie

            Dear Nan,

            Please see my response to your first post. In addition to the information requested, please clarify further: are you also applying for disability on your own earnings record, and what date of disability are you claiming?

            Thank you,
            Kay

        • Kay Derochie

          Dear Nan,

          If you have a question, please post it and I will try to respond. If you do, please indicate the date you turned fifty, the date you filed your claim, and where you are in the claim process (initial claim, reconsideration, or hearing appeal.)

          Sincerely,
          Kay

  • Torrie

    Hello there…. I am currently on ssdi and have been since I turned 20 years old…I had just enough work credit to qualify for ssdi and not only ssi…when I got married, I lost my ssi and now I only have ssdi… my benefit is approximately 500 a month. My question is, since becoming disabled I have had two children… would/should they qualify for family/children’s benefits?

    • Kay Derochie

      Dear Torrie,

      You can apply for Social Security dependent benefits for your children and should do so to get a determination, even though with your low SSDI benefit, it is possible that no dependent benefits are payable. However, with two children in the household, you might now qualify financially for SSI. I suggest that you also file an application for SSI for yourself.

      Sincerely,
      Kay

    • Keith

      Its amazing how so many young people are on disability. I have been working for 37 years I seen so many men physically disabled and still working. Hunch back with his left not having much use and his hand no use at all. Another in a wheel chair. Seems to me if you had kids and got married you sure can work. I have permanent damage in both hands. My employer is probably going to try and buy me out on monday. At 53 working since 16 I feel like shit thinking of being on disability

      • Kay Derochie

        Dear Keith,

        If you can no longer work after having worked for many years, you will have worked and paid taxes (the equivalent of insurance premiums) to earn the Social Security benefit.

        Sincerely,
        Kay

  • Rodney

    Hello! Got my favorable decision and now waiting again for SSA to catch up. I understand that a minor child will receive half of what my benefit will be. My question, will my child also get back payment. My EOD was July 13, 2013. Thank you very much for any information.

    • Kay Derochie

      Dear Rodney,

      Your child will be paid for the same months as you. The benefits will begin to accrue the later of twelve months before the month of your application or January 2014 (your sixth full-calendar month of disability.)

      Sincerely,
      Kay

      • Rodney

        Thank you very much and thank you for giving information to all that ask.

        • Kay Derochie

          You are welcome, Rodney.

  • JOY

    Hi Kay, I have one question for you. We have a down syndrome child who is 15yrs old. Our household income as of today is around 110K. We have not applied for any benefits as my company provides insurance that covers us all medically. Will my DS child be able to receive social security benefits once he is 18y ?

    • Kay Derochie

      Dear Joy,

      When your child turns eighteen, he can apply for Supplemental Security Income (SSI). If he is unmarried and still disabled when a parent starts to receive Social Security or dies, he can apply for disabled adult child benefits on that parent’s earnings record.

      Sincerely,
      Kay

  • Concernedmom

    Hello I recently had a hearing in November 2015 and I just was informed by my attorney that a favorable decision was entered approving me for ssdi and my onset date is July 2013 instead of my original date I requested of July 2011.my question is so does Me and my two kids back pay start as of July 2013 and how much would my 2 kids 14,8 receive? And finally how much longer do I have to wait to get back pay or my first check?I also have a bank account now should I call to give them the information to speed up the process with direct deposit??

    • Kay Derochie

      Dear Concernedmom,

      Your and your children’s Social Security benefits (if your earnings were high enough to provide dependent benefits) will begin to accrue either December 2013 or January 2014 depending on the day in July 2013 that was established as your disability date. The amount you and the children will be paid is based on your earnings record from before you became disabled. It can take sixty days from the date of the hearing approval letter to get your benefits started and longer for back pay and the children’s benefits to begin. Yes, you should give Social Security your bank’s routing number and your account number.

      Sincerely,
      Kay

      • Concernedmom

        Thank you so much me Kay I was called into the office today and they told me I was approved for both ssi and ssdi but my ssdi is higher than my ssi so I don’t understand how that’s possible my ssdi is 1270 and according to websites I’ve been hearing ssi is 733 max can you please help me understand what I’m getting the lady told me I’m getting ssi till ssdi starts and then they will take the ssi out of the ssdi so I’m confused as to whether I’ll get ssi for only the five waiting months or etc .and my last question is how much will my kids get then will it be 733 for the two of them or 733 for us all together I’m so confused and the only thing the lady kept telling me was to be happy it’s money

        • Kay Derochie

          Dear Concerned Mom,

          Supplemental Security Income (SSI) will be paid for the month following the month of your application up to the month that Social Security (SSDI) benefits are paid. SSI does not pay benefits to children.

          Your back Social Security benefits will be reduced by the amount of SSI paid for any months the benefits overlap. If your Social Security earnings record is high enough that your family maximum benefit is higher than your primary insurance amount (your benefit), the difference will be split with half paid to each child. Your children’s back benefits, if any, will not be reduced by SSI paid to you.

          Sincerely,
          Kay

          • Concernedmom

            Thank you so much God bless you and your patience for all these questions and customers you sincerely cleared up my frustration and I’ve made numerous calls to social security and they couldn’t explain that which is crazy but thank you so very very much

            • Kay Derochie

              You are welcome.

  • Confused

    My son’s father whom was on disability has recently been released from prison. If he decides he would rather work than reapply for disability will my child lose his check? My son is still getting it right now because his father is in a halfway house.

    • Kay Derochie

      Dear Confused,

      Your son will be eligible for benefits only as long as his father is still considered disabled. Your son’s father’s Social Security may be continued even if he works if he has not recovered medically and has not used up all his trial work period months or earns less than $1,090 gross per month. You can read about Social Security work incentives in the Red Book, which is available at local office or online at http://www.ssa.gov.

      Sincerely,
      Kay

  • Marc

    Not sure if website is still active
    If i lose my disability and I reapply before the five years are up, will it be increased, decreased or stay the same ?

    • Kay Derochie

      Dear Marc,

      If your Social Security Disability entitlement is terminated because of work activity and your benefits are reinstated under the Expedited Reinstatement process, your benefits will increase if your work earnings any year during the period of ineligibility are higher than the lowest earnings used in the calculation of your prior benefit.

      Sincerely,
      Kay

  • Anonymous

    Hi Kay,

    If someone is of Full Retirement age and began receiving retirement benefits at Full Retirement Age, would their benefit be reduced if they were to work? Would the benefits of their dependents (spouse and disabled adult child) be reduced?

    I read somewhere that the worker’s benefit and those of their dependents are reduced $1 for every $3 the retired worker earns. Is this true?

    • Kay Derochie

      Dear Anonymous,

      A worker receiving benefits at full retirement age can earn any amount. The worker’s dependents can earn up to $15,720 gross a year. Their annual benefits are then reduced one dollar for each two over $15,720.

      Sincerely,
      Kay

      • Anonymous

        Thank you, Kay. So if the worker’s dependents WORK, and earn over the limit, their benefits are reduced but if the WORKER works, and his dependents do not, there is no reduction to either the workers benefits, or those of his dependents?

        This is very confusing, and I’ve heard conflicting stories from retired people around town, who are well over full retirement age and say that they are only allowed to work a certain number of hours a week, and earn a certain limit before their benefits are reduced.

        • Kay Derochie

          Dear Anonymous,

          Your first statement is correct. The retired people around town may be misinformed or they may be getting Supplemental Security Income (SSI) and not Social Security.

          Sincerely,
          Kay

          • Anonymous

            Thank you, Kay. It turns out the people we spoke to in town were early retirees, at age 62.

    • Anna

      I was just approved for SSI on the 18th of December. I haven’t worked since 2007. My husband made approximately $31,800.00 last year. We have 3 children under the age of 18. How can I figure out what, if any, my benefit will be?

      • Kay Derochie

        Dear Anna,

        Assuming that your assets are below the Supplemental Security Income(SSI) limit and your children don’t have income, your family income will allow a payment of about $600 a month. If you were approved for SSDI (Social Security Disability) your SSDI benefit will be based on your earnings history, not on your family’s current income.

        Sincerely,
        Kay

  • Stuffy

    Hello, I hope you can help me understand this mess. I am on SSD since 2000 and receive $1017 a month. I have 2 children ages 18 and 17. Currently the 17 year old receives $508 a month off my record. It had been split between the 2 kids and they both had been receiving $254 a month, but that stopped because of the 18 year old turning 18 in January. The 18 year old filed for SSI in June and was approved in October. He received a check for back pay around $1,900 and another check for $488 in November. I received 2 letters 3 days apart. The first letter stated the 18 year old is entitled to monthly child benefits and beginning date is June and he would get $254.00 a month through November. At the end of this letter it says “Although we are sending ….. $254 of the money he is due for the past months we are withholding his Social Security benefits for June to October. We may have to reduce these benefits if he received SSI for this period. When we decide whether or not we have to reduce his Social Security benefits we will send him another letter. We will pay him any benefits he is due” The second letter I received was in regards to the 17 year old and Social Security is saying there is an overpayment of $1,270. “We reduced the monthly benefit amount beginning June because we started paying another person on this record. “We will pay her a monthly check of $254 until we start to collect the overpayment.

    I have called Social Security twice, the first time was the national number and I did not understand what she was trying to tell me. The second call was to the local office and the lady was rude and raised her voice to me. We are all so stressed out right now there is no way I can repay $1,279 to them and I don’t understand why they are going back to splitting the $508 between both my children when one of them is now considered an adult? Will Social Security make him repay the $1,900 and $488? The second lady said I would be getting my SS in December and he would be getting his SSI in December, but did not say anything about the 17 year old and I was so upset that I did not ask. I am scared to death about spending any of the SS and told my son to try not to touch his, but what can we do? Starve and not pay the bills? Can you make any sense of this?

    • Stuffy

      I noticed you have answered other people’s questions today even though I asked last week. If you can’t or won’t answer my question please delete it. Thank you.

      • Kay Derochie

        Dear Stuffy,

        Occasionally questions are inadvertently answered out of order. Your question has now been answered.

        Sincerely,
        Kay

    • Kay Derochie

      Dear Stuffy,

      First, your own Social Security benefit is not affected in any way.

      When your older child was found disabled and eligible for Supplemental Security Income (SSI), he was also automatically approved for disabled adult child benefits on your earnings record. (He will continue to be eligible as long as he is disabled and unmarried.) Social Security dependent benefits can be retroactive for six months from the date of application, which means that his Social Security began to accrue in January, the month he turned eighteen. That resulted in your younger child’s Social Security being recalculated retroactively to the lower amount effective January 2015. With regard to the overpayment, you can either just let your daughter’s Social Security be withheld to collect the overpayment or maybe your son could use part of his back pay to repay his sister’s overpayment, which was caused by his eligibility.

      Now, there’s another wrinkle and that is he has apparently been been paid SSI for either June or July through October. That means that his Social Security benefit for those months will be offset (reduced) by the SSI paid for the same months. (The government won’t pay duplicate benefits for the same months.) Because the $488 SSI is higher than the $254 Social Security, he will not be paid any Social Security for those back months in which there is an overlap. Once his Social Security starts, his SSI will drop to $254 (coincidentally the same amount as his Social Security). If later he starts to pay his share of rent or mortgage and shelter utilities (not phone or cable) and food, his SSI can be increased to $479. His share is the total expenses for those items divided by the number of people in the household. Lastly, based on the information you have given, I do not see any reason that he would have to repay the SSI he has been paid.

      Sincerely,
      Kay

      Sincerely,
      Kay

      • Stuffy

        His first monthly SSI payment started in November and he received $488.67 His back pay was from July through October, so that was why I was wondering if he had to pay it back? This month (December) I received $254 for both my son and daughter and my son received $488.67 So he should not have received the $488.67? Will he or I be getting the $254 in January? I am so confused right now and on the verge of a breakdown from stress and worry!

        • Kay Derochie

          Dear Stuffy,

          Yes, your son’s SSI benefit will be reduced by his Social Security benefit. If your son is mentally disabled in a manner that he is not capable of managing money, his benefit will be paid to you. If he is not, as an adult he should receive both benefits directly.

          Sincerely,
          Kay

      • Stuffy

        The SSI back pay was for the months of July through October and his first monthly check for SSI of $488 was in November. In December I got $254 for him and $254 for his sister, but then he received $488 in December and so now what? Will he only get $254 in January and will he himself get it or will I receive it minus $254 his sister was suppose to receive? This is all very confusing to me.

        • Kay Derochie

          Dear Stuffy,

          I think that he was overpaid SSI in December because last in the month he got the $254. You are likely to get an overpayment letter for him that says he’s overpaid $234 SSI. In January I would expect him to get $254 Social Security and $254 SSI. (The fact that they are same amount is coincidental.) I think you will have to wait to see who will be the payee on the benefits ongoing.

          Sincerely,
          Kay

  • SHANNON

    I just received paperwork from Social Security from my hearing that said I am fully favorable for disability. Now what all does than mean.
    Also I was reading some of the questions here and read about FMD. I have three children 18, 9, and yrs. My onset date is 2013 so my 18 year old would have been 16. I guest what my question is can I get benefits for my children also. And lastly I am currently separated from my husband for 10 months now. Is he entitled to my disability and if I am able to get FMD does that take away from child support from him if he has to start paying it.
    Sorry these are a little confused I just have questions and I’m very new to all of this. I’m right now the sole support for my 3 children because he is not helping.

    • Kay Derochie

      Dear Shannon,

      If your family maximum benefit is more than your benefit, you can apply for benefits for your children. If your ex-husband is under age sixty-two, he would not be eligible for dependent benefits on your account because he does not have your minor child in his care. The child-support order would not automatically go down. Your ex would have to go to family court and ask to have the support reduced, and the judge would decide whether or not to reduce it.

      Sincerely,
      Kay

  • Cathy

    Question: I have applied for SSI on behave of my 31 year old son who has Down Syndrome. The communication between myself and SS has been little. They did request my son to go to a pyschologist- which he did 3 weeks ago. After our interview the pyschologist told me our visit to her was the last thing I needed to do- so I didn’t need to call SS with any questions- they would get in touch with me. So how long should I wait before calling to find out what the next step is? Thanks for any info you can pass on!

    • Kay Derochie

      Dear Cathy,

      If you don’t have a decision by the end of December, follow up with the Disability Determination Services (DDS) claims examiner who asked your son to attend the appointment and inquire about the status.

      Sincerely,
      Kay

  • Candy Milburn

    Hi I really appreciate you answering all these questions this process can be exhausting. My question is I was finally approved for SSDI this year I get 930 a month then I get 342 for my son…. now here is the part I’m not sure of I have 2 step daughters who are now 18 my back pay went back 3 years… so technically I should of got money for the girls as well until 18. But they told me that I would only get 342 any way it would be split 3 ways so “technically” it would be only 342 total for all 3 kids. Is that correct? a few people have told me that is not so it should be $342 each child?

    • Kay Derochie

      Dear Candy,

      I suggest that you call Social Security at 1-800-772-1213 and ask the amount of your family maximum benefit (FMB) and your primary insurance amount before withholding for Medicare premiums if you are eligible for Medicare. The difference between the two figures in the maximum dependent benefits payable to all dependents in the family. If the difference is $342, than you will know the maximum is being paid.

      Another consideration is that to be eligible your stepchildren had to have been financially dependent on you (you providing more than half their support) at certain specific periods of time. If the FMB is higher than the dependent benefit being paid, you can discuss dependency with Social Security and decide whether the stepchildren should file claims for the retroactive benefits. Another issue is that only six months retroactivity is allowed. If you did not list the stepchildren on your application, they have not applied and to get benefits they would have to be under age eighteen in the six months before the month in which they now file.

      Sincerely,
      Kay

  • Larry Stone

    Dear Kaye,

    My ex wife has been on S.S.I. for 8 years, and our son is now 20, he was in college, but I couldn’t afford to let him stay , was he able to collect F.M.B. on her claim, or is it too late, if so what can be done? Thank you.

    Regards,

    Larry

    • Kay Derochie

      Dear Larry,

      Children can receive dependent Social Security benefits after age eighteen only while they are in high school and under age nineteen.

      Sincerely,
      Kay

  • Koda Miracle

    I have a question would SSI help pay for a service dog or something like that was curious ?

    • Kay Derochie

      Dear Koda,

      Neither Social Security Disability nor Supplemental Security Income (SSI) has a benefit to pay for a service dog. I suggest that you try contacting non-profits that train service dogs to see what is involved in getting one.

      Sincerely,
      Kay

  • anadee

    Hi, I hope you could help me to understand the process of ssi and ssd. I was approved for both. Ssi just kicked in I received a deposit for the $2199.00 plus novembers $684. The case worker said she is holding on to the balance of $5000. She said it would be released after hearing from ssd. She said they havent processed anything as of yet. I got approved for jan.2013 its been a long process that went to court. My questions to you will I have to pay back the ssi? And will my lawyers fee come out of ssd? She said ssi won’t pay the lawyers. She also said my childern wouldn’t qualify for ssd that the money would all go to me why wouldnt they? Im scared to spend a dime not knowing what im getting for ssd. Will it be two years of back pay or is there a limit. I know it starts five months after so july of 2013. Ssi took off a years worth because I received short term from work which is fine. I know they are trying to save trees and not send letters out but really some answers would be helpful. Should I just apply for medicaid since she said they were suppose to get in touch already but haven’t. Any help you give me would be so helpful thank you.

    • Kay Derochie

      Dear Anadee,

      If you are eligible for Supplemental Security Income (SSI) on an ongoing basis, your SSI back pay will be paid out in three installments, the first two limited to $2,199. When your Social Security is processed, if it is too high for your SSI to continue, the full amount of the SSI back pay will be released. You will not have to repay the SSI. Your Social Security back pay will be reduced by the amount of SSI paid for months that overlap with Social Security. It is my understanding that an attorney fee will be withheld from both the SSI and Social Security. You can check by looking at the agreement you signed with the attorney.

      Your children will be eligible for benefits if your past work earnings were high enough to earn a family maximum benefit that is higher than your own primary insurance amount (your own benefit). Once you get your first Social Security benefit, you can call 1-800-772-1213 and ask the amount of your family maximum benefit. If it is the same as your gross benefit before taxes or Medicare premiums, no benefits will be payable to your children. If it is higher, check to see whether anything is needed to complete their application.

      If you were told that the state Medicaid office would contact you and it has been a couple weeks since you got your first SSI payment, yes, contact the state to apply based on SSI eligibility.

      Sincerely,
      Kay

  • Debi C.

    Hello Kay I applied for my SSDI in 2012 after being denied I got an attorney whom I met with twice. The first time when I went to the office and 1 1\2 years later to review and prepare for a court date which was moved up because I asked to file for a dire need claim. My attorney said that we would have to pay $800.00 before the hearing for written statements from my two doctors. We told him that we really didn’t have that kind of money his reply was it’s investment and we couldn’t afford not to..We borrowed the money. Two weeks later my attorney called and said we wouldn’t win because of one of letters said I could do sendary work provided I could take a break every hour.he saiud I should wait two years and file an appeal when I turn 55 years old. He sent me a letter to sign withdrawing my claim. I didn’t sign it. He excused himself.from my case. I went to the hearing with my husband. I received a fully favorable ruling on 8/28/15. I haven’t received any pay yet and my lawyer file for payment for work done before the court date.can he do that ? What will his pay if any is based on? The judge ruled that my disability started 4/17/12. Will my back pay start then? Thank you so much
    Ly

    • Kay Derochie

      Dear Debi,

      You can petition Social Security not to pay the attorney or pay the attorney less than he is claiming because he abandoned your claim part way through and did not attend the hearing. I would also mention that he tried to get you to withdraw your claim. You may be successful in eliminating or reducing the fee paid to him.

      Your benefits will begin to accrue October 2012.

      Sincerely,
      Kay

      Sincerely,

      • Debbie C Cannady

        Thank you so very much Kay.You are truly God sent.It’s a blessing to have someone to help navigate thru the maze of disability claims.My prayers are with you to be blessed 100 fold.

        • Kay Derochie

          You are welcome, Debbie.

  • Dawn

    Hi Kay, I hope you can answer my question too.
    I am a 55 yr old disabled female, I was approved for my disability this past
    April. I was a couple of credits shy of getting SSD, so they gave me $733 SSI a month. I am also a widow, my husband, of 16 yrs, passed away on his 54th birthday, which was 8/8/2013, ( I had to wait until my case was
    approved before I could apply for widows benefits). I read on the SS website that if you are over 50 and disabled, that you can get both, your
    disability and widows benefits, one will not affect the other, but being that
    I get SSI in place of SSD, will my widows benefits affect my SSI amount even though it is for my disability? Will they take it away? If they do, that would be like saying I was no longer disabled, wouldn’t it? I am curious as to what will happen. I am living with someone and sharing costs right now, but it’s not supposed to be a permanent thing. I am hoping to have enough to get out on my own and not have to live with someone the rest of my life. Any help would be appreciated. Thank you.

    • Kay Derochie

      Dear Dawn,

      Widow’s benefits prior to age sixty are paid only if the widow is disabled and the benefits are reduced. To collect the full widow’s benefits you would have to wait to receive benefits until you are full retirement age. You may not have a choice about waiting because the SSI program requires that you apply for all other benefits you could be entitled to.

      Your SSI will be reduced by the amount of disabled widow’s benefits you are eligible to receive. If the disabled widow’s benefits are $753 or more per month, no federal SSI will be payable.

      Sincerely,
      Kay

  • jeff arrington

    My ex-wife and I have been divorced for several years.. We both had physical and legal custody of our daughter. No one paid no one child support. Actually my daughter lived with me most of the time cause of my ex being in and out of the mental hostpital most of the time. I was a single father paying for most of my daughters well being, clothes, food, etc. I didn`t realize until 6 years after the fact that my wife was on disability and also getting a check for my daughter. Now my daughter is 24, thats why i said 6 years after the fact because she is no longer 18..Was I entitled to some of that money back then to help with her support? Is it to late to do anything about it? My ex-wife drew a check for her most all her life and I didn`t know anything about it. I feel like I was double dipped on. My ex was remarried the whole time with 2 incomes and I had only one, but was still having to pay more then my part because I didn`t know my wife was getting and ssdi check for my daughter as well….Is it to late to collect, or to late to report it?

    • Kay Derochie

      Dear Jeff,

      You can report misuse of funds; but given how long ago it was, it will be hard to be specific about who paid what for your daughter. (If the dependent’s benefit was very small, your ex-wife might have used all the money for your daughter by saving it during periods she was with you and using it for her when she returned to her household.) If Social Security were to investigate and establish misuse and could get the money back, it would likely be issued to your daughter now that she is an adult not to you.

      Sincerely,
      Kay

  • My wife had an accident 16 years ago and she has a disk protruding and has medical limitations of not being able to lift more than 20lbs. Now my wife has worked over the years best she could, however she hasn’t been able to keep a job for more than 1-2 years at a time because the work becomes painful. She has never thought to try to get ssi and just always tried to make a living the best she could. She is getting older and thus the pain gets harder to bear in less amounts of time so I spoke to her about ssi. My questions are with her working as much as she could how will that affect back pay also what is the maximum back pay she could get because the ssi website states it back pays to the sixth full month of the disability date. We want to make sure we have all the right information before starting anything and we just simply are unsure of many things.

    • Kay Derochie

      Dear Mike,

      The more your wife has worked, the higher her benefit will be upon disability or retirement.

      Back pay applies only to the amount of time between when benefits are first payable and when regular monthly benefits start. Sometimes there is no back pay. For example, if your wife stopped working this month and her claim was processed and approved with an October disability date and the decision was completed by May, she would have no back pay because benefits would begin to accrue in May and would be paid in June.

      Sincerely,
      Kay

  • Ashlyn

    I had a quick question. I am currently on bed rest in the hospital, and am due to give birth next month. My baby does not have kidneys, and will require peritineal dialysis once he is born, and I am not able to work. I was told I qualify for an ssi check, but I would love to know a ball park amount of what the estimated amount should be, since I will have to care for my baby full time and not work.

    • Kay Derochie

      Dear Ashlyn,

      Your child, not you, will be eligible for Supplemental Security Income (SSI) if your family income and assets are below SSI limits. The maximum benefit is $733 a month. You are not eligible for SSI or Social Security Disability because you will not be disabled for twelve months.

      I suggest contacting your state or county social services office to find out whether your state has a program that pays a stipend or small wage to caregivers to care for a severely disabled relative. (I am not sure whether any of this type of program will pay for a parent to care for a minor child, but it is worth checking.) You might also apply for WIC (Women, Infants, and Children) food benefits and or food stamps.

      Sincerely,
      Kay

      • sherry seals

        If this helps my fiance that lives with me is my care giver and he gets paid. I also just got approved for disability.

        • Kay Derochie

          Dear Sherry,

          This post gives me the impression you did not see my previous reply of November 11. Your post and my reply are under “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?” under the SSI tab.

          Sincerely,
          Kay

          Sincerely,
          Kay

  • Amber Henry

    Im considered an disabled adult child and receive benefits because my mom is disabled and receive benefits for myself, if I move out on my own with a roommate will I get a cost of living increase and will I still get benefits for being a disabled adult child of a disabled adult even though im no longer living with them?

    • Kay Derochie

      Dear Amber,

      Where you live does not affect your eligibility for disabled adult child benefits. Cost of living increases are given based on increases in the consumer price index, not on living arrangements. If your Social Security is less than $753 monthly (or slightly more if you live in a state that pays an SSI state supplement), you may qualify for additional disability benefits under the Supplemental Security Income (SSI) program. Note that to be eligible for the maximum SSI, you need to pay your equal share of the rent and shelter utilities (and food if you and your roommate share food). You might also be eligible for SNAP (formerly called food stamps).

      Sincerely,
      Kay

  • I’m disabled and receiving my own benefits. By me becoming disabled before i turn 22 years old, I qualify for Adult child benefits because my mother is receiving disability benefits. But my question is Im married but my husband is in prison and wont be released until 2024…can i still receive Adult child benefits?

    • Kay Derochie

      Dear Faye,

      I believe that your disabled adult child benefits should have terminated the month before you got married. Usually the only exception is if you marry someone who is also eligible for disabled adult child benefits. Accordingly, you need to report your marriage as soon as possible to avoid further overpayment. When the Social Security benefits end, you may be eligible for Supplemental Security Income (SSI) disability benefits, so file an application at the same time as you report your marriage. If you file or at least start your claim this month and are eligible, SSI will begin in October.

      Sincerely,
      Kay

  • Anonymous

    I had my hearing this last Friday and the judge gave me a bench decision on favorable. However, she also said she wants me to have a payee. I’ve read online that the judge can change their mind before the written decision. I have a couple questions. First, do I have to wait until I get the written decision to find a payee and have them go through the interview and paperwork? If I have to wait for the written letter do they give you enough time to get a payee before my benefits come in? I really don’t want to use a business payee.

    • Kay Derochie

      Dear Anonymous,

      No paper work will be done to set up payment on your claim until you receive a written approval from the judge. You will have time to have a payee file the payee application papers after you get the approval; however, it would be good to start thinking about who would be reliable and honest in handling your funds and perhaps talk to them to see if they are willing.

      Sincerely,
      Kay

  • Latoya

    Hi Kay,
    I had my hearing today and I was under the impression that the judge was going to ask the vocational expert a few questions, but he never did. The only thing he asked was my work experience and that was it. I thought the judge was going to ask him what sort of job I can preform or if I can return to work, but he never asked. Is that a bad thing that he didn’t ask and just asked about my work history? Also if I am approved my lawyer said I would be entitled to back pay. I applied in March, 2013 my max family benefit caps off at $2000. Does that mean that I will get back pay for my children as well. At the time that I filled out my application at the social security office I was told to put my children on there since they will be entitled to benefits as well. My lawyer believes that I will be approved for a year and from that time and social security will review my case to see if there are any changes in my condition. Thank you!

    • Kay Derochie

      Dear Latoya,

      If the judge accepted the medical information in your claim file as proof of the limitations you are claiming, his not asking detailed vocational questions may be an indication that your claim will be approved. If so, your children will be eligible for back benefits for the same period you are.

      Sincerely,
      Kay

      • Latoya

        Thank you so much!

        • Kay Derochie

          You are welcome, Latoya.

  • Happy Christian

    I am currently on SSDI and my husband is on regular retirement benefits. When he passes will I keep my benefits and then get a part of his? If I pass will he get part of mine and his benefits change? He makes more than I do. Thank You for you help.

    • Kay Derochie

      Dear Happy Christian,

      If your husband passes away before you, you will receive an amount on his Social Security earnings record that will supplement your benefits up to the amount that widow’s benefits would be. If you die first, your husband’s benefits will not change because his benefit is higher than yours.

      Sincerely,
      Kay

      • Happy Christian

        Thank you for your reply. How will I know how much widow’s benefits will be? Will that be the full amount he gets or mine plus a percentage of his? The ssa website is very confusing. I’m sorry to keep bothering you. Thank you for your help. You are the only one that helps everyone. It really is appreciated.

        • Kay Derochie

          Dear Happy Christian,

          Usually you will be switched over to widows benefits; however, even if part is paid on your record and part on your husband, the total amount will not exceed the benefit that would be payable on his record alone. Because you will not have received reduced retirement benefits, you will receive the same amount as he is receiving.

          Sincerely,
          Kay

  • catrina

    Hi Kay I’m trying to figure out if I am approved for my ssdi which is in QC…AND IT states that if I am disabled I will get $1030.. Your child $840 n family can’t exsceed $1761 how much will my 6 children get?? I’m confused!!

    • Kay Derochie

      Dear Catrina,

      You will have to wait until the quality review has been completed to find out if your are approved. If your family maximum is $1,761 and your own benefit is $1,030, the amount available to be split among your six children is $731 ($1,761 less $1,030). I don’t know what the significance of the $840 figure.

      Sincerely,
      Kay

  • edith

    I am still patiently setting waiting on my back pay from social security my lawyer was paid on July 30 and I still have not received any back pay or even regular pay yet. Wonder when will I get my back pay?

    • Kay Derochie

      Dear Edith,

      It is hard to say when your benefits will start. Sometimes there is a significant gap between payment of the attorney and start of benefits for the disabled person.

      Sincerely,
      Kay

    • Jen

      The only way I could find to ask a question was to reply to someone else’s comment, so I am sorry for that. I have 3 questions. My page on the my social security website went from saying basically nothing, to now it breaks down my survivor benefits etc for ssdi. I don’t qualify for ssdi, but have applied and had hearing for ssi on July 20th. I am wondering if ssi benefits will show if I’m approved or if those survivor benefits showing now most likely mean my ssi wasn’t approved? My second question is, if my son receives, (for his disability) the full amount of ssi benefits and I am approved will both of our benefits decrease or can my son and I both receive the max amount for ssi of $733.00? My third question is, if the hearing office where I had my hearing said that my decision was made and is in the last step of being mailed out to me, what is an estimate of how long it should be before I receive the decision letter?

      • Kay Derochie

        Dear Jen,

        I would interpret the online information to apply only to Social Security and not to your Supplemental Security Income (SSI) claim. If you are approved, your son’s receiving SSI will not affect your benefit amount and vice versa. Assuming that the last stage is for the judge to review and sign the decision letter, if everything is correct in the letter, I would expect you to receive it in less than a month.

        Sincerely,
        Kay

        • Jen

          Hello Kay,
          Thank you for answering so quickly. I received my fully favorable decision this past Sat the 5th! I was not expecting it that soon! Thanks for the info!
          Sincerely,
          Jen

          • Jen

            Hello, again. I am sorry, but I didn’t clarify that my son is a minor that lives with me. So, was your reply of our benefits not affecting each others based on him being an adult in his own home? Basically, what I’m trying to ask is can my son and I both receive the full amount of ssi benefits with him being a minor living with me?
            I’m sorry I didn’t clarify that in my first question. Thank you so much again for your time!
            Sincerely,
            Jen

            • Kay Derochie

              Dear Jen,

              Yes, you and your minor son can each receive the maximum Supplemental Security Income (SSI). Your SSI payments do not affect each other.

              Sincerely,
              Kay

          • Kay Derochie

            You are welcome, Jen.

        • Erin

          Hi, thanks in advance for reading my question. My question is I receive $733 from SSDI I became disabled at 28, I also receive $45 from SSI (some of the $45 comes from NYS supplement). There is no family benefit amount on my record. My son was recently approved for SSI he is 13, I was wondering what his benefit amount would be. Will he get the maximum or will he get a small amount of SSI like I do? We have no other income.

          • Kay Derochie

            Dear Erin,

            Your son is likely to receive the maximum $733 federal Supplemental Security Income (SSI) payment and any supplement that the state of New York might pay to a disabled child.

            Sincerely,
            Kay

    • Mary

      Same here with asking a question, I could only post asa response. I have wet macular degeneration and am blind in my left eye. I had surgery on my eye and lucentis injections but the sight I lost is permanent. I had several TIA’s and had an attempted angioplasty that was unsuccessful and then an endrorectomy on my carotid artery and I am being treated fir carotid artery stenosis. I applied for disability and was denied.

      I appealed the decision and received a letter from disability that not one of my doctors or the hospitals could find my records. I called the offices and they are telling me I have to come in personally, sign a form for release of my records then they will send them to the disability office. I don’t live close to any of the offices and limit my driving to local and daytime driving only.

      When I applied for disability wasn’t that considered authorization to release my medical records?

      • Kay Derochie

        Dear Mary,

        If you scroll all the way to the end of all the comments and replies, you will find a place to enter your identifying information and message. Beneath that there is a blue button that says “post comment.” That will post without its being a reply.

        And now, your question. Yes, you signed an authorization for release; however, every medical facility has its own rules about what they will accept. I suggest that you get a friend or relative to drive you around to all of them, perhaps in one day, and sign the requested releases. Also let the disability office know that you are doing this and you want them to hold off on their decision until they receive the records. Tell them that you will let them know as soon as all the releases have been signed.

        Sincerely,
        Kay

        • kim

          I am only able to ask a question by replying, I had my hearing this morning, before the hearing I was told it would take 1-3 months for the judge to make a decision, but 10 minutes into my hearing she deamed me disabled, I had applied for both SSDI and SSI. I have several medical issues to include Spina Bifida, TIA strokes, Chronic kidney disease, and diabetes. Can I receive both? I am not sure what the monthly payout is in Colorado. I have plenty of work credits. I was told I should receive back pay from May 2013. Will I get that in one lump sum? or will it be spread out through an amount of time. Also because my lawyer did not have all of my medical records turned into the court in time the judge waived the fee that I had signed in the agreement when I detained them but that I will receive a letter that would let me make a decision on how much they should be paid. How long will it take to receive my first payment. I will be on medicare. Can I receive medicare and Medicaid as I am already on Medicaid. I have friends tell me that my child (age8) that lives with me can also receive benefits. How do I find out if she qualifies and how do I apply. thank you for your time.

          kim

          • Kay Derochie

            Dear Kim,

            You have asked several questions.

            1. You will be paid any Supplemental Security Income (SSI) due for months before your Social Security Disability (SSDI) starts. If your Social Security benefit is too high for ongoing SSI, your SSI will be paid in a single lump sum. If your SSDI monthly benefit allows for ongoing SSI, the SSI back benefits will be paid in up to three installments six months apart, the first two installments not exceeding $2,199 each. Your SSDI back pay will be reduced by the amount of SSI you were paid for the same months.

            2. From the date you receive the judge’s letter, it will take from a couple weeks to a month or more to get the SSI started. Social Security will take another month or more after that and the SSDI back pay will come a couple months after the first SSDI monthly check. The SSI time frames will depend on the workloads in your area.

            3. With benefits starting in May 2013, you will be eligible for Medicare beginning May 2015. If you have ongoing SSI benefits, in most states you will automatically also be eligible for Medicaid. Otherwise, if your income is too high for Medicaid, you can purchase a Medicare supplement insurance (Medigap) or a Medicare Advantage Plan to help with costs that Medicare doesn’t cover. Search for information regarding these options at http://www.medicare.gov or contact your state’s insurance commissioner for a list of companies that offer Medicare supplement plans.

            Sincerely,
            Kay

          • kim

            Kay

            Thank you for the information.

            kim

            • Kay Derochie

              You are welcome, Kim.

        • Anonymous

          Hi Kay,

          I can only ask a question by replying to another one. My dad reached full retirement age this year and applied for his retirement benefits. My mom reached full retirement age in 2014, and they converted her disability benefit to a retirement benefit.

          I have received SSI and SSDI (off my mother’s work record) since age 18. Once my dad retired this year, I was eligible for a higher benefit off his work record.

          My dad’s PIA is $2221. His Family Maximum is $3888. I receive $1110 in Disabled Child Benefits off of his record.

          My mom receives $438 off her own record, and only $394 in Spousal benefits off my dad’s record. When I combined the $1110 I get from my dad’s record, and the $394 my mom gets from his record it only equals $1504, instead of the $1667 that is left over when I subtract my dad’s PIA from his Family Maximum of $3888. (3888-2221=1667)

          Shouldn’t the spousal benefit my mom gets be more? It seems they are not using the whole family maximum. Giving her more wouldn’t put us over the limit, so I’m very confused by this. The SSA said that they don’t use the whole family max. We think they’re wrong, but it is past the time we can appeal. They told us if we appealed that nothing would change anyway. Thank you.

          • Kay Derochie

            Dear Anonymous,

            Each dependent can receive a maximum of fifty percent of your father’s benefit rounded down to the next dollar. That potential fifty-percent benefit is reduced if there is not enough in the family benefit to be pay fifty percent to everyone. In your family’s case, the $1,667 divided by two people is $833.50 rounded down to $833 each. Additionally if a dependent is getting benefits on her own record, the dependent benefit is reduced by the benefit on the dependent’s earnings record. This means that your mother is probably getting the correct amount. She’s getting a total of $832 rather than $833 due to each of the benefits being rounded down separately.) I would have expected that your benefit would also be $833. So, either you are receiving more than you should or there is a special rule that allows you to get the full fifty percent because not all the family maximum is being used due to your mother drawing on her own record. Note that even though she is out of the appeals period, she has a right to have an explanation of how the benefits were calculated.

            Sincerely,
            Kay

  • Donna

    I’ve applied for SSDI and my husband is concerned about the FMB and how this will effect future claims we will both have on his SS when he retires. Any advice you can give on this subject would be greatly appreciated. Thank you

    • Kay Derochie

      Dear Donna,

      Your disability benefit will automatically change to retirement benefits at your full retirement age. There is no financial disadvantage to taking disability benefits. Your taking disability benefits will not affect the amount of spouse’s benefits you could draw on your husband’s account at retirement age. If the spouse’s benefit is higher than your own benefit, you can receive the higher amount.

      If your husband takes reduced spouse’s benefits on your earnings record based on being at least age sixty-two, drawing his benefit from your family maximum benefit (FMB), the reduction percentage that applies to his spouse’s benefit will apply to the benefit that he draws on his own retirement account later. However, if your children and he as a young (under full retirement age) spouse caring for a child under age sixteen take benefits from your family maximum benefit, those benefits will have no impact on later retirement benefits.

      Sincerely,
      Kay

  • Ashley

    Ok I was just wondering if I draw a ssi and my boyfriend does as well ant our kid supposed to draw off of us or how does that work

    • Kay Derochie

      Dear Ashley,

      If you and your boyfriend receive Supplemental Security Income (SSI), no dependent benefits are payable. If you both receive Social Security Disability (SSDI), you can file an application for the children on both their parents’ earnings records and they will be paid under a combined family maximum.

      Sincerely,
      Kay

    • Diana

      I was wondering why do my children don’t qualify to receive benefits when I am disabled and receive a check. They keep saying I did not work enough.

      • Kay Derochie

        Dear Diana,

        “You didn’t work enough” either means that your work history was low enough that the Social Security Family Maximum Benefit (FMB) that you earned is the same amount as your own Social Security Disability (SSDI) benefit (that is, all the FMB was used for you) so that no dependent benefits are payable or means that you didn’t work enough to get SSDI and you are receiving Supplemental Security Income (SSI), which provides benefits only for the disabled person, nothing for dependents.

        Sincerely,
        Kay

  • edith

    I just got a call from social security and I do not understand why they can not release my back pay until Mid September cause my attorney was paid July 30 that got to be wrong.

    • Kay Derochie

      Dear Edith,

      It is common that there is a lag time of a couple of months between the attorney’s being paid and the claimant’s back pay being released.

      Sincerely,
      Kay

  • edith

    I received awards letter and said they paid my attorney but never said anything to me yet wonder when will I get my back pay?

    • Kay Derochie

      Dear Edith,

      It can take two to three months after the attorney is paid for your benefits to be released.

      Sincerely,
      Kay

  • joanne

    I’m 62 and on ssdi due to Parkinsons Disease. My husband is 64 and collecting SS retirement since age 62. Am I able to collect a spousal benefit in addition to disability until I reach full retirement age? And will this affect my benifit amount one I reach FRA. Thank you.

    • Kay Derochie

      Dear Joanne,

      You should check with a Social Security claims representative to be sure, but I believe that you can collect reduced wife’s benefits to supplement your Social Security Disability (SSDI) benefits if the wife’s benefit is more than your disability benefits. For example, if you now collect $900 and a reduced wife’s benefit would be $1,000, you could receive $100 in wife’s benefits; however, I believe that the reduction would reduce the benefits being paid on your own earnings record when you were switched from disability to retirement benefits.

      Sincerely,
      Kay

      • joanne

        Thank you Kay for your quick response.

        • Kay Derochie

          You are welcome, Joanne.

          • April

            Hi, I have been fighting SS for 3 years and they have denied me 3 times. They sent me to their “neurologist” which was really a pyshc evaluation (so they lied to me) no problem cause I knew already. Anyway, they have made a decision and won’t tell me over the phone because of “privacy practices” I have a right to know NOW and not wait for a letter. They told me if I didn’t receive a notice or CHECK by October 7th, call them back right away. Does that mean they finally approved me?? They have never told me anything about a check before. Thanks!

            • Kay Derochie

              Dear April,

              No disability decisions are given out by telephone. If the examiner meant to say “check,” I would say your claim has been medically approved. It could, however, just been a slip of the tongue.

              Sincerely,
              Kay

  • Kimberly Mills

    My husband passed away at 46, I receive survivors benefits for myself and our son (14 years old). However I have applied for SSDI on my own record and I have been approved (its currently in QR, fingers crossed it stays approved – my luck of course).

    Question #1 – Will I get any back pay if it is owed to me or will it be taken away because I have been collecting survivors benefits?

    Question #2 – How will my SSDI affect my sons (14 years old) survivor benefits?

    Question #3 – I also have a second child (2 years old, not my husband child) how will MY SSDI be split

    I have already been told when I did my original interview that if I was approved that my benefits would be more than what I get on my husbands.

    I know this is confusing so thank you in advance for any help you can provide.

    • Kay Derochie

      Dear Kimberly,

      Now that you have been approved for Social Security Disability benefits that are higher than your survivor benefits, your survisor benefits will stop. This may result in an increase in survivor benefits for your son. You will receive back pay equal to the difference between your disability rate and the amount of survivor’s you were receiving.

      Your son who is now receiving survivor benefits may have an additional increase due to being paid based on a combined family maximum from your and his father’s records. Your younger child will also receive benefits from your earnings record if your earnings are high enough to provide for survivor benefits. I’m not sure exactly how the dependent benefits from your record will be split because your one child will be eligible for the combined family maximum.

      Sincerely,
      Kay

      • Kimberly Mills

        Thank you Kay sounds like it could get confusing.

        • Kay Derochie

          You are welcome, Kimberly.

      • Kimberly Mills

        I read this over and over and I wonder if this is why it went to QR, if I add those amounts it almost seems impossible, I would actually be able to pay my bills.
        If I am reading this correct my 14 year old could possibly get the full amount we now receive from my husbands survivor benefits and I would get what ever I am entitled to on my own record in addition to my 2 year old getting a check on my earnings.
        At some point would this amount get to large and they adjust down or is one completely separate from the other?
        I am sorry for the questions anxiety is kicking in.

        • Kay Derochie

          Dear Kimberly,

          Your summary about benefits is correct. The children’s benefits terminate at age eighteen unless the child is still in school;in which case, benefits terminate the earlier of age nineteen or graduation from high school.

          Sincerely,
          Kay

  • michael

    Hi Kay, my question is I used the detailed calculator from ssa website and entered all the correct info and it gave me my correct pia . But it says that my MFB IS CAPPED at 1.50 i have 2 children and this is for Ssd is there any way that this could be a mistake since i have seen on your site EACH CHILD can recieve 50percent?of the PIA WHICH for me is 1766$ thanx for ur help!

    • Kay Derochie

      Dear Michael,

      Your total earnings during your working lifetime determine the percentage at which your family maximum is capped. Apparently your earnings resulted in its being capped at 150%, which means that your two children together will receive an amount equal to 50% of your benefit. (Your benefit is part of what is paid out of the family maximum.)

      Sincerely,
      Kay

      Sincerely,
      Kay

      Sincerely,
      Kay

  • heather

    Hi Kay. MY y question is… I’ve been recievin ssi for 5 years and I am now 31 and receive $733 monthly. My father started getting social security disability 12 months ago and receives $1035 monthly. I just applied for the adult child disability and was told I was approved but my question is will I lose my ssi? And will I take a cut in benefits at all?

    • heather

      Also my sister and mother do not receive any benefits at this time. Only my father and I. Thank you in advance

    • Kay Derochie

      Dear Heather,

      Your SSI will be reduced but not terminated. You could receive as much as $517.50 from his record and $235.50 from SSI.

      Sincerely,
      Kay

  • Kay Derochie

    Dear Edith

    I deleted your message to me because it contained too much private information about you.

    I read over the letter you posted. Social Security that you will be paid through November 2014 will be paid at a rate of $760 a month. Social Security in 2015 will be paid at a rate of $773 a month. Beginning in November you will be eligible for Medicare (and $104 will be deducted at that time for your premiums).

    The part about the Supplemental Security Income (SSI) is confusing. It seems to read that you will get $550 a month in SSI, but that is not possible given the amount of your Social Security. That amount might be the next installment of back SSI benefits; however,I suggest that you contact Social Security for an explanation.

    Sincerely,
    Kay

    • Jordan

      Kay-
      I recently appeared before an ALJ
      July 22, 2015. 2 hypothetical questions were asked. 1: Based off past work history what jobs are available. The VE stated 3 and named them. 2: Based off My Condition the fact I have a low tolerance for frustration could I do any job that would put Me off to Myself away from others plus I may have to miss work 20% of the time. The VE stated there are no jobs available for Me to do. He said the 1st question was general but the 2nd question was more relevant to My situation. Does this give Me good chances of winning? Plus the fact I had just gotten released form a 7 day stay in a mental hospital about a month in a half prior to My hearing day? My attorneys prepared everything over the course of appeals. Filing the appeals, medical records, etc. They pretty much did the foot work but at the last minute decided they did not want to take My ccase because I asked them to transfer it back to the city I had it transferred from (Which is where the law office is located. Because this would have been the 2nd transfer I asked for but I recently relocated to My home ttown. They said it was too close to the hearing and transferring it back here would more than likely affect the appointed hearing date. One of the last questions He asked was if I were provided with 8 to 10 hours of work would I do it (I had a total of 6 jobs stated on record from October 2014 to July 2015 and was not fired from either). I was also honest and let Him know it I don’t feel as though I do not enjoy the work I do I simply can’t do it. What are My chances of approval? I was just advised by the hearing office that the decision is out if writing and in the mail. Also I will not have to pay a lawyer fee no correct? If I am approved that is? Please let Me know your opinion I would love to hear it!
      Thanks,
      Jordan

      • Kay Derochie

        Dear Jordan,

        The fact that the vocational expert testified that you cannot perform occupations with your claimed limitations and also that you had a recent hospitalization are in your favor. As far as paying the attorney, you may need to pay a reduced fee for the services the law firm performed, which as you said was to essentially prepare your appeal for you.

        Sincerely,
        Kay

  • michael

    Is the FMB for disability the amount it tells you on your most recent ssd statement ? Where it says “total family benefit cannot be more than xxxx.xx amount?

    • Kay Derochie

      Dear Michael,

      Yes, that is an estimated family maximum benefit. It is just an estimate, but it will give you some idea.

      Sincerely,
      Kay

  • shan

    Hey Kay,
    i was recently approved for ssdi…here are the numbers i was given:
    Disability
    If you become disabled right now your estimated payment would be:
    $897 a month
    If you get retirement or disability benefits, your spouse and children also may qualify for benefits.
    Survivors
    You have enough credits for your family to qualify for survivor benefits. If you die this year, certain members of your family may be eligible for these benefits:
    Your child:
    $699 a month

    Your total family benefits cannot be more than $1,399 a month.
    I have 3 kids can you tell me what the amount would be..I am thinking it would be like $500 divided by 3

    • Kay Derochie

      Dear Shan,

      You are right, each of your children would receive one-third of $502 if the estimate is exactly correct.

      Sincerely,
      Kay

      • michael

        That’s not true because for disability they only give 50% of your pia its capped at 1.50 * PIA!!!!

  • edith

    I received a call yesterday from the payment center in Kansas City Missouri asking if my account numbers and routing number were correct and I said yes. I was wondering how long it would be before I start receiving any back pay or benfits

    • Kay Derochie

      Dear Edith,

      I would say that the payment center is about to release payment, so you will probably receive payment within one to two weeks. You can start now checking your account every couple days.

      Sincerely,
      Kay

      • edith

        No back pay yet or no awards letter

        • Kay Derochie

          Dear Edith,

          As I indicated in my response of August 3, I suggest that you contact Social Security for an explanation of the payments you have received.

          Sincerely,
          Kay

          • edith

            never have received any thing yet

  • amanda carrillo-rivera

    Hi I have a question. I won my case a little over a year ago and have been getting my monthly ssdi checks and most of my back pay. However social security held back some money to pay my representative. But haven’t as of this time. My question is I spoke to my representative and they contacted the payment center for social security and where told that they would do what they needed to then hand it over to the nation to send out. And that it would be done in 30 days. How accurate are they when they say this? Thanks for your time.

    • Kay Derochie

      Dear Amanda,

      I assume that you meant that the payment center would communicate to the Treasury (nation?) to send the payment. I can’t say how accurate the thirty-day time frame is. Presumably, the payment-center authorizer has the intention of getting the work done within the time quoted.

      Sincerely,
      Kay

  • brandi

    If I receive SSI and SSDI and my child’s dad died and he gets that SSI will that affect mine to go down?

    • Kay Derochie

      Dear Brandi,

      If you have correctly named the benefits involved, your child’s father’s death will not affect your SSI or SSDI. Your child may be eligible for survivor benefits on his father’s earnings record. If so, his Social Security survivor benefits will cause a reduction his SSI, but he may end up with more income overall.

      Sincerely,
      Kay

      • William rainer

        Hi I am 40 years old I’m trying to file disability because I am no longer able to work due to my pain are there different types of disability I would like to go back to school and find a different Trade while on disability and get off is that possible

        • William rainer

          Are student loans forgiven once you get approved for disability

          • Kay Derochie

            Dear William,

            Under some circumstances, yes, federal student loans are forgiven if a person is permanently disabled. For more information contact your student-loan lender.

            Sincerely,
            Kay

        • Kay Derochie

          Dear William,

          The Social Security Administration administers two disability programs–SSDI and Supplemental Security Income (SSI). The two programs have the same definition of disability for adults. You can read about the difference between the two programs under the “SSI” tab on the navigation bar of this website. Information about Social Security’s definition of disability can be found under the “SSD Basic Facts” tab.

          You can apply for Social Security Disability (SSDI) and apply for services with your state’s Department of Vocational Rehabilitation at the same time. If you do not qualify for state services and you are approved for SSDI, you may be able to access private vocational rehabilitation and other return-to-work services through Social Security’s Ticket to Work. Read more about return-to-work incentives in Social Security’s Red Book, available in local offices and online at http://www.ssa.gov.

          Sincerely,
          Kay

  • Glinda Bailey

    My 55 year old husband has just been approved for ssdi He was hurt in 2009 and hasn’t worked since then. He was turned down several times over the period…mainly because he thought he would be able to go to work and didn’t keep up with dr. records. Anyway the lawyer advised us to go apply again and we did and since my husband has hbp/cholesterol/and diabetes with keoacidosis and has been in hospital ICU for 8 days this last time last Apr and in hospital 3 times the year before, he got approved this time He is 55 has not worked since 2009, I am 69 and was retired after 17 yrs and I get ssi I get 1110 a month and a 66 dollar retirement check. now the lawyer told me I made too much money he is in a free clinic for now which provides the insulin 3 shots a day and the other 6 or 7 meds we only have to pay $20 for the insulin we do get EBT amt of $178 a month if we didn’t we could not eat. Our rent is $585 a month and some months there’s not anything left and I have to borrow a little and I hate doing that. Was told if we were separated or divorced he would have not trouble. I do not want to separate or divorce we need to take care of each other since I have pps diabetes and other stuff wrong and I can’t get around very good. What is your take on this and since he’s been approved could the amt I get affect him getting anything we lost our home, pool, and one car because of all this waiting If you can please give me some insight oh and the last judge that approved said he would not get any back pay before Dec 10, 2014 when he turned 55 how much does a lawyer usually get, since we started over in 2013. Thank you very much.

    • Kay Derochie

      Dear Glinda,

      If your husband was approved for Social Security Disability (SSDI), not Supplemental Security Income (SSI), your Social Security and retirement will not have any effect on his benefits. The attorney usually is paid 25% of back pay capped at a maximum of $6,000. If the disability date established is December 10, 2014, your husband’s SSDI will begin to accrue June 2015, after the five-month, unpaid waiting period.

      Sincerely,
      Kay

      • Glinda Bailey

        Kay thank you for your reply it is ssi that he was approved for God bless

        • Kay Derochie

          You are welcome, Glinda.

  • Tyrone Williams

    Hi my name is Tyrone Williams I’m 31 years old and recently filed for disability now my job retired me I got approved for as disability do it really take 60 days to calculate or will it be faster.

    • Tyrone Williams

      Ssi disability I was approved for

    • Kay Derochie

      Dear Tyrone,

      If you were approved for Supplemental Security Income (SSI) disability, it takes from a couple weeks to a month or more for payment to start. If you were approved for Social Security Disability, it more typically takes one to three months.

      Sincerely,
      Kay

  • kellie

    My husband and I are serperated. He is waiting for his disability which should be around 900 a month. we have one child together and one on the way. I was told that my children are eligible for bennifits. Is this true? how much would they get? also am I eligible for bennifits? would any of that change once we are divorced? would any of that change if we got back together?

    • kellie

      also would the ammount my husband gets change if his kids are recieving bennifits?

      • Kay Derochie

        Dear Kellie,

        No, children’s dependent benefits do not reduce the disabled worker’s benefit.

        Sincerely,
        Kay

    • Kay Derochie

      Dear Kellie,

      To find out whether your children will be eligible for benefits and how much, compare your husband’s benefit with his family maximum benefit (FMB). If the FMB is more than his benefit, the difference will be split among your children.

      You could be eligible for young wife’s based on having the children in your care if you are not working and earning too much. (Right now there is a one-dollar reduction in annual benefits for each two dollars you earn over $15,480.) It is likely that if you receive benefits, your children’s benefits will be reduced due the maximum the family can be paid. Divorce will not affect your children’s benefits. If you have been married at least ten years when you divorce, any benefits payable to you would not be affected.

      Sincerely,
      Kay

  • Sissy

    Dear Kay,

    I have applied for SSI and SSDI due to me having seizures, depression, anxiety, and sleep apnea. I was recently denied Due to not being disabled under their rules. The type of seizures I have are generalized seizures absence, myoclonic, and clinic seizures. I have seizures almost every day I even had an episode when I went for my initial interview for the application. I have lost every job I’ve had due to my seizures. My doctor has stated for me not to work or drive and has had my license revoked by reporting me to the DMV. I’ve explained to her that I need to work because I have 6 children under age she understands however she wants me to get plenty of rest. Every month she increase my meds. I can’t go out and about very long because it does put stress on my body. I have friends and family that help me do and take care of my kids. But how am I suppose to do for my kids, if that is why I turned to SSA to begin with. The denial letter also states that they do not have sufficient vocational information to determine whether you can perform any of your past relevant work. However, based on the evidence in file, we have determined that you can adjust to other work. This doest make since to me because I’ve adjusted work every time I’m fired due to seizures. Ive work from factories, retail, server, to CSR, to working at home. Can you shed some light as to why I was denied and tips for my reconsideration?

    • Kay Derochie

      Dear Sissy,

      I suggest that you file an appeal with the assistance of an experienced Social Security attorney. When you hire a Social Security attorney, 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 the retroactive award at the time they send your back pay to you. So, it’s all very easy and risk-free.

      To help with the appeal, I suggest that you complete an SSA-3369 (available online or from a Social Security office) and very carefully complete the form describing the type of work you did and the reason for leaving each job. Also be sure to tell your attorney that you kept trying different kinds of work thinking you would be able to do them and could not.

      Sincerely,
      Kay

  • Brandy Strickland

    I’m 27 and I’ve suffered from scoliosis, depression, anxiety and ADD since middle school. I’m married and I have 3 small children (if that makes any difference). I have had 6 different jobs since the age of 16(at different times) up until 2013. 2012 I was fired from a job because I was unable to go in when needed due to pain. 2013 I had to quit a job because of the constant pain. I’ve worked as a maid, waitress, quality inspector and in fast food. My question is, will I be qualified and approves for disability? I did research online and from what I read I would qualify to apply but being that I’m only 27 I’m unsure if it would even be worth it.

    • Brandy Strickland

      P.S. I live in South Carolina.

    • Kay Derochie

      Dear Brandy,

      I can’t tell whether you are disabled according to Social Security law or not. At your age, you have to be disabled from all occupations that you have the skills and education to perform. Claims based primarily on pain are not easy to prove. That said, the only way to find out is to file a claim. If you are denied and decide to appeal, I recommend obtaining a Social Security attorney to prepare the appeal. Most attorneys take claims on a contingency basis being paid only if you are approved.

      Sincerely,
      Kay

  • Ricardo Chin

    Kay,
    I am 39 years old and I fractured my spine at work, my doctor told me I could not return to my previous occupation as a general maintainance worker ( lumping, electrical, welding and HVAC ) I can’t lift over 10 pounds, I can’t bend,I can’t sit for to long,I can’t stand for to long. I just started applying for accidental disability pension which I will receive 72.7% of my salary. Can I also qualify for social security disability?

    • Kay Derochie

      Dear Ricardo,

      If you cannot work in other occupations because you do not have transferable skills for other occupations, you will be medically approved. I recommend that you apply to get a decision. If you are approved, depending on the source of your “accidental disability pension,” the Social Security might be reduced.

      Given your young age, at the same time you might contact your state’s department of vocational rehabilitation to see whether you could be trained for work that would allow you to change positions frequently and meet any other limitations you have.

      Sincerely,
      Kay

  • Stacey Autote

    Hi. I have been on disabilility since my 30th bday. It is going to be my 47th bday and I barely get $750.00 a month. When I am switched to retirement will the mount stay the same? Is there any chance it can increase?

    • Kay Derochie

      Dear Stacey,

      Please provide some additional information so that I can respond. Are you receiving Social Security Disability (SSDI) or Supplemental Security Income (SSI)? If you are not receiving SSDI, were you denied only because you did not have enough recent work, that is, were you told you have worked enough to receive Social Security retirement?

      Sincerely,
      Kay

  • Wendy

    My husband gets disability benefits because he is blind. We have primary custody of a child who is 21 months old can he be added to my husband’s social security?

    • Kay Derochie

      Dear Wendy,

      Please provide a bit more information so that I can respond. What kind of disability benefits does your husband receive? Social Security Disability (SSDI) or Supplemental Security Income (SSI)? Is the child his child or a stepchild?

      Sincerely,
      Kay

      • Wendy

        My husband gets SSDI his is blind, the child is not related to us at all. We took his mom in when she was 16 and pregnant and when the baby was 17 months old she told us she didn’t want the baby and she moved out leaving him with us. We go to court this month and she will be giving us primary custody of him.

        • Kay Derochie

          Dear Wendy,

          The child you are caring for and for whom you will soon have legal custody is not eligible for Social Security dependent benefits on your husband’s earnings record.

          Sincerely,
          Kay

  • carrie

    Kay,
    I am 44 years old and was diagnosed with major depression, fatigue, fibromyalga and carpal tunnel syndrome 5 years ago. Before 5 years ago I was able to maintain full time employment although I’m surprised I wasn’t fired for attendance issues due to my depression and the daily struggle just to get out of bed every morning. My doctor has put me on 6 different anti depression medications and none of them have worked for me. In the past 5 years since my diagnosis I have worked 4 different jobs…I have left those jobs because I couldn’t handle working with my depression issues. I was unemployed from April 2013 to February 2015 and I spent that entire time in bed with severe depression. Since I became employed again this past February I have already missed a total of about 15 days of work due to my depression. I feel as though I cannot maintain a job with my depression and I’m wondering if I should now consult an attorney and file for SSDI. Will having a lawyer from the very start increase my chances of getting approved in a timely manner? Most of what I have read and heard from people they all have waited for 2 years or more to finally get approved. Why does it seem to take so long?

    • Kay Derochie

      Dear Carrie,

      If you have to stop working because of your health and file a claim, list your April 2013 cease work date as your date of disability and show the current job as an unsuccessful work attempt. Provide specifics on why you either left or lost the previous four jobs and information about medication failures. Get statements from people who know that you spent most of your time in bed and submit records that show the medication failures and perhaps prescription printouts from your pharmacy. Get statements about what employers observed if you had noticeable symptoms on the jobs that you left. If you do not get an attorney now, be sure to get one right away if you are denied. Initial denial and multiple appeals are the reason that some claims pend a long time.

      You can reach a knowledgeable Social Security attorney by completing the online form on this page to request a free Benefits Evaluation from Disability Advisor. When you hire a Social Security attorney, 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 the retroactive award at the time they send your back pay to you. So, it’s all very easy and risk-free.

      Sincerely,
      Kay

  • Donna Canfield

    I have just been through a brutal divorce – I have 3 daughters – 1 under age 18. My ex was an attorney making over 220k/yr – he now refuses to work. He claims he’s disabled with depression. After 3 years of divorce proceedings, our case ended with my ex walking away paying no child support – yet it was never proven he was disabled. I suspect he’s trying to get SS and if he does how will I ever know? I desperately need child support – which would come out of his SS payment.
    Thank you very much for any information you can give me.

    Donna

    • Kay Derochie

      Dear Donna,

      If your ex-husband receives Social Security, dependent benefits will be paid in addition to his benefit, not out of it. If you have his Social Security number, you can periodically go to Social Security to apply for benefits for your minor child. If he has not been approved as yet, you will be told.

      Sincerely,
      Kay

  • tiffany

    Hi Kay
    my husband receives $800 a mth in benefits & our 2 kids only receive $17 a piece he moved out last month & I was wondering will the kids benefit amount increase now that he’s moved out since his income is not in the family anymore
    thanks in advance

    • Kay Derochie

      Dear Tiffany,

      Your children’s Social Security dependents benefits are based on your husband’s earnings record, not on the family’s living arrangement; therefore, their benefits will not increase because their father moved out.

      Sincerely,
      Kay

  • Cheryl

    Hi Kay
    This is what my statement says now
    You have earned enough credits to qualify for benefits. If you became disabled right now
    your payment would be about
    $784 a month
    *Family
    If you get retirement or disability benefits, your spouse and children also may qualify for benefits.
    Your child
    $599 a month
    Your spouse who is caring for your child
    $599 a month
    Your spouse, if benefits start at full retirement age
    $799 a month
    Total family benefits cannot be more than
    $1,199 a month
    does this mean my twins will get $415.00 (or 207.50 each)a month and i will get $784.00? to total $1199.00?

    • Kay Derochie

      Dear Cheryl,

      Your two children would split the difference between $1,199 and $784.00; that is, they would each receive $207.50, rounded down to $207.00.

      Sincerely,
      Kay

      • Amy Smith

        Hi
        I have 3 children receiving money from my disability. If one of them ages out next month does the monetary amt remain the same and then get divided between the remaining two children or does the amt my eldest child receives just end?
        Thanks,
        Amy

        • Kay Derochie

          Dear Amy,

          The three children’s benefits will be divided between the two under-age children up to an amount equal to 50% of your benefit for each of them. In other words, if dividing the family’s dependent benefits between two children would result in a benefit for each higher than half of yours, the benefit would be limited to the 50% each.

          Sincerely,
          Kay

      • Michael

        hi my name is Michael, I was wondering if I’ve been with my woman for 3 years but we are not married we also got a son who is about to be 2 years old and I get $733.00 a month from SSI, I’ve been disabled since 1997 and I am 30 years old, how much as a family we will receive?

        P.s.
        please help me out

        • Kay Derochie

          Dear Michael,

          Supplemental Security Income (SSI) does not pay family benefits.

          Sincerely,
          Kay

  • Erin

    My husband was recently approved for Social Security Disability payments. He will be receiving $901 per month and it is retroactive to 5 months after the onset date of his disability. We are now in the process of applying the children for children’s benefits, based on his Disability payments. Everywhere I have researched, it shows that the children should be eligible for up to 50% of the disabled parent’s Primary Insurance Amount (of 901.40, I believe), up to a maximum of 150-180% of his PMI per family. We have three children, but we were told that the children will only be given $71 per month due to the family maximum. How are they calculating these child benefits? It seems like each child should be eligible for appr $150 for a total of $450 in child’s benefits, which is 50% of my husband’s monthly benefit. I am very confused and am wondering if we should ask them to recalculate.

    • Erin

      I forgot to say that my husband is 30 years old, and all three of our children are ages 5 and under. He has 15 working years on his earnings record.

    • Kay Derochie

      Dear Erin,

      The percentages that you reference are the most typical ranges, but they require a higher earnings history than your husband at his relatively young age had at the point he became disabled. Because his benefit is relatively low, the family maximum is also low resulting in the children receiving an amount less than half of their father’s benefit.

      Sincerely,
      Kay

      • Erin

        Thanks Kay! I wondered if that had something to do with it. Hopefully, his condition will improve sometime down the line and he will be able to get back into the workforce! At this point, the doctors have no definitive diagnosis for why the entire right side of his body is numb and usually unable to move.

        • Kay Derochie

          You are welcome, Erin.

  • Cheryl

    I’m 43 with heart problems, limb pain which is hard to walk drive and sit same place for long period of time , many different doctors and treatment for a number of problems. My doctor suggested to apply for disability so I applied for temp disability which was denied on 9/2013 my doctor will not allow me to return to work she suggested to get a lawyer, so my lawyer applied for permanent disability on 4/2015 i have twins that are 11 yrs old and 18yr old still in high school my husband works makes about 90k a year, my number disappeared since i have applied i didn’t make a lot of money when i worked, paid in maybe 9k to ss and employers paid in 7k to ss. Want to know what my monthly payments would be approx.. my husband has paid in ss for 30 plus years do i drawl from his ss? Also will i be retro-ed back to from the time i applied in 2013? And how long does this take still have not went to any doctors for ss.

    • Kay Derochie

      Dear Cheryl,

      You were apparently insured for Social Security Disability or your claim would be under medical review. I cannot give you an estimated benefit, but apparently you saw an estimate in your Social Security record before you filed your claim. If so, you can use that amount as an estimate. If a wife’s benefit on your husband’s earnings record would be more than your own disability benefit, you can draw wife’s benefits when when your husband starts to receive Social Security retirement or disability benefits and you are at least age sixty-two.

      Sincerely,
      Kay

      • Cheryl

        ok and thank you.. the number was 1285.00 max monthly for family i think.. I have a paper they mailed a few years ago that say max monthly amount. How long do i have to wait to after I file to start getting SS? How do I know if its under medical review? I have not received any other paper work from SS. All they stated a few weeks ago is they had everything from my doctors. How long do they retro back from time I applied for temp (when i was denied) or from the time the lawyer applied for permanent?

        • Kay Derochie

          Dear Cheryl,

          You can call to ask the status of the medical review, which is probably still in progress.A maximum benefit for the family is usually higher than your own benefit, so you benefit if approved is likely less than $1,285.

          If your lawyer appealed the claim you filed and you are approved, you will be paid based on the claim you filed. If you did not appeal and the lawyer filed a new claim, benefits will be paid based on the new claim. Social Security disability benefits begin the later of the sixth full calendar month of disability or twelve months before application.

          Sincerely,
          Kay

          • Cheryl

            Hi Kay,

            And ty for answering questions of course the max benefit for family was a paper i located from 2009 I still have to small children 11yr twins so would hope that i was able to get max for children and myself. I applied for temp disability in 2013, it was denied. At which point a lawyer applied for permanent disability on 4/2015 how do i know if it is a new claim? so im not sure when it should go back too?

            • Kay Derochie

              Dear Cheryl,

              The April 2015 claim is probably a new claim. All you have to do is ask your attorney to know for sure.

              Sincerely,
              Kay

          • Cheryl

            If i applied for temp disability and was denied but approved for permanent SSD, do they retro back from that date when i original applied for either? I was denied on 9/2013 applied for permanent on 3/2015 and still have not heard any information?

            • Kay Derochie

              Dear Cheryl,

              I am not sure what you mean by “temporary disability” in the context of Social Security Disability (SSD) benefits. However, if you did not appeal the 2013 claim and filed a new claim in 2015, your benefits, if you are approved, will be paid based on the 2015 claim. Benefits will begin to accrue the later of the sixth full-calendar month of established disability or March 2014, twelve months before your application.

              Sincerely,
              Kay

          • Cheryl

            Hi Kay
            Here we are 16 months later now, still no letter or court date for law judge. I was told court for law judge was taken between 15-18 months and i would get a letter with court date I have not worked since 2013 bills are so tight and barley making it. House is coming up on foreclose. Im not sure what else to do. I feel like this is really taken for ever its stressing me so much last time we talked my twins were 11 now 13yrs old and still no answers other then wait for law judge court date. I spoke with them last week. I was never was told that i needed a lawyer but she stated make sure me or my attorney have all updated medical exams testing and treatment , I cant afford to pay attorney with NO INCOME. Not sure what i should be doing.

            • Kay Derochie

              Dear Cheryl,

              I suggest that you hire an experienced Social Security attorney to assist with your appeal. When you hire a Social Security attorney, 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 the retroactive award before they send your back pay to you.

              To find out how much time you may have to gather and submit updated medical information before you hearing date, you can look up up your hearing office at https://www.ssa.gov/appeals/DataSets/01_NetStat_Report.html to see average wait times for your hearing office.

              You can also submit a dire-need statement to the hearing office based on your house being near foreclosure. The statement could speed things up a little.

              I suggest that you also communicate with the mortgage holder to let them know that you are pursuing other income and that if you are approved, you will be able to bring the back payments current. With that information, they might hold off a little longer. Also, in most states if your house is foreclosed upon, you have a period of time, usually six months to bring the payments current and get the house back.

              Sincerely,
              Kay

  • Joe

    I am a gainfully employed 56 yo male. My wife is 52 and disabled and has applied for SS disability. We have been married 30+ years. She has worked enough to quality on her own. The hearing has been completed and we are awaiting a decision.
    How are benefits calculated? Is my income factored in? What will happen when she reaches full retirement age ?

    • Kay Derochie

      Dear Joe,

      Your income is not considered in determining your wife’s Social Security Disability (SSDI) eligibility or benefit amount. When she reaches full retirement age, if she is still disabled at that time and receiving benefits, her benefits will continue in the same amount.

      Sincerely,
      Kay

  • I have been divorced from my ex husband for 4 years but I had already been awarded my disability for a year and a half we were married for 28 years and were a military family me following him. I was wondering if I would be eligible for more money under his account. he is now retired from the military and VA disabled. I am 52

    • Kay Derochie

      Dear Napplie,

      Your ex-husband has to be receiving either Social Security Disability or Social Security Retirement for you to receive Social Security divorced spouse’s benefits on his account and you have to be age sixty-two. Then, if your spouse’s benefit is more than your disability benefit, you could receive benefits from his account, though it might be to your advantage to wait until you could get unreduced divorced spouse’s benefits at full retirement age, which is age sixty-seven for individuals born 1960 or later.

      Sincerely,
      Kay

      Sincerely,
      Kay

  • NeeCee

    .. and with the “claimant’s date last insured 12/2016”, does this mean that I at this point; I would have no future SSDI benefits available.
    thanks again!!

    • Kay Derochie

      Dear NeeCee,

      The date regarding your insured status signifies that you had enough work to be insured in 2012 when you became disabled. Benefits continue as long as you are disabled.

      Sincerely,
      Kay

  • NeeCee

    Hi, I so appreciate your time to answer these posts. Thank You!! I’m sure that I can find the answers I seek in prior posts, but I’m just getting confused (part of the reasons why I cannot do the work I used to), so here is my question: With last date of work 8/2012..dates of applications for SSD 9/2012 and SSI 11/2012. I was denied on 3/2013, Recently approved via judge with the date of disability 8/2012. I have received the Fully Favorable letter from judge, attorney tells me I will get payment info from the 2 different agencies regarding payment information including any further info they may need from me. QUESTION: Please if you can, tell me what in my case is the back pay calculated from (the dates)…
    thank you

    • Kay Derochie

      Dear NeeCee,

      You will receive Social Security Disability (SSDI) and Supplemental Security Income (SSI) award letters. Your SSDI will begin to accrue February 2013. Your SSI will begin to accrue December 2012. SSI is paid first by the local office.The SSDI, which is paid by the central payment center, will be reduced by the SSI for months in which you were eligible for both.

      Sincerely,
      Kay

  • Duane

    My wife’s sister receives benefits as a Disabled Adult Child, and she also receives benefits based on her own work record. She has two children who receive benefits based on her work record, but those benefits are reduced because of a low Maximum Family Benefit. Is this family entitled to a Combined Family Maximum because the mother is also receiving child benefits?

    • Kay Derochie

      Dear Duane,

      The children are eligible for a combined family maximum (benefits drawn from two worker’s earnings records) only if their father and mother are both either deceased or receiving Social Security benefits on their own earnings records.

      Sincerely,
      Kay

  • Pam

    Hi, my husband receives SSDI on the third Wednesday of the month. My son, who Is disabled was receiving ssi on the first of the month and will now receive disabled adult child benefits. My question is what day of the month will he be paid?

    • Kay Derochie

      Dear Pam,

      Your son may receive his benefits the same day as your husband. If not, the Wednesday of the month on which he receives benefits will be based on his birthday. If he was born between the 1st and the 10th, he would receive his benefit on the second Wednesday of the month; between the 11th and the 20th, on the third Wednesday of the month; or between the 21st and the 31st, the last Wednesday.

      Sincerely,
      Kay

  • I am 57 years old and have worked the same job for over 15 years My diagnosis is Neuropathy, Osteoarthritits, Carpal Tunnel Bi-Lateral Lifetime, DJD I would like your opinion; What do you think my chances are at getting a favorable approvable for SSD, They are currently working on the medical and have not made a decision yet. also ssd said that my application is insured starting Oct. 2014 what does that mean

    • Kay Derochie

      Dear Denise,

      You do not way what kind of job you had or what work history you had before the most recent job, so the information I can provide is limited. If you are unable to perform work you have done in the past and are unable to work in a different occupation (your age of being over fifty is taken into consideration in determining your ability to succeed in a new occupation), your claim will be approved.

      To be eligible for Social Security Disability, you must be both currently and fully insured. If you have worked steadily for the past fifteen years, I would expected you to have become insured before December 2014. I thought perhaps you meant to say that you were last insured in October 2014, but that doesn’t seem to right either if you have been working during the last fifteen years. Perhaps if you give me more information such as the date you last worked and whether you worked off and on, I could better respond to your insured status inquiry.

      Sincerely,
      Kay

  • Husband died june16,2004 didn’t receive any money until 2007 didnt know iwas able to get any benfits no one told me so iwas wondering if there’s any way ican get back pay from the six months and the year2005_2006 istarted receive it in2007 my question is what to the benfits

    • Kay Derochie

      Dear Lela,

      Retroactive pay for dependents and survivors is limited to six months prior to the date of application, so it is unlikely that you can receive benefits any earlier than that. If you began receiving widow’s benefits prior to your full retirement age, your benefit is higher than it would have been had you applied at a younger age in 2004.

      Sincerely,
      Kay

  • janice preece

    i applied for disability 2 years ago and now waiting on my second hearing, the first one i got denied. my question is my husband filed in november for his disability if he gets approved before me will i get a check off of his and also our 18 year old daughter who is still in school?

    • Kay Derochie

      Dear Janice,

      If your husband is approved, your daughter can receive benefits while under age nineteen and still in high school. Assuming you are under age sixty-two, you are not eligible for benefits on his account because you do not have a child under age sixteen in your care. If you are approved for Social Security Disability, your daughter may be eligible on both her parents’ accounts

      Sincerely,
      Kay

  • Tiffany

    I recently got a decision from an administrative law judge that I have been disabled since my 18th birthday and was approved for Adult Child Disability. Since then, they have sent my mom a letter saying her benefits are being cut. Are the two things related? I’m only getting around $900 a month from SSDI starting in May, and its not even enough to live on but I don’t want my mom to suffer either. I was getting SSI straight for a little over 500 a month, but if I have to pay my mom then this whole four year battle will have been for nothing.
    Advice?

    • Kay Derochie

      Dear Tiffany,

      If your mother is receiving dependent or survivor benefits on your father’s earnings record and you were approved on the same record, it is correct that the maximum payable on the account will be split between you and your mother and could cause her benefits to go down. Now that you have been approved for Social Security Disabled Adult Child benefits, you cannot refuse them and go back on SSI because the SSI program requires you to pursue all other benefits available including Social Security benefits.

      Sincerely,
      Kay

      • Tiffany

        That’s the weird thing is that my dad is still living, they are still married but his benefits did not go down. When I applied, they told me my disability would be on my dad’s earning record. Both my parents get retirement ssi on their own earning records. They want me to call ssi and have them stop payments to me until they “figure it out” but I’m trying to get out of their house so I don’t want to stop my benefits but I also don’t want them more mad at me for their money getting taken.

        • Kay Derochie

          Dear Tiffany,

          Dependent benefits do not lower the workers’ benefits; they are paid in addition to . Your parents’ Social Security (not SSI) retirement benefits will not go down because you are entitled to receive benefits on their accounts; dependent benefits are paid in addition to the workers’ primary benefits. You can apply on their accounts without affecting them.

          Sincerely,
          Kay

  • Thor

    Hi Kay,

    First of all–I really appreciate you answering all these questions. It has helped me immensely.

    I consider myself pretty knowledgeable about the disability process, as it took over two years from my application date (August 2012) for approval (finally had an ALJ hearing in September 2014 that ruled in my favor.)

    However, I continue to find out new information that contradicts past information, most of which was given to me by my attorney and wildly inept SSA employees. It seems my case isn’t as common as others because I applied for Adult Child’s Benefits and I am 27, and was approved as the judge ruled that my disability started at age 14, therefore entitling me to 12 months benefits prior to application date. (Side note: I was only able to apply for these benefits, SSDI, rather than SSI as my mother has been disabled since 2009, and I have not earned enough quarters because of my disability.)

    Because you seem to be extremely knowledgeable, I’m looking for ANY advice or information or input you can offer, though I realize you have to be careful as you are not my attorney or the SSA and I understand that, but would really appreciate a knowledgeable person, and that’s you! Here’s where I’m stuck:

    My application date was August 2012. Upon denial a couple months later, I started receiving direct deposit SSI benefits in November 2012, which was a surprise, but I am told that is happening fairly frequently now. I then appealed the unfavorable decision in late 2012, and was denied again in early 2013. Knowing that this is typical, I made my last appeal and was finally given a court date with an ALJ judge in September of 2014, about a year and a half later (oy vey–while my disability prevents me from doing so much, I feel for those who have nobody to care for them. I was homeless for four months last year, but I am still capable of fighting and surviving. It does seem like the system is made so that the weak, elderly, and the disabled die off, and quietly.)

    Moving along…ALJ date was early September 2014. Disability approved two months later, in November of 2014. Since December of 2014, I have been receiving a small amount of SSDI ($400) and also $100 in SSI, but the SSI was reduced because of the SSDI. However, Medicare is deducted from this amount, so I am really only getting about $290 on SSDI and the $100 on SSI. Which is ridiculous, as before I was receiving $490 on SSI. So, in theory, it seems I went through this whole process to have a REDUCTION in benefits. I do hear there are state programs (QNB?) that can cover the cost of Medicare premiums and prescription coverage so that I receive my full amount of SSDI, $400. My attorney estimated I would be receiving $1600/month, and it’s a shame because I am once again homeless and thought this could be my chance to try to have a normal, stable life with safe housing, living with my disability but not letting it define me. My attorney too is inept and clearly provided very wrong information that was very damaging to my mental state and sent me into a downward spiral. (At this point I’m so used to things going wrong and taking so much time, I just laugh at the absurdity of my existence and hope for the best.)

    Now Kay, my real problem: I have seen no retroactive benefits. No backpay. Nada. My attorney was paid two months ago, in January of 2015. Because there is an SSI offset of the SSI I have received from November 2012-present, I do realize it takes a lot longer as the systems don’t “talk” to each other well and inputting anything in the system delays everything by like a month, and there was an error in my award letter, which I received in January of 2015.

    Should I be expecting retroactive benefits 12 months prior to application date? I was not receiving SSI during this time, and my disability onset date is stated as 2002. I am assuming that yes, I am entitled to benefits here, but am confused why I still haven’t seen this money, nearly seven months later.

    I also realize that my attorney receives 25% of my backpay. Does this 25% that he receives include retroactive benefits, or only backpay? If I am entitled to benefits from August 2011, but was receiving SSI from August 2012-present, do you know a computation that exists to compute what I should be owed? When is the beginning and the cutoff for their 25%? Is their cutoff the date of the ALJ hearing? The first time I received my SSDI benefit…? I just hope that I am entitled to SOMETHING as I am struggling a lot and my attorney initially told me I would receive about $45,000. Ha. Ha.

    And I don’t understand the 25% formula…is this percentage taken out as a whole, based on the sum of what I am entitled to? I just hope that that one year of retroactive benefits isn’t the 25%-ish that my attorney gets, leaving me with nothing. From August 2011 (12 months prior to app date) to September 2014 (hearing) is about three years…

    And because the SSI I was receiving from August 2012-November 2014 was higher than my SSDI amount…is there going to be a deduction after they calculate the retroactive benefits and backpay?

    Did I go through all of this to basically get a reduction in benefits?

    I am not receiving 50% of what my mother receives in disability. I thought this was supposed to be the case? I receive about 35%-40%, and a little in SSI. I would ideally like to see it all on SSDI as that is a constant and does not fluctuate. But today I spoke with an SSA employee who mentioned something about “family maximum” and I hadn’t heard that before until I stumbled on this page. But then I am told there is a monthly maximum of $733 on SSI and I’m curious how I can get up to that amount? Yikes, it’s all so confusing.

    In addition: If I do qualify for QNB (Part B) and Extra Help (Part D) on Medicaid in my state, are they able to reimburse me for the Medicare they have taken out each month since I have been entitled, almost two years now? I recently entered a new state and would like to be a resident here–I want to change my address and go to the local SSA office, but don’t want to screw up anything in the system or have a FURTHER reduction in benefits, for whatever reason. If I could get those Medicare payments reimbursed, that would be a few thousand bucks that could help me get a small apartment.

    Or if I had private insurance a couple years ago, but was now approved for Medicare, can I get those private insurance (BCBS) premiums reimbursed? Or does that open a whole new can of worms where Medicare & BCBS have to work with every doctor I saw to figure out how to pay them, which means I may owe money if Medicare didn’t cover the visit?

    I would ask my attorney these questions, but to be frank, I don’t trust him and he has been unresponsive ever since his firm received their payment. It disgusts me, but money money money, that’s our world.

    I know this is huge and long-winded Kay, but I just need to get it all out and pray that you’ll have a few answers. And maybe someone else reading this is going through a similar, complicated case that is taking so long and there never seem to be any answers and it leaves me feeling very hopeless and helpeless.

    Kay–thank you so much.

    • Kay Derochie

      Dear Thor,

      In most states, SSI eligibility automatically provides Medicaid eligibility with SSI approval; in other states, a separate application with a state office is required. Medicaid is administered by the states so your move may have interfered with smooth processing of Medicaid eligibility. If you are approved for Medicaid, it will pay your Medicare premiums for you. When you report your change of address to the Social Security Administration (SSA), ask them how to get Medicaid in your state. They may also be able to tell you whether Medicaid’s payment of the Medicare premium has any retroactivity. If they do not know, check with the Medicare and/or state Medicaid office to find out. You can also get information about Medicare at http://www.medicare.gov. Medicaid will not reimburse private insurance premiums.

      You will not receive any back pay for the months that you received SSI because your SSI is higher than your Social Security disabled adult child benefit. You are due Social Security retroactive benefits for up to twelve months prior to your application date, reduced by your attorney fees, which can be 25% of all past-due benefits up through the month before the first month for which a monthly benefit is paid. Go to your local office to change your address and to follow-up on the retroactive benefits. Ask the office to make an inquiry to the payment center. If you do not get the benefits within sixty days of the follow-up, contact your congressperson to make an inquiry.

      Moving state to state does not affect Social Security or federal SSI benefit amounts. If you were getting a SSI state supplemen,t the supplement could go up or down, but it is illegal to move and not report your change of address because your SSI payment is based in part on your living arrangements.) You are receiving a low amount of SSI apparently because you are receiving free food and/or shelter. When you start to pay for your own shelter and food or your shelter and pay for food with a SNAP (food stamp) card, your SSI benefit can go up to $353 (if your Social Security is exactly $400).

      With regard to the Social Security family maximum benefit (FMB), the amount of the FMB depends on the worker’s earnings history. It is possible for a dependent to receive an amount equal to 50% of the worker’s benefit if the worker earned a FMB high enough to allow it. If not, then the dependent receives the difference between the FMB and your mother’s gross benefit before taxes and Medicare premium reduction. If there were other dependents, you would have to share the dependent allowance under the FMB with those dependents. Should you outlive your mother and do not marry, you could receive 75% of her benefit upon her death if there are no other eligible survivors.

      Sincerely,
      Kay

      • Thor

        Can’t thank you enough Kay. You helped me tremendously. 🙂

        • Kay Derochie

          You are welcome, Thor.

  • Dan

    Can anyone tell me if the amount posted for me on the SSA website is accurate if I get approved for ssdi? I am a 50 year old male. I have heard it WS not.

    • Kay Derochie

      Dear Dan,

      The amount shown on a pending claim is an estimate only.

      Sincerely,
      Kay

  • JP

    Hello-
    I have a child who is mentally disabled. My wife cannot work bc she has to take care of him. I work and gross about 4600 per month. We are having a very tough time financially due to cost of therapy and medical bills? Would our child qualify for disability or do we earn to much?

    • Kay Derochie

      Dear JP,

      Your income is too high for Supplemental Security Income (SSI) for your child unless you have two other non-disabled minor children in your household or whom your are supporting with child support payments. If you do not have health insurance for your child, you might look into the Childhood Health Care Insurance Program (CHIP). You can get information about CHIP at http://www.healthcare.gov/medicaid-chip/childrens-health-insurance-program/

      Sincerely,
      Kay

  • GEORGE gilkes

    .iam 70 currently reeiving ss iam now totally disabled thru veterans administration.can i get ssdi

    • Kay Derochie

      Dear George,

      Social Security Disability (SSDI) is paid to individuals who become disabled prior to their full retirement age, which for someone now seventy years of age was age sixty-six. This means no SSDI is payable to you.
      If your Social Security and/or Veteran’s benefits are less than $753 a month combined and your assets are within the allowable limit, you may be eligible for Supplemental Security Income (SSI) based on age.

      Sincerely,
      Kay

      • Nathaniel Green

        Hi I get va benefits in I’m trying to get ssi. Can I get ssi with a income of 3,695.00 and will my three kids get a check as well, also I’m married.

        • Kay Derochie

          Dear Nathaniel,

          Your income will make you ineligible for SSI (Supplemental Security Income). If you have sufficient work credits and meet the medical criteria or are of retirement age, you can draw Social Security Disability (SSD) or Social Security retirement benefits. If your Social Security maximum family benefit is higher than your own benefit, dependent Social Security benefits will also be payable.

          Sincerely,
          Kay

  • Richard Osgood

    I was recently approved for SSDI and have since applied for benefits for my two minor children. I am the Representative Payee for them. My question is this, Is my ex wife entitled to anything the kids may receive and can she collect her own benefit since she is caring for my children. We have joint physical and legal custody of both children. Everything is basically 50/50.

    Thank you.

    • Kay Derochie

      Dear Richard,

      Only one person can serve as representative payee for your children at any given time. If your wife has primary physical custody (they spend more time with her), she should file to be payee for the children and receive their benefits.

      Whichever parent serves as payee, he or she should pass money to the other parent for food for the children when they visit the other parent. The same would be true if the non-payee parent buys clothing, school supplies or other things for the child. It would be best for the non-payee parent to sign a receipt for monies received with a list on the receipt of generally what it is to cover and give the payee parent receipts for any purchases other than food, which is likely to be shared. The receipts are so that the payee has documentation for the annual payee reports.

      Sincerely,
      Kay

  • lamont thompson

    Hi Kay
    I was awarded an SSDI payment amount of $1039 monthly but before I applied I looked on the website disability calculator and it said I would get $1700 monthly. What can I do about that?

    • Kay Derochie

      Dear Lamont,

      It is possible that you entered some incorrect information when you did the online calculation or noted the family maximum for you and your eligible dependents instead of just your amount. That said, you can file an appeal on the benefit calculation saying that you do not think that all your earnings were considered. Ask that you be given a statement of the earnings used so you can review it and also the date of birth they have on your claim record. (I don’t think you can get the earnings record on your own now that you have been approved, but you might try. Go to http://www.ssa.gov and set up a “My Social Security” account. Then request an earnings statement–not a benefit statement–if that choice is offered after approval.)

      Sincerely,
      Kay

  • Tricia

    Hi I just had my hearing and at the end of the hearing the judge asked tht VE if I could hold and maintain a full time job with having to miss 3-5 days a month for treatment along with my limitations.. The VE said no to this question so I was wondering if I will be approved?? After she answered the question the judge said she would let me know her decision in writing within 2-6 months??

    • Kay Derochie

      Dear Tricia,

      If the judge accepts that you have the limitations and treatment needs that you claim, your claim is likely to be approved. It is unusual for a judge to say it could take six months for a written decision, although sometimes it does.

      Sincerely,
      Kay

  • James

    I am in the process of an appeal. My question is if I am approved are my kids eligible for retro payments? Secondly, I have four small kids are they each eligible for 50% or is that a total for all 4? Thank you

    • Kay Derochie

      Dear James,

      Your children will be paid for every month you are eligible for payment. The amount your children will receive depends on your Primary Insurance Amount (PIA) and Family Maximum benefit (FMB), both of which are based on your past earnings. The total amount available for dependents is the difference between the PIA and the FMB. You can go to http://www.ssa.gov and set up a My Social Security account. Then request an earnings statement (not a benefit statement). It should show your estimated PIA (your disability benefit) and your FMB.

      Sincerely,
      Kay

  • Nicole

    My ex husband and I were married for 5 years. We have been divorced for almost 9 years. We have 2 minor children together and I am the custodial parent. He was just notified that he was approved for SSDI and the monthly amount is 2138.00. He did not add our 2 minor children to that, nor did he add his current wife (who does work), their minor daughter or his minor step son who lives with them. My attorney has requested him to add our 2 minor children immediately. I have a couple questions about this. How long will it take for my 2 minor children to get a check? 2nd, what would be the approx. amount my 2 children would receive from SSDI?

    • Kay Derochie

      Dear Nicole,

      First, if you have custody of your minor children, you can go to Social Security with your ex-husband’s Social Security number and apply for the children in your care. (Your ex’s current wife can do the same for the other minor child.) Take your children’s birth certificates and Social Security numbers. I can’t tell you the exact amount the children will be paid. If there were just one child, the benefit would $1,069. However, with three children, it will be less than that per child because of the family maximum benefit. When you file the application to be the children’s payee and to get benefits started, the representative should be able to tell you the amount based on three eligible children. Note that the children’s benefits do not reduce your ex’s benefits.

      Sincerely,
      Kay

      • Nicole

        Thank you for your quick response. If my 2 children do start to receive benefits and they receive 1069 a month, lets say, what happens if his current wife applies for her and the kids, will my childrens amount go down?

        • Kay Derochie

          Dear Nicole,

          If your two children receive the maximum dependent benefits available under the family maximum and the other child becomes entitled, your children’s benefits will be decreased because the maximum will be split among three dependents, not two. If the wife is entitled, the maximum will be split among four.

          Sincerely,
          Kay

          • Nicole

            Sorry Kay, for all the questions. This is all new to me! What determines if you receive 50% or 80% of the disability?

            • Kay Derochie

              Dear Nicole,

              The maximum dependent benefit for any one person is and amount equal to 50% of the disabled or retired worker’s benefit. (Survivor benefits’ maximum is 75%). If the family maximum is not high enough to pay the maximum to multiple dependents or survivors, then the amount available is divided among the number of eligible people. (Lower wage earners–not your ex–can have low family maximums so that less than 50% is payable when there is one dependent or even no dependent benefits.)

              Sincerely,
              Kay

  • Sue

    I am 60 and have been receiving disability benefits for 4 years for back problems. I have just initiated a trial work period to see if I can handle working again. I am 3 months into the 9 month trial and not sure at this point whether or not I will be able to tolerate the standing and walking on a long term basis. My question is – if I do end up giving up my disability benefits and continuing to work, is there any way to determine how much social security I will receive if I retire at 62, 65 and 70. The calculator on the government website won’t give me any figures, I assume because I am currently receiving disability. If it turns out I will have to work 9 more years until age 70 to receive the same amount I am currently receiving for disability that may be a factor in deciding whether to continue to attempt to work while still in considerable pain. Thank you for any help you may be able to give me.

    • Kay Derochie

      Dear Sue,

      The amount you are receiving in Social Security Disability (SSDI) benefits when you reach retirement is comparable to the amount that you will receive at full retirement age, which is age sixty-six if you were born in 1954 or sixty-six and two months if you were born in 1955. If you are earning more now than you were in some of the years used in your original disability benefit calculation, your working could raise your disability and retirement benefit.

      Sincerely,
      Kay

  • Abby

    dear kay my husband had his hearing on January 9 2015. He got approved

    • Kay Derochie

      Dear Abby,

      Thanks for the update.

      Sincerely,
      Kay

      • Abby

        How much longer does he has to wait to receive his first check?

  • Sandra

    My 14 year old son has some mental issues, he has had problems since he was about 3. Someone just told me he could qualify for disability. How do I go about getting him approved? How long will it take and how much will he qualify to get?

    • Kay Derochie

      Dear Sandra,

      The Social Security Administration (SSA) administers the Supplemental Security Income (SSI) program, which pays disability benefits to children if family income and assets are below certain limits. You can initiate an application by calling SSA at 1-800-772-1213 and requesting an appointment to apply for SSI for your child. You will need the child’s Social Security number when you make the call.

      Sincerely,
      Kay

  • Joann

    Dear Kay I applied for ssd due to a ongoing back problems I am 56 years old and had to take early retirement cant stand long or sit too long have tried epidurals with no relief . Surgery is not an option as I had a bad experience back in may2014 with a chest tumor. My CE was first week in December it has now been going on 5 weeks since my exam every time I check on my status it states working on medical portion of your claim what does this mean does it mean denial because it is taking too long Ive heard other people state that after a CE exam usually if your approved it takes around 3 weeks.

    • Kay Derochie

      Dear Joann,

      The information you have given does not indicate your claim is being denied. Consulting physicians have up to three weeks to make a report. Add to that the holidays when many people take vacation time and it is not surprising that you do not have a decision yet. If you haven’t heard in a month, you might check to see if they need anything else.

      Sincerely,
      Kay

  • mikki

    I receive ssdi. I have 3 young children . All 3 together only receive 24 % of my ssdi earnings. So broken down they receive 8% each . I was wondering why so little when everything I’ve read states that they should get up to 50% each which would be a big difference. Could anyone please tell me why they receive so little.

    • Kay Derochie

      Dear Mikki,

      The amount of dependent benefits depends on the amount your family maximum benefit, which in turn is based on work earnings. If your benefit is fairly low because your lifetime earnings were low, your children would not be eligible for the maximum dependent benefit. One other possibility is that you are receiving workers comp or have received a workers comp settlement in the past and your children’s benefits are being offset (reduced) because of the workers comp.

      Sincerely,
      Kay

  • Jamar

    I have a question. I’m disabled, I became disabled in 2010 when I was 19, and now I’m 23. I receive SSI for my disability, but I was wondering can I receive SSDI since I was disable before age 22, and also can I receive it on my mom’s record although she is still working(because she pays FICA taxes(Social security taxes))?

    P.s.: I’m also single.

    • Kay Derochie

      Dear Jamar,

      You cannot apply for Social Security disabled adult child benefits on your mother’s record because she is living and is not receiving benefits. If your father is either deceased or receives Social Security benefits, you can apply on his earnings record.

      Sincerely,
      Kay

  • Sherry

    Hello,
    I am on Social Security Disability and receive 1980.00 per month. I have two dependent children that each receive 990.00 per month. When my oldest daughter graduates high school, will my youngest receive those benefits also? When the youngest graduates, will my income change in any way? Thank you for your help.

    • Kay Derochie

      Dear Sherry,

      Your younger child’s benefit will not increase when the older’s child’s benefit stops because the younger is already receiving the maximum for a single dependent, which is one-half of your benefit. Your benefit will not increase when your younger child’s benefits stop.

      Sincerely,
      Kay

    • J.P.

      Hi Sherry question does both children recieve $990.00 each or $990.00 total together split up?? Thanks trying to figure out when the time comes I will know what to look for..

      • Kay Derochie

        Dear J.P.,

        This site is not set up for visitors to respond to each other. I can tell you, based on the information that Sherry provided, each child received $990.

        Sincerely,
        Kay

  • Ryan Richardson

    Dear Kay,
    My husband received a phone call from the DDS last week stating she was going to go ahead and approve him for presumptive disability based on the fact he is blind. We have been married two years. He just signed up for SSI in October. Neither of us have any income or assets. His claims rep called today and set up a phone interview for Thursday to go over the Income and asset criteria. My question is will he receive the amount allowed for an individual or the amount allowed for a couple since we are married? OR Do I have to be disabled too for him to get the couples amount? Thank you!!!!! Just trying to figure out how much our/his check will be….thank you…..RYAN

    • Kay Derochie

      Dear Ryan,

      Only your husband, the disabled person, will receive Supplemental Security Income (SSI) benefits, which will be paid at the individual rate less any income he has, including in-kind (non-cash) support and maintenance in the form of free or subsidized housing and food (other than government subsidies).

      Sincerely,
      Kay

      Sincerely,
      Kay

  • Phil sikes

    Hi Kay, if I am approved for disability in the next few months it appears I will receive 1850/mo. This figure is based on SS portal of my past earnings. I have been married for 2 years to a HS teacher that makes approximately 40k/yr gross. She receives CS (sometimes) for her 13 yr old son, which happens to be disabled but receives nothing due to wife’s income. The son was listed as my step son when I filed. I have read every post here and correct me if I’m wrong but it appears my step son can draw on my disability. It appears it would be 50 percent of what I receive or is that up to 50 percent? And would he receive back pay from the date I filed also? With him also being disabled would that amount be different if just a 13 yr old living at home? Is it based on family maximums and how do you find what that max would be. Thanks so much

    • Kay Derochie

      Dear Phil,

      Your stepson has to have been financially dependent on you ( receive one-half of his support from you) at one of several points in time. You can read more about dependent stepchild requirements at http://www.socialsecurity.gov/OP_Home/handbook/handbook.03/handbook-0337.html. Dependent benefits are the same for disabled and non-disabled children. You can find out your family maximum by going to http://www.ssa.gov/my-social-security and setting up an account and ordering your earnings record. It will give an estimated family maximum. Once your claim is set up for payment, you can also call Social Security at 1-800-772-1213 and get the amount.

      Sincerely,
      Kay

  • Shell

    If I signed up for Expedited Reinstatement on November 3 and everything was sent to the Disability Claim Office, how long does it take for provisional Benefits to start? I talk with the local office and they said I was approve for Provisional Benefits on the 12th of November and the status said pending in the Payment Center. It is December 3 now, how long will it take to get my first Provisional check? Also, I have a doctor’s appointment to see a disability doctor, will this date(December 20) effect the time frame on me receiving my first provisional check? Are does that mean I have to see the doctor first then receive my first provisional check?

    • Kay Derochie

      Dear Shell,

      The consultative examination that has been scheduled will not delay the provisional benefits. I suggest checking with your local office about how long it has typically been taking to get provisional benefits started.

      Sincerely,
      Kay

  • Cindy Hace

    i received a letter from Social Security today telling me my Medical Disability was approved ! And within 60 days the decision of my Non Medical will be decided! Can you please tell me what this means? This is Social security supplemental

    • Kay Derochie

      Dear Cindy,

      Supplemental Security Income (SSI) has two requirements for eligibility: a person must be either disabled or age sixty-five and have income and assets below a certain level. Your local Social Security office will review your finances from the time you applied to present to determine whether you are eligible in all those months and for ongoing benefits.

      Sincerely,
      Kay

  • ida

    I have a 4 year old and she is disable but I work how much do I have to make to get the benefit? family of 5

    • Kay Derochie

      With two parents in the household and two minor children who are not disabled, the disabled child can be eligible for SSI if the parents have gross work income of less than $4,453. You can figure the amount payable by using the example calculation in the article “What Are Deemed Income and Resources and How Do They Affect an SSI Application for Children,” which can be found under the SSI tab on this website.

      Sincerely,
      Kay

  • Hannah

    My children’s father was approved for his disability, how long does it take for them to start receiving there check?

    • Kay Derochie

      Dear Hannah,

      If your child’s father was approved for Social Security Disability (SSDI), not Supplemental Security Income (SSI) and his benefit is high enough, the children will be eligible for dependent benefits. It can take a couple of weeks to a month or more for the father’s benefits to start. After that the children’s claim will be processed for payment. If they are in your custody, you need to apply to be payee for their benefits.

      Sincerely,
      Kay

  • Donna Barufaldi

    Dear Kay, I am a 51 year old woman and approved for ssdi in Oct/14. My ex husband who I was married to for 23 years pased away in 2011 and was on ssdi collecting the maximum. Ijust applied to receive his benefits how much longer will this take to calculate and how much am I entitled too?

    • Kay Derochie

      Dear Donna,

      It can take the payment center up to three months to coordinate and process the two claims to payment.

      Sincerely,
      Kay

  • Wendy D

    Kay:
    I will be receiving my first SS Retirement check at the end of November. I have now had a medical condition arise, and have been counseled by my Doctors to file for Disability.
    If approved for Disability, will the payment amount be the same as the retirement amount?
    Wendy

    • Kay Derochie

      Dear Wendy,

      If you have reached full Social Security Retirement Age, you are not eligible for Social Security disability benefits. If you are receiving reduced benefits and you are more than six months from full retirement age, you could be eligible and the benefit would be higher than reduced retirement.

      Sincerely,
      Kay

      • Wendy

        Hello Kay:
        Took early retirement at age 62 in Nov 2014. Never worked again, collected unemployment. In April of 2015 I started a part time job in a different field, and was told to keep monthly pay under $780. I have just now been awarded SSDisability.
        I am confused as to exactly how much I can earn a month without compromising my benefits. I didn’t enroll in a ‘trial work’ period, or does that happen automatically?
        Thank You.

        • Kay Derochie

          Dear Wendy,

          Trial Work Periods are automatically applied. A Trial Work Period (TWP) applies after you have been disabled for twelve months and is made up of the first nine months your earnings reach the TWP level, which was $770 in 2014 and is $780 in 2015. If your earnings are high enough to count as a TWP month, you will get full benefits for the nine TWP months. For the thirty-six calendar months after the end of the TWP, you will be paid only in months that your earnings are not Substantial Gainful Activity (SGA). The earnings level for SGA is currently $1,090. You can learn more about return-to-work incentives in Social Security’s Red Book, which you can get from a Social Security office or can view
          at http://www.ssa.gov.

          Sincerely,
          Kay

          Sincerely,
          Kay

  • shawna

    Kay, I finally had my hearing on October 3, 2014 won with a Bench Decision and deemed critical, but now I am confused they said I would receive a check within 5 to 7 days because of my condition and have not received one yet. I talked to the Baltimore office and they said my payment was being processed, but I received a letter from my local SS office and they said they need to do an interview with me before I can receive benefits. I was also reading that if you are living with someone your benefits will be cut by 1/3 I have been living of an on with my two daughters and my mom will they cut my benefits because of that?

    • Kay Derochie

      Dear Shawna,

      The communication with the Baltimore office is about your Social Security Disability (SSDI)claim. The letter from the local office is about your Supplemental Security Income (SSI) disability claim. The two claims will be coordinated but are handled by different offices.

      If you are receiving free housing or are not paying your share of rent, utilities (excluding phone and cable) and food (or buying food separately), your SSI payments will be reduced. Living arrangements do not affect Social Security benefits (unless you become incarcerated or move to certain foreign countries).

      Sincerely,
      Kay

  • jaimie

    Well kay , 2 adults live in the household one of them is myself i have no income the other is my boyfriend he works and reieves 1,300 mntly. Unearned income is 661 of foodstamps mnthly. That is the only income coming in. Hopefully u can give me an estimate now. Another question is after non medical approval do u approximately know how long till i get a deposit? Thanks kay. Btw it’s for my child .

    • Kay Derochie

      Dear Jaimie,

      If your child is not receiving free or subsidized housing from your boyfriend, I estimate that your child would be eligible for $721 in Social Security benefits.

  • jaimie

    Hey kay , i just want to know if my monthly income is 1,300 what is an estimate my child will recieve from SSI ? He’s already been approved medically, we are just waiting for the final step.

    • Kay Derochie

      Dear Jaimie,

      Your child’s SSI benefit is calculated based on several factors including other family income, whether the income is earned or unearned, and the number of parents and children in the household. Therefore, I cannot give you an estimate based on the information you have given.

      Sincerely,
      Kay

  • Latisha Henderson

    Hello Kay,
    My husband applied for ssdi benefits in july. He is still waiting on the decision. When he did the application he applied for myself and our dependent children. We have recently seperated and the children continues to live with me. Can i still be able to recieve the benefits even thougg we are seperated? And do i need to contact social security to update my new address and information? Will that affect his ssdi claim? If his claom is approved, can i become the payee for our children?

    • Kay Derochie

      Dear Latisha,

      You can receive Social Security dependent benefits even if you are separated from your husband. If you divorce, you can receive benefits only if you were married ten years or more. If you have custody of your children when your husband is approved, you should be made payee. You can report your change of address to Social Security now, but you will have to apply to be payee after your husband is approved, so you might as well wait until then.

      Sincerely,
      Kay

  • Kathleen

    I am currently on Ssi and 46 .. I started receiving Ssi in 2011 and my husband divorced me …he is 38 .was sole provider and .. Healthy . we have two children that reside with me 14 & 9 . If and when I recieve child support .. Will it affect MY Ssi ?… And one more question if I do not remarry will I ever be able to draw off his retirement if he is not disabled .. We were married just over 10 years and since I am older will I have to wait on him to reach 65 ?! I also am guessing I cannot draw off my parents as adult child disabled because I was not deemed disabled until I was injured in nov 2001 .. ( age 34) But never applied till 2011 .. And was approved in less than 6 mths . Just very hard to live with two children disabled off 720 a month … I really need any advice you can give !
    Kathy

    • Kay Derochie

      Dear Kathleen,

      Child support paid for your children will not affect your Supplemental Security Income (SSI) benefit amount. Because you were married for ten years, when your husband retires or receives disability benefits, if you are age sixty-two, you can apply for reduced divorced wife’s benefits. Unreduced benefits would be payable at full retirement age. If your husband dies, you can apply for surviving divorced wife’s benefits. Full benefits are paid at full retirement age. Reduced disabled surviving divorced wife’s benefits can be paid as early as age fifty. Also, if your ex-husband becomes disabled or dies before you meet any of the age requirements and you have a child of his under age sixteen in your care, you can apply for young mother’s benefits. Your SSI will be reduced by the amount of Social Security you receive. Currently, you might check with your local health and human services department to see whether your children are eligible for cash or other assistance.

      Sincerely,
      Kay

  • Sandra

    My husband just got approved for disability after waiting 2 years. We have been married for 20 years and he just informed me that he wants a divorce. The judge JUST approved his claim so no money has even came in yet. We have 2 kids still under 18 and they will primarly live with me. I am so sad and so confused. Will they still get benefits? Will I get benefits or no because we will not be married anymore? Also, Will the family benefits go to him or is there a way to get them to go to me since I will have the kids most the time? We were not going to go through an attorney. Just do the divorce ourselves. Everything is very civil.

    • Kay Derochie

      Dear Sandra,

      If dependent benefits are payable, they can be paid to you because you have primary custody of the children. You need to contact Social Security to apply to be payee for the children.

      You do not say how old you are but, if your children are under age sixteen and you are earning less than $15,800 gross per year in work earnings, I suggest that you also apply for young wife’s benefits for yourself. Applying for yourself will not increase the total amount of dependent benefits payable because the total will just be split among three people instead of between the two children, but it could protect your later entitlement to disabled surving divorced wife’s benefits should your husband die and should you become disabled. Note that if you do not remarry, you will be eligible for divorced wife’s benefits when you reach retirement age if the divorced wife’s benefits are higher than your own retirement benefits.

      Sincerely,
      Kay

  • karen s ray

    yes Kay i was so hoping you could help!! everyone is staying on my back because of the fact of them taking my disability away whrn my husband got his back a few years ago! when he got his i lost everything my medical check and now we struggle! now my sis in law who just went in to file says that i do not have to wait until after 62 i am 54 she said i can draw off him now! i was om disability for over 8years before they stopped it and i need to have epidurals and can not i amnow mostly in the bed for days i really need help!!thanks!!

    • Kay Derochie

      Dear Karen,

      If your husband is living, you will not be eligible for spouse’s benefits until you are age sixty-two. If your husband is deceased you can apply for disabled widow’s benefits now. If you are approved the benefit will be reduced for taking the benefit at an early age. If your family income and assets are low enough, you can apply for Supplemental Security Income (SSI) disability.

      Sincerely,
      Kay

      • Karen Sue Ray

        thank you for replying no he is still with us he gets only 1147 a month and we are in Alabama they claim it is all a couple can have! that is why they stopped mine others say this is not true in other states income is 2000 i just need my medical really all i get is the run around from ss and medicaid i don’t know what to do!

        • Kay Derochie

          Dear Karen,

          Your previous post gave me the impression that your husband receives Social Security Disability (SSDI). Your current comment seems to be referring to Supplemental Security Income (SSI) rules. If he is getting Social Security and the amount is above the SSI couple rate, neither of you could get SSI and Medicaid based on SSI eligibility. Note that the gross amount of your husband’s Social Security counts before any reduction for Medicare premiums. The current federal rate for a couple is $1,082. Alabama does pay a small supplement, but apparently it is below the amount of your husband’s SSDI. To receive a higher state SSI supplement, you would have to live in that state.

          Sincerely,
          Kay

  • shai

    My total ssdi payment is 740.00 I have three children who only receive 4.00 a month each how is this possible when they should receive 50% of my benefit? Also how do I check to see if my benefit amount is correct?

    • Kay Derochie

      Dear Shai,

      A fifty percent child’s Social Security benefit is only payable if the family maximum benefit is high enough. Your Social Security benefit is fairly low, so the family maximum is probably also quite low. The amount payable to dependents is the difference between your primary benefit before any reductions for Medicare premiums or taxes and the family maximum. You can get both your primary benefit amount and the family maximum amount by calling Social Security at 1-800-772-1213.

      Sincerely,
      Kay

  • bianca

    i applied for ssi for my daughter i recived a letter from dds it was a daily activity form what happens after they recieve it

    • Kay Derochie

      Dear Bianca,

      You need to complete and promptly return the questionnaire. The DDS examiner will consider the information you provide on the questionnaire and all the other information in the claim file to determine whether your daughter is disabled according to Supplemental Security Income law.

      Sincerely,
      Kay

  • Crystal

    My husband just got approved for SSDI. Will the backpay only be his amount or will it include his kids.

    • Kay Derochie

      Dear Crystal,

      A separate payment will be made for the children’s back pay.

      Sincerely,
      Kay

  • Colleen

    If someone on Adult Child Disability Benefits marries someone on SSDI do they lose their Adult Child Benefits?

    • Kay Derochie

      Dear Colleen,

      I believe that there is only one exception to termination of Disabled Adult Child benefits caused by marriage and that exception is marrying someone who is also receiving Disabled Adult Child benefits. This would mean that marrying someone who is receiving Social Security Disability (SSDI) on his or her own work record would result in termination of the Disabled Adult Child benefits. I suggest, however, that you check this information with the Social Security Administration.

      Sincerely,
      Kay

  • Charles .e.craig .jr

    When will my dependents start get add to my check an will an when will I get the back pay fr that

    • Kay Derochie

      Dear Charles,

      Your children’s benefits will be processed and paid after yours have started. Their back pay will be released after monthly payments start. If it has been more than a month since your benefits began, contact Social Security to make sure they are aware of the children and are working on their claims.

      Sincerely,
      Kay

  • Deborah

    Hi Kay,
    I’m 54 years old and recently approved for SSDI benefits! The DOD was 2/3/12 but the Hearing Judge bumped it up to May 3, 2014, thus losing all retroactive payments….Additionally, my husband died 12/26/2012 and he was disabled. My are: 1) I understand I can appeal the DOD date. I’m concerned if I do, the Judge could change the entire outcome of his original decision and deny benefits.Myrepresentative shared the judges finding was quite negative in that he questioned my credability as the Drs.statements related to my spinal injury didnt support the pain or limitations I have…BUT the objective diagnostics MRI’s actually showed my condition had gotton worse over the last couple years with impeadments of both sciatica nerves! ***Additionally, Im on psychiatric meds for DDD, PTSD, Acute Anxiety Disorder and Nightmares which causes me to Sleep 10-12 hrs/day.Also in meds for edema that make bathroom breaks every hr…***Could the judge change his verdict to denial if I appeal for wrong DOD so ill get backpay?
    2) Im filing for disabled widows benefits on my late husbnds work record . He was receiving $2200/mo,, double my own earnings at $996/mo. I received a workers comp settlement over 20 mos ago at $24,000 after legal fees 21,400 with a stipulation that $5,000 is to be used towards medical expenses. ..Since I’m claiming on my late husbands work record, will SSDI use his wages in determening the offset? He worked very hard all his life for almost 40 years… If they apply the offset to his record, would the duration of his substantial employment negate the offset?

    • Kay Derochie

      Dear Deborah,

      If you appeal the date of disability accepted by the judge and the Appeals Council remanded the decision to the judge, he could change the decision to a complete denial. If that happened, you would have the right to appeal.

      There is no offset of workers compensation against disabled widows benefits. Be aware that you will receive reduced widows benefits by taking benefits at age fifty instead of at full retirement age. You can view a reduction chart at the following link: http://www.ssa.gov/survivorplan/survivorchartred.htm

      Sincerely,
      Kay

  • Danyelle

    Hi Kay,

    My question is, I have been approved for SSDI and was paid back pay for 1yr past my app date.Example: app date 05-14, paid for 1yr of 2013. I received a letter stating my child might be eleigble to receive money from my ssdi. would I receive back pay for her from just 05-14 or would she receive the same? which is back pay for the 1yr of 2013 as well? Thanks in advance

    Danyelle

    • Kay Derochie

      Dear Danyelle,

      Your child will receive Social Security dependents benefits for the same months that you receive benefits.

      Sincerely,
      Kay

  • jean

    My ex-husband recently received SSDI retroactive to possibly 3 years ago. He abandoned us, and we have had no contact with him for 7-8 years. When he applied, he did NOT list our two minor children on his application. As soon as I heard he had received SSDI and a huge retroactive sum, I went to the local SSA office. My 19 yo is now being told her benefits may not go retroactive so she may not be eligible for anything at all. They told me yesterday that my son would be eligible for only 12 months retroactively.

    Is this the normal procedure for when a parent lies about having children, so we had no idea we needed to do anything to ensure they received benefits?
    Is there any penalty to the person who lies about this?
    So frustrated by this.

    • Kay Derochie

      Dear Jean,

      Usually for dependent benefits to be retroactive to the date of the worker’s application, the dependents must be listed application, which makes it an application for them also. Without that, the application date is the date you applied and retroactivity is limited. I suggest that you consult with an attorney knowledgeable in Social Security to find out if any exceptions can apply. If your ex-husband owes back child support, it is possible that the child support will be withheld from his back pay and paid to you for the children. Check with Social Security regarding what court documents are required for this to happen.

      Sincerely,
      Kay

  • Joshua

    If I get 1126 in ssdi. How much will my three children get?

    • Kay Derochie

      Dear Joshua,

      With a $1,126 Social Security benefit, the total amount paid for all three of your children may be an amount equal to fifty percent of your benefit, $563.

      Sincerely,
      Kay

  • Van

    My mom was receiving SSO from 2001 thru July 2014. She recently
    found out that husband was deceased whom she
    was separated from. He passed in the beginning of 2008.
    At the time of death he was getting social security retirement income.
    My mom recently was approved for widows benefits that begun August
    2014 that replaced her SSI. My question is will she be eligible to receive
    back pay from 2008 from her husband’s time of death?

    • Kay Derochie

      Dear Van,

      I believe that she will be eligible for six months of retroactive widow’s benenfits; however, she will have to repay the SSI that she received for the same past months.

      Sincerely,

      Kay

  • Kathryn Pryor Ford

    My husband is 78 and receives SSA retirement benefits and retirement from his employer. I am 54 and recently disabled due to Stage IV cancer. I worked full time. Will my SSDA benefits be reduced by what he already receives from social security? Is there a maximum that we can receive from SSA? Someone told me $3000 per family. He already receives $2300 from SSA Retirement. Does that mean my check will only be $700?

    Kathryn

    • Kay Derochie

      Dear Kathryn,

      The social Security family maximum applies only when both members of the couple are receiving benefits from the same earnings records. You will be receiving Social Security Disability benefits on your own earnings record and your benefit will be based on your earnings record. Your husband’s benefit amount will not affect your benefit.

      Sincerely,

      Kay

  • Mercedes Lewis

    I just recently applied for my disability like a few weeks ago & today I got a call saying they just received my disability claim from the ssa does this mean im approved already?! An ny boyfriend gets disability as well, and we were talking about gettin married if so does that mean I can get spouse disability as well???

    • Kay Derochie

      Dear Mercedes,

      It sounds as if you received a call from the Disability Determination Services claims examiner who reviewing your claim to determine whether you are disabled and he or she was telling you that the DDS just received the file.

      If you get married and your husband is receiving Social Security Disability (SSDI) and you are age sixty-two or over, you could be eligible for wife’s benefits on his earnings records. If he is getting Supplemental Security Income (SSI) disability and you are approved for SSI, your benefits would be calculated as a couple, which is less than two individual SSI benefits. If you are approved for SSDI, your SSDI could affect his SSI if he is receiving SSI.

      Sincerely,

      Kay

  • marlena

    I had my hearing like 2 or more weeks. And i havent heard anything. Am i approved bc the judge disagreed with the vocational apeaker

    • Kay Derochie

      Dear Marlena,

      I do not have enough information to offer an opinion on whether your claim will be approved. It often takes sixty days or more to get a decision.

      Sincerely,

      Kay

  • Angel

    My 18 year old son was approved for SSI. We applied on May 5th and this month 2 payments were posted in the bank account. $594 & $182
    I have yet to receive anything in the mail but was told 1 month ago he would be approved based on his diagnosis.
    Why would there be 2 payments posted??

    • Kay Derochie

      Dear Angel,

      If your son has worked or is a disabled adult child of a parent who receives Social Security, it is possible that one check is for Social Security and one for Supplemental Security Income (SSI). If that is not the case, then I suggest that you son call Social Security at 1-800-772-1213 and ask the source of each payment and the period that it covers.

      Sincerely,

      Kay

  • Mark Raymond

    Ms.Derochie, My name is Mark Raymond I have been getting SSDI since 1994. I moved to the Philippines a year ago to meet my fiance. I am living here now but will return to the U.S.A. in a couple years after we save enough money. My fiance has one two year old girl who I want to adopt and is 4 months pregnant with my child. So if I understand correctly The three of them may be eligable to recieve a check also? And if so what amount could it be? I recieve 955.00 a month… I am mentally impairded so it’s hard for me to read the other comments and understand.. Anyhow any comments would be helpfull. Mark

    • Kay Derochie

      Dear Mark,

      I suggest that you call Social Security at 1-800-772-1213 and ask them the amount of your family maximum. If it is more than your gross benefit before reduction for Medicare premiums, then your biological child will be eligible. If you marry your fiance, she and her daughter may become eligible for benefits. Any dependent benefits payable will be split among the eligible dependents.

      Sincerely,

      Kay

  • Sida Lee

    In am totally in the dark about the whole disability process, but have a “telephone meeting” with SSA this week. I don’t like going into situations such as this totally unprepared and having no idea what is about to happen, if anything. I guess my former husband, the father of our 12 year old daughter, is receiving disability.

    A letter came to our home addressed to our daughter from SSA asking that I make contact with them. Thinking it might be a scam, I didn’t call the phone number provided, I called SSA direct. So many questions, my social security number, date of birth and mother’s maiden name. Then I provided the same information for my daughter. She asked if my former husband and I have any other children, or if he had any other minor children that I was unaware of. No and no.

    I was placed on hold and when the representative returned, she wanted to know if I would be available for a telephone meeting. I told her yes. The representative provided the address of the nearest SSA office, should I need it, thanked me for my time and hung up. I received a reminder call yesterday. My former husband and I have been divorced for 9 years and we don’t live in the same state. He has abandoned our daughter, as he hasn’t seen her for 6 years and might call her once a month.

    Can you please tell me what’s going on here and what I should
    prepare for. Thank you.

    • Kay Derochie

      Dear Sida,

      Your daughter is eligible for Social Security dependent benefits because her father has been approved for Social Security Disability. If she is his biological or adopted child, she is eligible for benefits even though he is not involved in her life. If you were married for more than ten years, you may also be eligible for benefits.

      Sincerely,

      Kay

  • Cindy

    I have been drawing my SS Disability benefits since 11/2008 at the age of 51.
    How do I find out if I am drawing the correct amount?
    The amount on the Social Security statement they mailed out in 2010 & the amount the SS representative, that originally took my disability info, is not the amount I have been drawing.
    I was a postal worker & I now know people retiring that are getting a lot more than I am???
    Should have questioned sooner, but I just trusted everything was correct.
    Thanks for any advice you can offer,
    Cindy

    • Kay Derochie

      Dear Cindy,

      Please clarify the type of “Social Security statement” you received. Was this a verification of your Social Security benefit amount or a copy of your earnings record. Once I know this, I may be able to offer some guidance.

      Sincerely,

      Kay

  • I am now divorced for the past year and a half. My exhusband was legally blind and receiving disability benefits the whole time we were married which was for 14 years. My son has been receiving half of his father’s benefits since the year after he was born, he is now 14. My son is also disabled due to a birth injury to his brain which resulted in inability to produce words and mental compacity of a 2-3 years old. My son is not receiving his own benefits yet just his fathers in the amount of $511. But that is not my question. I would like to know if I qualify for support now that we’re divorced and also if I still qualified for benefits while married if I did not work since March of 2007. None of us had worked during that time and was never told that I could get benefits due to spouse’s disability (blind). Thank you for your time and concern. I will wait for your response. Sincerely, Marlene

    • Kay Derochie

      Dear Marlene,

      You may be eligible for Social Security young divorced wife’s benefits, which are payable to a parent caring for a child under age sixteen or an older disabled child receiving dependent benefits. I suggest that you apply promptly to avoid missing potential benefits. Also three months before your son’s sixteenth birthday, let Social Security know he is disabled so that you can provide the necessary disability documentation to continue your benefits.

      Depending on your assets, your son now may be eligible for Supplemental Security Income (SSI) to supplement his Social Security. I suggest that you request an appointment for that application also. Later when your son is three months before his eighteenth birthday, you can apply for him to receive Social Security disabled adult child benefits, which will continue his dependent benefits.

      Sincerely,

      Kay

  • Karen

    I am currently receiving disability checks based on my income. My husband is about to turn 62. I think I have read where I will be eligible
    to start drawing disability based on his social security. Is there any substance to this? Thank you.

    • Kay Derochie

      Dear Karen,

      Social Security offers disabled widow’s benefits but not disabled wife’s benefits. Reduced wife’s benefits are payable at age sixty-two, but given that you are receiving Social Security Disability, it could be to your advantage not to take reduced benefits and wait to draw benefits from your husband’s earnings records when you can receive the full amount at your full retirement age. Note: You will receive benefits off his account as a wife only if the wife’s benefit is higher than your own. Then you will pay the difference between the wife’s benefit and your own benefit.

      Sincerely,

      Kay

  • Kim Dinh Tran

    Hi,
    I recently got SSDI award letter &
    In the letter, it said my benefit would be
    $2500 & my spouse & I benefit would be ~
    $3800. My husband is working right now.
    Is he eligible for spouse SS benefit?

    • Kay Derochie

      Dear Kim,

      You need to report your husband’s earnings to Social Security letting them know how much he makes per year. They will figure out whether any benefits are payable to him. Currently, an individual can earn $15,480 per year and receive full dependent benefits. If he is earning more than that, his annual Social Security benefit will be reduce by $1 for every $2 he is over the limit.

      Sincerely,

      Kay

  • gina

    Dear Kay

    Me and my husband has been trying to get his disability and disability had sent out a form for me to fill out of what my opinion is wrong with him so why haven’t they approved him yet or deny him. I’ve went to a few ssi doctors with him and with what they were telling us is there a way I can get copies of the papers what they wrote about him?

    • Kay Derochie

      Dear Gina,

      Your husband has a right to request a copy of his entire claim file including the consultative examination reports. If he is denied, it would be a good idea for him to get a copy to see where he disagrees with the decision, if he does. Having the file will help in preparing an appeal. You cannot get a copy of his file without his written permission.

      Sincerely,

      Kay

  • Andreona

    I’m a very young single mom and due to a horrible domistic violance act that resulted in my back being broke and also be diagnoised with cancer my doctors advised to me sign up on disability. I had a bearing the other day and to my understanding I was approved but it will be reviewed in 18 months. What does that mean and how does that process work? Havbt received my letter yet but my lawyer said she approved it on the bench.

    • Kay Derochie

      Dear Andreona,

      When a judge approves a claim, he or she can set a medical review date if he or she thinks that you will recover from your disability. Your judge’s ruling means is that in eighteen months you will be asked to provide updated medical information about your conditions and treatments after approval for benefits. The information will be evaluated and it will be determined whether you are still disabled and eligible for benefits according to Social Security law or that you have recovered and benefits should stop.

      Note: If you were approved for Social Security Disability (SSD), your child will be eligible for dependent benefits if your Social Security benefit is high enough to result in a family maximum benefit higher than your own benefit.)

      Sincerely,

      Kay

  • Mike

    My spouse was deemed disabled and approved for SSDI prior to us getting married. Now, I have become disabled and have applied for SSDI. Will me being approved effect my wife and stepsons monthly payment?

    • Kay Derochie

      Dear Mike,

      If you are approved for Social Security Disability (SSD), your wife’s SSD benefit will not be affected. If your stepson was financially dependent upon you when you became disabled (you were providing more than half of his support), his benefit might be recalculated on a combined family maximum and increase in amount.

      Sincerely,

      Kay

  • Christopher

    Hi Kay! I apologize if this question has already been addressed. I receive SSDI. I also work part-time. I’ve already completed a trial work period and my income from work is around SGA but not over. My question is, will my SSDI benefits increase due to my current employment earnings? Thank you.
    ~Christopher

    • Kay Derochie

      Dear Christopher,

      Your benefit could increase if your earnings while disabled are sufficiently more per year than the lowest earning years already used in the calculation of your benefit. If you are eligible for an increase,the annual Automated Earnings Recalculation Operation (AERO) process, which pulls earnings data from your IRS earnings record) will result in your getting a letter late in the year that tells you that your current year benefits have been increased to give credit for your earnings of the previous year. You will then receive an increase retroactively to the prior January.

      Sincerely,

      Kay

  • teddy morales

    Hi Kay, I recently started recieving retirement payments. After a couple of months they lowered my ssi benefits by $4oo. What’s up?

    • Kay Derochie

      Dear Teddy,

      Social Security retirement benefits are countable income for the purposes of calculating the amount of Supplemental Security Income (SSI) payable. Income received in one month is used in calculating benefits two months later; that is the reason there was a delay in the reduction. If you did not have any other income, your total Social Security and SSI should be $20 more than before you got retirement.

      Sincerely,

      Kay

  • Jessica

    Hello,

    My husband became disabled 3 years ago. He finally has a hearing in a few weeks. I am confused by the family limit amount. We have five children and me who will be getting benefits. Since we have so many kids it doesn’t seem like they will each get benefits, there seems to be a limit. I believe it said 150-180% of what he actually earns for SSD. My confusion is that is maximum family amount all we get or is it the maximum family amount PlUS what he is getting for SSD? Meaning, if he receives 1200 a month and the maximum amount for the children and I is 1800 a month (150% of what he is getting) do we add the 1800+the 1200 he is getting? Or is Maximum family amount just mean the 150% or the 180%-meaning we only get the 1800 monthly? I hope this makes sense.

    Thank you for your help.

    Jessica

    • Kay Derochie

      Dear Jessica,

      The family maximum benefit amount includes the disabled worker’s benefit. For example, if the family maximum were $2,000 and your husband receivd $1,200, then the remaining $800 would be evenly split among all the eligible children (and you, if you choose to apply). When the oldest child turned eighteen (or nineteen if still in high school), the $800 would be split among the remaining eligible dependents. This would continue until there is only one eligible dependent left. At that point, the remaining child would receive 50% of the amount their father was receiving ($600). The amounts in the example would change upward slightly each year there was cost-of-living increase.

      Sincerely,

      Kay

  • Theresa

    Kay, If I am approved for SSA Disability, will my monthly payment be based on my income only or will my husband’s be used also because he has a higher income than I do?
    My husband is on SSA Disability at present.

    Thank You
    Theresa

    • Kay Derochie

      Dear Theresa,

      If you are approved for Social Security Disability, your benefit will be based on your own earnings record. If you are age sixty-two or over or have a child under age sixteen in your care and your wife’s benefit is higher than your disability benefit, you could get a partial wife’s benefit to supplement your disability.

      Sincerely,

      Kay

  • Kim

    I was told u have to make so much money for your spouse and kids to get benefits. I was also told if your spouse is able to work your kids wont get benefits.

    • Kay Derochie

      Dear Kim,

      The Social Security Administration (SSA) administers two disability programs. One, Social Security Disability (SSDI), provides benefits for spouses and children if the disabled or retired worker has have earned enough in the past for the family maximum benefit to be higher than the worker’s own personal benefit. The spouse will not get benefits if he or she is earning over a certain amount, but the spouse’s earnings do not affect the children’s benefits. The other program, Supplemental Security Income (SSI) pays benefits only to the disabled person, who may be an adult or a child. Whether or not the disabled person is eligible for SSI depends on family income because SSI is a public assistance program.

      Sincerely,

      Kay

  • Pam

    I was approved for my disability benefits, had a lump sum put in my checking account a week ago, but have gotten no information from SS. MY question is will my step-daughter also get the back pay, she has not yet. Also, will her check and mine be deposited on the same day? I guess eventually social security will contact me, but i owe the money that was put in my account and need to know the details. Thanks, Pam

    • Kay Derochie

      Dear Pam,

      If your family maximum benefit is more than your benefit amount and your stepdaughter lives with you or was otherwise financially dependent upon you when you became disabled, she will be eligible for benefits. She will receive back pay for the same months you did if you listed her on your original application. You should contact the Social Security Administration by calling your local office or the call center at 1-800-772-1213 and request an appointment to complete work for payment of your stepdaughter’s claim. With regard to an explanation of the payment you received, you should have received an explanatory award letter within ten days of the deposit.

      Sincerely,

      Kay

  • Kim waters

    I was awarded disability benefits in 1999. At the time I had to eligible children a son 16 and daughter 13 lived with me and I did care for. I never received benefits for them am I still eligible to receive those back benefits?

    • Kay Derochie

      Dear Kim,

      The first thing to do is to contact Social Security to determine whether your family maximum is higher than your Social Security primary insurance amount (your benefit). If it is not, no dependent benefits are payable. If it is higher, then the next step is for you and your adult children to submit a request to have benefits paid for the months the children were minors. Because they are both over eighteen now, they would not be eligible based on a current application. The only way they could be eligible is 1) you listed them on your application; and 2) your old Social Security file shows that Social Security never contacted you about completing the final paperwork for dependent benefits (that is, you didn’t fail to purse benefits back then). If benefits are payable, they will be paid directly to the children because they are no longer minors.

      Sincerely,

      Kay

  • Charles

    I am on disability right now but I only can get ssi because I did not get diagnosed with a disability until I was 27 . I have a metal disorder that caused me to drop out of college where I was on the deans list . I found out that I could get money from my parents ssi payments if I were disabled before 21 . I was sick I just didn’t get diagnosed until a suicide attempt at 27 is there a way for me to get the benefits because I was sick before 21 years old . I want ringer on my parents cause I coups get more money

    • Kay Derochie

      Dear Charles,

      You do not say whether you have already filed a claim for Social Security disabled adult child benefits and have been denied. If that is the case and you are in the sixty-day appeals period, you can appeal the denial. If you have not filed a claim, you can do so. As you indicate, you need to prove that you were disabled before age twenty-two. I suggest that you get all your medication records, psychiatric records and/or medical records from the date that you first started to show severe symptoms up to the date for which you have already submitted medical evidence of disability. You may not be approved, but you will not know until you try. One more note: to be eligible on your parents’ record, at least one of them has to be either receiving Social Security or deceased and you have to be unmarried or married to another disabled adult child.

      Sincerely,

      Kay

  • Rudy Lovato

    Hi Alan,

    I was approved for my reinstatement of benefits this January of 2014. I have been on provisional payments from August of 2013 to January of 2014. However, I received a critical payment in September of 2013 and began the provisional pay in November of 2013. Now I have been told my provisional benefits have stopped and they are working on my record at the payment center to update my info and benefit amount. What so confusing is the two different answers I receive from my case worker and the 1-800 number. The case worker sends me emails that contradict each other and have no truth to whats really going on. I’m so worried and not sure what to believe. The 1-800 number tells me that the payment center is still working on my record. What the heck, how long does this take and why so many different answers. I need clarification. Help!

    • Kay Derochie

      Dear Rudy,

      Some special handling is required to coordinate the critical payment and the provisional payments with your record of regular payments. This would typically be done by the payment center. Theoretically, there should not be a gap between provisional payments and the reinstatement of regular payments. If it has been more than a month since the last provisional payment, I would ask the local office to send a follow-up request for payment to the payment center.

      Sincerely,

      Kay

  • leland pearson

    I am currently on ssd social security will my monthly benefit stay the same at retirement age and what is current retirement agew

    • Kay Derochie

      Dear Leland,

      Your Social Security Disability benefit will stay the same when you reach retirement age. The one exception is if you received reduced retirement benefits for months before your disability benefits started. If that is the case, then your retirement benefits will go down, but they will be higher than your previous reduced retirement. Your retirement age depends on the year you were born. You can go to the following web page and insert your year of birth to find out your retirement age. http://www.ssa.gov/pubs/ageincrease.htm

      Sincerely,

      Kay

      • Kerry wafford

        I am 61 year old female with chronic back problems last 10 years. Can’t lift sit for more than I hour etc…have seen numerous dr pain injections etc. my dr put me on sdi for a year it expires 8-15. In the meantime I have applied for ssdi and seeing there dr in two weeks. My question is if I don’t qualify for ssdi and my sdi runs out do I apply for unemployment. I will have no income to get an attorney or wait 6 months I will have to do something for income but no one will hire me?

        • Kay Derochie

          Dear Kerry,

          You do not need money to hire an attorney because Social Security attorneys take cases on contingency. That means that they get paid an attorney fee only if you are approved. If your initial claim is denied, request a copy of your claim file and get an attorney right away to help you file the best reconsideration appeal possible. Typically, to get unemployment, you have to be able to work and be looking for work; however, you should check with unemployment office in your state to see whether you would qualify for unemployment.

          Sincerely,
          Kay

  • Racheal

    My husband was on Disability before we got married. A month after we had married, he got a letter stating he was being cut from his disability benefits to SSI. That cut his monthly income by almost $200. He now makes about $720 a month, and my question is, are my children ( who are also his biologically ), are able to receive some sort of payment from ss? I’ve heard of other parents being able to get some for them, so I was wondering if that is even possible. Thank you.

    • Kay Derochie

      Dear Rachael,

      Supplemental Security Income (SSI) provides benefits only for the disabled person, not for their dependents.

      I have tried to think of a situation in which a person’s Social Security would terminate, but SSI would continue or start. The one situation I can think of is that he was getting Disabled Adult Child benefits on a parent’s Social Security records and his marriage to you made him ineligible. If this is the case, even if he had stayed on Social Security, his children would not have been eligible for benefits because he was not receiving disability based on his own earnings.

      If I am incorrect about the type of Social Security he was getting and he was receiving Social Security on his own Social Security number and own earnings record, then his children might be eligible for back pay only for the period that their father was eligible for SSD.

      Sincerely,

      Kay

  • Lulu

    I just applied for my social security disability,I’m eighteen and have been drawing off my parents disability since I was very young.i can’t work because of mental breakdowns and my bi pilot disorder.how long will it take for them to contact me or approve or deny me.ive already been over six months without my benefits because I did not re apply.

    • Kay Derochie

      Dear Lulu,

      Initial disability claims typically take two to five months, but it seems many take substantially longer. You might contact the Disablity Determination Services (DDS)that is reviewing your claim to see if they need anything from you or your doctors and also to ask where in line your claim is to be reviewed. If you have not gotten any letters from the DDS, you should be able to get the number either from your local Seocial Security office or the call center at 1-800-772-1213.

      Sincerely,

      Kay

  • Patti

    Hi, I have been legally married to my children’s father since 1995, in 2008 he was approved for disability and recieves a benifit amount if a few dollars short of 1350 a month. At the time he was approved he told me I could get payments for our children. We had 4 minor children at the time of his approval. When I went t apply for the kids. and they were approved the man taking my application asked if I wished to apply for spouse benifits as I have sole custody of our children, and though we are legally married, have not lived together since before his disability began. He also told me that though I qualified me getting a monthly payment would reduce my children’s benifits. My question is this, earlier today a woman I spoke with at my grocery store told me she worked for the ss admin, and that according to what I stated before, I should get a monthly payment, and it would not effect my children’s payments. Is this correct? And does the ss admin automaticly split the maximum family payment between the family members, or do I have to request it? My children (2 are still minors, 8yrs & 17years) recieve payments of $315 each monthly, so if a person recieves 1350 ss monthly, would 630 be their maximum family amount, and does receiving spousal benifits decrease the children’s payments? I’m sorry this is long and confusing, and thank you for taking the time to read it.

    • Kay Derochie

      Dear Patti,

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

      Because you are married to the disabled worker, any wife’s benefit paid to you will be paid from the family maximum and will reduce your children’s benefit. If you were divorced, your divorced wife’s benefit would be paid outside the family maximum and would not affect your children’s benefit.

      Even though your family would not receive additional benefits now, there could be a future benefit to applying for benefits and becoming entitled on your husband’s record. The future benefit relates to disabled widow’s benefits. To be eligible for disabled widow’s benefits (up to ten years before being eligible for regular age-related widow’s benefits), you have to be disabled, have not remarried, and you have to have become disabled within seven years of the later of your husband’s death or your last entitlement on his record (which would be when your youngest child turns sixteen.) So…if your husband died before your child turned sixteen and you became disabled within seven years of that date, it could be to your advantage to have been on your husband’s record.

      Another consideration is the earnings test for Social Security dependents benefits. In 2014, annual work earnings above $15,480 result in $1 reduction in benefits for every $2 you are over the limit. Based on the figures you gave me, I estimate that if you earned approximately $20,520 annually, you would not be eligible for benefits. You could apply to place yourself on the record and then have your benefits in suspense due to earnings. I suggest that if you are considering this, you check with the Social Security Administration to assure that the full family maximum would be paid to your children and to check whether you would still be considered entitled on the record as related to protection for disabled widow’s benefits.

      Lastly, you asked about the amount being paid to your children. The maximum that can be paid is 50% of what your husband’s benefit is. I suggest checking to be sure his is $1,350. If it is, you can ask Social Security why the children’s does not total $675. It may be correct, but knowing why can sometimes be reassuring.

      Best regards,

      Kay

  • Brenna Burleson

    I had my hearing Dec 3rd and the judge said I was unemployable ??? does that mean Im approved ? he told me to wait for a letter…

    • Kay Derochie

      Dear Brenna,

      Yes, when the judge said you were unemployable, it meant that you would be medically approved for disability benefits. You will receive benefits if you also meet the non-disability requirements, which were preliminarily screened before the medical review process began. Assuming nothing has changed in your non-medical eligibility, you should receive benefits.

      Best regards,

      Kay

      • Brenna Burleson

        Thanks so much Kay

        • Kay Derochie

          You are welcome, Brenna.

  • James

    Hello! I had my disability hearing on October 11, 2013. I know it can take some time to get a decision so I have called a couple of times to see if I could get an update. The last time I called I think I was told that at the time of my calling, the system was showing it as “closed”. I asked whether or not this meant that the decision writers were done and I was told to expect a letter soon. I’m not all that certain if that was what was said (I’m extremely hard of hearing), but does that sound correct if it is showing as “closed”?

    I’m like a lot of others and am completely stressed out about this decision. I had my wife there and the VE there, but the judge did not call on either witness to testify about anything. It was basically me and the judge talking, with my wife repeating what the judge said from time-to-time because I can read her lips better than anybody else’s. Is this usually a good thing when the VE is not called to testify?

    One last thing, I attempted to go to the SSA website to see about possible disability amounts I would earn. I used the calculator and entered in my salary information since ’93. How accurate is this? Also, why when I try to get an estimate of my disability straight from the website does it say “information not available”? Sorry for so many questions…I’m so anxious my anxiety may kill me before I get an answer. Thanks so much for any and all information!!!

    • Kay Derochie

      Dear James,

      You do not say how long ago you were told that the hearing file was closed. If it has been longer than a week, I suggest calling back when your wife can be present and confirm that you understood the person correctly. If you did tell them you have not gotten a letter and you want to know what “closed” means given that you haven’t received a decision. (If the decision were pending it would show still with the judge or in the letter writing department.

      With regard to your potential benefit, I suggest that you call Social Security at 1-800-772-1213 at a time your wife can listen in and request a copy of your earnings record. It should have an estimate of both disability and retirement benefits. This is a document anyone can obtain, even people not filing a claim, so yours should be available.

      Best regards,

      Kay

  • kelly

    Ok thank you 🙂

    • Kay Derochie

      You are welcome, Kelly.

  • kelly

    I had my disability hearing on October 29th the judge approved me at the hearing.its been over two weeks and I haven’t heard anything since is this normal?

    • Kay Derochie

      Dear Kelly,

      Hearing approval letters can take as long as two months after the hearing.

      Sincerely,

      Kay

  • Amy

    I was approved for SSD based on the independent medical exam which was April 19, 2012. SS said there is a 5 month waiting period which begins the first of the next month. That would mean October would be the 6th month. However my benefits begin mid-November(based on my birthdate). This is 6 months, not 5. And no retro-active to April decision. Is this right?
    Thank you.

    • Kay Derochie

      Dear Amy,

      It is correct that the first five full calendar months of disability are not paid. For you this would be May through September. Benefits are paid in the month following the month for which they are due. Accordingly, it is correct that your first month’s benefit (October) will be paid in November.

      Sincerely,

      Kay

  • Alan Kelly

    I was reached by disability claim service my name is Alan Kelly my phone number was 254 228 9492 do to me not being employed I don’t have that number anymore please contact me on my email account at Alank2008@hotmail.com

    • Kay Derochie

      Dear Alan,

      Disability Advisor is not part of the Social Security Administration. We just provide knowledgeable information. To get the phone number of the Disability Determining Services in your state, you need to call the Social Security Administration (SSA). Their number is 1-800-772-1213. When you call, let the representative know that DDS is trying to reach you and you have lost their phone number. That way they should give you the number.

      Best regards,

      Kay

      • shawn

        I cant find another web site so I hope you can answer my question. I have ESRD I have form 2728 u3 form on file wih
        th DDS office I have been on PD dialysis for about 3 months. I have not received any ssi or persumptive disability he only thing I did get was medicare. Do you know what is going on.. shawna

        • Kay Derochie

          Dear Shawn,

          You are receiving Medicare because you are on dialysis. Typically a claim for Medicare only is processed quite quickly. I suggest that you contact the Social Security Administration to clarify whether or not you also have a claim pending for Social Security Disability and/or SSI disability. Some people work with ESRD while receiving dialysis and Medicare so ESRD may not be a presumptive disability. If you do not have a pending disability claim and believe that you cannot work, you can file a claim.

          Sincerely,

          Kay

          • shawna

            I have a open case with Social Security right now but every time I ask about Persumpive disability I get the run around. and it states on the Social Security sight that if you have allegations of ESRD you are entitled to Persumptive Disability until case is finished.
            If your claim is for Supplementary Security Income (SSI) benefits for disability or blindness, we may make PD or PB payments for up to 6 months while you are waiting for the Disability Determination Services (DDS) to make a final decision. Our decision to grant PD or PB payments is based on the severity of your condition and the likelihood that your claim will be ultimately approved, not on your financial need.

            blank spacer
            NOTE We will base the amount of these payments on your countable income. See our chapter on SSI INCOME for an explanation of countable income.

            You may be eligible to receive SSI benefits right away on the basis of a PD or PB determination if you have one or more of the following medical conditions:
            allegation of end stage renal disease (ESRD) requiring chronic dialysis, and the file contains a completed CMS–2728-U3 End Stage Renal Disease Medical Evidence Report–Medicare Entitlement and/or Patient Registration
            and I have 2728u3.

            • Kay Derochie

              Dear Shawna,

              If you are on dialysis and have submitted a CMS-2728-U3 form completed by your physician confirming end stage disease, I suggest that you go to your Social Security office and ask to speak to a supervisor. Then ask for an explanation of why you are not receiving the presumptive disability benefits.

              Sincerely,
              Kay

          • shawna

            Kay
            they told me i cannot get persumptive disability because I should of filed for beneftis at the inital stage. But my attorneys filed for me is there anyway I can fire my attorneys because I have been doing most of the work for them.

            • Kay Derochie

              Dear Shawna,

              I suggest that you look at the written agreement with your attorney to see if there are terms for terminating the contract. You might also discuss the matter with the Social Security Administration.

              Sincerely,
              Kay

          • shawna

            Kay,
            At my otr hearing the judge disagreed with my onset date. I received a call from my attorney he said that we can change the onset date and only collect SSI. I agreed to the new deal and they said I would not need to go to my hearing but now they said I need to attend. Iam so confused.

            • Kay Derochie

              Dear Shawna,

              The situation is confusing. I suggest that you ask your attorney what issues are to be settled in the hearing.

              Sincerely,
              Kay

    • kimberly cox

      My husband had hearing on september 8 2014 and the vocational person answered that with my husband disability he would be work preclusive
      and the judge agreed what does that mean?

      • Kay Derochie

        Dear Kimberly,

        It means that if the judge believes that the evidence submitted supports that your husband has the limitations that he has claimed, he will likely be approved for benefits.

        Sincerely,
        Kay

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