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

By   /  March 3, 2016  /  765 Comments

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

income and assetsThe Difference Between SSI and SSDI

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

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

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

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

SSI Definitions of Disability for Adults and Children

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

Determining Eligibility for SSI

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

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  • Published: 9 months ago on March 3, 2016
  • By:
  • Last Modified: December 5, 2016 @ 7:30 pm
  • Filed Under: SSI
  • Hi Kay,

    Been reading a lot and Im still unclear on a couple things.
    I have a disabled daughter (undiagnosed but similar to CP-Gtube fed, immobile, etc). I am divorced and she recieves $1260 monthly child support from me. My ex wife states that because of the child support, my daughter is ineligible for any SSI.

    Just trying to help them out and make sure we arent missing something.

    Thank you,

    Jason

    • Kay Derochie

      Dear Jason,

      It is correct that the child support does make your daughter ineligible for Supplemental Security Income (SSI) because two-thirds of it ($840) counts as income and is above the maximum federal SSI payment. If your daughter needs health insurance, she might qualify under the Children’s Health Insurance Program (CHIP). More is available at http://www.healthcare.gov.

      Sincerely,
      Kay

  • Doryian

    My son has recently received a notice of cessation from Social Security, though he doesn’t seem upset about it at all, I am curious as to when they will be releasing his remaining backpay money. I’ve read on their website that they had to pay it in full since his benefits have been terminated. My question is simply how long do you believe it will be before they send him the remaining amount.

    • Kay Derochie

      Dear Doryian,

      As you describe the situation, it may be that your son applied for both Social Security Disability (SSD aka SSDI) and Supplemental Security Income (SSI) and that it is only the SSI that is being terminated due to higher SSD payable. If that is the case, the SSI back pay should be paid within a month of the SSD starting.

      Sincerely,
      Kay

  • Maria P

    My son is autistic, is 17 and receives SSI due to his father’s death. When he turns 18 and qualifies as a disabled adult will he receive the same amount (1040 approx) as when he received SSI or is amount reduced due to him receiving disability when he turns 18.

    • Kay Derochie

      Dear Maria,

      Just to clarify, your son is not receiving SSI, which is Supplemental Security Income. He has been receiving Social Security survivor benefits. The benefits will stay the same if he is approved for childhood disability benefits (CDB) as a disabled adult child.

      Sincerely,
      Kay

  • My brother got letter saying he was approved for social security disability insurance benefits of $970 a month but they are taking the first 2 months in full for back child support and going forward $850 of the $970 for his child support obligation. I do understand that he has to pay child support but do know how he is going to live on that amount. Is there other programs he can apply for? This entire process is new to me and I need pointed in the right direction.

    • Kay Derochie

      Dear Keesha,

      I do not have any suggestions for living on $120 a month other than to apply for food stamps and try to live with a friend or relative who is willing to provide housing for free.

      With regard to the garnishment, my understanding is that the maximum percentage that can be withheld for back child support is 65% of the benefit. So, your brother might respond to the garnishment notice to ask how they calculated. Also, your brother can apply to the court to lower the ongoing child support because his income is lower than when the court ruled previously. In addition, he can ask the court to reduce both back and future child support for the months in which his children are eligible for Social Security dependent benefits. With his relatively low benefit, the children’s benefit will be low, but it still might be worth the attempt.

      Sincerely,
      Kay

  • Joanne

    My 23 yr old nephew has autism and is receiving $600 ssi. His father is working but his mom stays at home with him. He used to work 4 hrs a week and receives about $160 gross a month. The program ended and he is still receiving $600. Is this the maximum benefits he can receive. Is my brothers income taken into consideration in determining his benefits? Other people they know are receiving $800. They are worried that now that he (nephew) is not working, his benefits will get cut off. How do they determine how much benefits one will receive. Is it based on the type of disability and household size. Thank you.

    • Kay Derochie

      Dear Joanne,

      Your nephew’s benefit should go up now that he is not working. He or his representative payee needs to report the cease work and provide proof of the last day of work and the last earnings. His benefit will increase two months after he last was paid. Because he is an adult, his parents’ income does not affect his benefits.

      Sincerely,
      Kay

  • kimmy

    Hi, Kay

    My son was evaluated and diagnosed with ADD and ODD back in July of this year and is on meds. He was also evaluated at school and they said he has a learning disability (SLD) and is currently doing interventions. He will soon be seen for behavioral issues. I took his papers to the local SS office I have an appointment later this month. I wanted to know if he qualifies for anything and if so how much. Both he and I and my other son live with my mom who draws her own SS cause she is 65+, I do not have job.

    • Kay Derochie

      Dear Kimmy,

      I can’t predict whether the conditions your son has qualify him for disability benefits. If he is disabled, his benefit will be $733 a month if your countable assets (what you own) are within the Supplemental Security Income (SSI) limits. You can read about resources and how they affect SSI eligibility in the article “What Are Deemed Income and Resources and How Do They Affect an SSI Application for Children?” under the “SSI” tab at the top of this web page.

      Sincerely,
      Kay

  • Tim

    I receive $1600 in SSDI and $400 in VA disability. My fiancé does not work and cares for her 2 disabled children. Both children receive SSI of $733. She is concerned that getting married will affect their benefits.

    • Kay Derochie

      Dear Tim,

      If you and your fiance marry and you are not paying child support for a child outside the household and the disabled children are the only children in the household, the disabled children’s SSI will drop to about $303 each.

      Sincerely,
      Kay

  • Ally

    My son received Ssi for a couple of years, at a review interview they stopped his benefits and said they weren’t giving them back until I receive child support from my sons father. But, he hasn’t been in the picture for a year and I want to keep it that way. I don’t work right now because I am currently pregnant. Is there any way around this? Can’t they just factor in that I’m getting some child support from him and give me some of the Ssi He would qualify for? I don’t understand why I have to open that huge can of worms in order to get a little help for my son

    • Kay Derochie

      Dear Ally,

      Supplemental Security Income (SSI) law is intended to supplement other income; therefore, the law also requires that you apply for any other benefits that your son may be eligible for; however, as far as I know, that law does not apply to child support, which is not a benefit program. I suggest that you appeal the termination of your son’s claim based on the law not requiring your to file for child support for your son. You might try referencing Social Security’s POMS regulations, specifically SI 00510.005, provision A, which lists the benefits a person must apply for. You can review these regulations online at https://secure.ssa.gov/apps10/poms.nsf/lnx/0500510005.

      Sincerely,
      Kay

      • MySon

        Hello Kay,

        My son received a check today for $2***.. I am assuming it’s for back pay. He hasn’t received a reward letter yet nor have I(his representative payee/mom) received the package to set up direct deposit. What should I do? I’ve added him to my back account. What should I do as far as to the direct deposit?

        • Kay Derochie

          Dear MySon,

          You should not deposit the check to your account because you should not mix your funds with your son’s. You should receive a letter soon that will show you are his payee. When you receive the letter, take it and the check to the bank and set up a bank account with a title “your son’s name by your name, representative payee.” This will show that the money belongs to your son, but you are the only one with access. Once the bank account is set up, you can report the account information to Social Security so that future payments are deposited directly.

          Sincerely,
          Kay

          • MySon

            Ok, Thank you very much Kay

            • Kay Derochie

              You are welcome.

              • MySon

                Hello Kay, My son received his award letter in today. He received most of his back pay on Saturday. I am his Rep Payee. He paid us his shared expenses for June-Nov. His monthly expense is $244….. He’s only getting 516 a month Starting in Dec…. He paid his $244 for Dec and Jan….Should I send a letter saying he has paid his monthly expense for Dec and Jan, so he can get the Max of 733?

                • Kay Derochie

                  Dear MySon,

                  Yes, you should report that your son paid his established share of expenses in advance for December and January using his back SSI benefits to make the payment. You may be asked for proof of household expenses if you have not already submitted them. The increase will occur in the February benefit because income changes that do not cause ineligibility take effect two months in the future. If you do not receive a Notice of Change letter by about January 5, call 800-772-1213 to find out if he his scheduled for an increase. If not, visit the office to make the report again.

                  Sincerely,
                  Kay

    • crystal barham

      Dear kay, I can’t find my questions I sent u last night to c if u responded so I’ll just ask again. We r a family of 4. My husband is the only one that works bringing home $2700 gross monthly. We have 2 kids. Our 10 ur old has add/adhd and takes meds for it. I havr filled ssi for her.The kids have no income and neither do i. Hubby is the only income and it’s all earned income. There is no unearned income in our household. We pay about $900 a month on lot and mortgage payment and $500 a month on food. What other expenses do they count? We r paying off a mobile home and we have 2 vehicle that r paid off. How much do u think she will get in benefits? Should I apply after I apply her to c if I get approved? I have severe sciatica pain. And emotional distress cuz of my dad passing in may.

      • Kay Derochie

        Dear Crystal,

        You are having trouble finding your comment and my response because you posted under a different article. Here is what I answered:

        The first financial review is of resources (assets). The Supplemental Security Income (SSI) program allows you and your husband to have $3,000 countable resources including accounts,cash, some kinds of life insurance, second vehicles, etc. The vehicle with the lower value will count toward that limit. If your assets are over $3,000, you will not be eligible. However, your daughter could be if her countable assets are $2,000 or less. Any excess about $3,000 you and your husband have will count toward her limit.

        If you and your daughter have assets within the limit, based on your family income and family composition, if only your daughter is eligible, her benefit would be the maximum $733. If you also apply and are approved, your benefit would be about $26, and your child’s would be $733. In most states SSI eligibility leads to Medicaid eligibility also.

        Sincerely,
        Kay

  • Andrew

    Hello,

    I have a very specific question. My ex-wife and I adopted our daughter at birth. She was born with several disabling conditions. Because of the adoption, she qualified and receives an adoption subsidy and Medicaid through the state.

    Previously, we were told she could not receive Social Security and the subsidy.

    My question is this–my wife and I have divorced and she has full custody, though I have unlimited contact (we agreed to this so that our daughter could keep her routines for night time/wake up, but she spends a lot of time with me). That said, if I died, despite the adoption subsidy, would my daughter still get monthly survivor benefits? (My ex and I were married 8 years). So would she be eligible for the subsidy and Medicaid AND survivor benefits if I were to die? I know it’s a specific question but I am constantly thinking about her and her well-being.

    • Kay Derochie

      Dear Andrew,

      I suggest that you double-check about the information you received or remember receiving. I think it is possible that you were told that your child could not receive both adoption subsidy and Supplemental Security Income (SSI) disability benefits, which is not a form of Social Security but a needs-based public assistance program.

      Social Security is an earned benefit that a worker can earn and pay taxes for to insure himself and his family. Because of this, I think that when you retire and receive Social Security retirement (or become disabled and receive Social Security Disability), your daughter will be eligible for dependent benefits. Similarly, when you die, she will be eligible for survivor benefits. If she is under age eighteen (or under nineteen if still in high school), she will qualify based on age. If she is no longer a minor and is unmarried, she can receive Childhood Disability Benefits (CDB), which are paid to unmarried adult children who become disabled before age twenty-two. Your former wife will not be eligible for benefits on your earnings record because you were married less than ten years.

      Sincerely,
      Kay

    • Brit

      I make 2300 gross income a month and my daughter is disabled. We had a child support hearing with her dad. We have joint custody now. When she was approved for disability he wasnt living with us.I told them we were living tsuppose now. If he has his own job and does not pay on nothing or contributes to the household will they go by his income. He is supposed to be getting a job. Wat would her total be bc she was getting 733.00 a month before i got more hours.

      • Brit

        I told child support we r living together now.

        • Brit

          Child support said i owe the her dad. Im the mother of her. The judge said i owe the father 500 dollars bc i make more than the dad. Would her dad be able to get her ssi or it be split or would the social security office need him for anything. How would i be able to just take us all off the child support system he dont owe nothing and i dont owe nothing.

          • Kay Derochie

            Dear Brit,

            Please see my response to your first post. Social Security will not split a payment. The parent who has primary physical custody (the parent with whom the child spends most of her time) is usually the payee. If payee should give the other parent SSI money for the child’s food when she is with him or her. I suggest that you consult with a family law attorney for assistance with your child support questions.

            Sincerely,
            Kay

      • Kay Derochie

        Dear Brit,

        Your post has some typographical errors in it, so I am not sure I understand your situation. Here is some general information:

        1. If your child’s father is living in the household, his income and assets will be considered in determining her eligibility.
        2. If he is not living in the household and pays court-ordered child support, two-thirds of the support counts as your child’s income.
        3. If he is not living in the household but contributes to your household expenses, how that contribution would be treated would depend on the specifics of the situation.
        4. If you are the only parent in the household and you have no other children, your $2,300 gross earnings will result in your child’s SSI being reduced to about $369. With two parents in the household, your child’s SSI will be about $715.

        Sincerely,
        Kay

        Sincerely,
        Kay

        • Brit

          I told juvenile court we r living together sumtimes he stays but most of the time he doesnt. We have joint custody. I make 2300 in gross wages. How would they get his income would he have to go with me to the social security office. I doesnt pay on nothing or food. I still have custody. The reason we have joint custody is bc i told them we stayed together. No child support is being paid.

          • Brit

            How does social security change payment to ssi do they look at it every month before they give u your childs ssi payment. Do they look at it when u r up for review then if they give u overpayment wat do u do then

            • Kay Derochie

              Dear Brit,

              You are responsible for reporting changes in income and living arrangements by the tenth of the month following the month of the change. You are also responsible for reporting if your child’s resources (assets) go over the limit. Timely reporting avoids overpayments. Then once a year, a full review and redetermination of your child’s eligibility is done. The review covers the period of time since the last review. If you have reported all changes as they occurred, the review typically won’t cause any change in benefits.

              Sincerely,
              Kay

          • Kay Derochie

            Dear Brit,

            It sounds as if your child’s father maintains a home elsewhere and sleeps over with you sometimes. If that is the case, your residence may not be determined to be his residence. You can present the facts to Social Security and let them make a determination about whether your child’s father lives with him. If they determine he does, they will ask him to provide a statement about his income and assets and will ask him for any proofs that are needed.

            Sincerely,
            Kay

  • Yolanda

    Hello, my mother who lives with me receives SSI in the amount of 488.67 and 87 for ssdi. She gives me 460 each month for rent and other living expenses. I lost my job in June and receives unemployment. We never reported to social security that I lost my job. Should this have been reported? Would she be able to get an increase in her benefits? She also receives 194 for SNAP benefits. I would like to know if she is eligible for any increase or back pay since I am currently not working. Thanks

    • Kay Derochie

      Dear Yolanda,

      Your income does not affect your mother’s benefits; however, if she is paying fair market value for rent or for room and food or she is a member of your household paying her share of shelter and food (or just shelter if she buys her food separately), she may be eligible for an increase in SSI benefits.

      Fair market value (FMV) for food would reasonably be the maximum food stamp grant for one person, which is $194.00.
      FMV for room is the amount such rooms are renting for in your 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.

      Your mother’s share of household expenses is the total expenses 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.

      Sincerely,
      Kay

  • Marie2010

    I’m thinking about letting my job go my husband have income coming in if I let that job go will my son start back getting his full benefits again.. it got cut down

    • Kay Derochie

      Dear Marie,

      Yes, with only your husband’s income, your child would receive unreduced SSI, but your family would have considerably less income to live on.

      Sincerely,
      Kay

      • MySon

        Kay, My son had his interview at the ssa on Oct 12th. She said he will receive a reward letter in 5 to 7 days. He’s hasn’t received one yet should he be worried? I’m his representative payee can I call ssa to check on his application?

        • Kay Derochie

          Dear MySon,

          Probably the representative got busy and your son’s claim was set aside temporarily. As his representative payee, you can call the local office to check on the status.

          Sincerely,
          Kay

  • Janelle Haines

    Kay-

    When I originally applied for disability I was married and was told our income is too high to for me to be eligible for any supplemental income. I have not worked in over 4 years and have no income of my own. I am leaving my husband, but without any sort of income it’s hardly possible. Am I elegible for any SSI if I have access to no other income? Thank you.

    • Kay Derochie

      Dear Janelle,

      Once you have separated from your husband, you can apply for Supplemental Security Income (SSI).

      Sincerely,
      Kay

  • Stephen J Shuler

    I’m 26 and I was born with an severely underdeveloped right hand with no fingers. My right foot is also partially underdeveloped as well. Ive applied an have been denied 4-5 times throughout life. I was once even brought in to be evaluated ( Of course by a doctor of there choosing ).

    I’ve been employed for almost a year making between $300-500/month part-time at Home Depot. its starting to become extremely difficult to work without putting to much strain on my body lifting and using just one so frequently. I haven’t even mentioned the two car accidents that left me with chronic mid-lower back pain. I love working but as I mentioned its putting to much strain on my left hand especially my thumb.

    Not sure where to go or look next…

    • Kay Derochie

      Dear Stephen,

      The amount you are working does not keep you from applying for Social Security or Supplemental Security Income again. If you do, list all your conditions. If you are denied, you can appeal. However, because there is a possibility that you do not qualify for disability benefits, I strongly recommend that you simultaneously contact your state’s Department of Vocational Rehabilitation and/or Employment office and/or a non-profit such as Goodwill or the Easter Seal Foundation to see if you qualify for training or job placement into a occupation that is not physical. You might be trained for some kind of an office job that you could do with the help of a voice-activated computer or some other occupation such as a security camera monitor that would require little or no use of your hands and no lifting.

      Sincerely,
      Kay

  • katrinac

    Hello I receive ssi benefits for my 2 sons who are autistic. They have recently changed my hours at work and I’m having trouble getting them nightly child care. I hate to quit my job. I earn 1800 monthly. If I was to quit , whats the highest benefits my sons will receive?

    • Kay Derochie

      Dear Katrinac,

      The maximum federal SSI each child can receive is $733. There is also a possibility that you could be eligible for In-Home Support Services (IHSS) payments for providing care for your children if they are severely disabled. Another option would be to check with Social Services to find out if there are any agencies that certify caregivers who might provide night child care for you. Lastly, you could try begging your employer to put you back on days so that you can keep your job.

      Sincerely,
      Kay

      • Diamond

        Hello ms Kay I have send 2 questions and I can’t find the question or answer

        • Diamond

          Never mind it just popped up out of no where

          • Diamond

            I hate to write under someone else stuff but I didn’t know where to ask the question at I’m still waiting on a response

            • Kay Derochie

              Dear Diamond,

              Responses are typically provided within one to three days. Your question was answered earlier today.

              Sincerely,
              Kay

      • Brittney Bowie

        I tried applying for ssi because my son father was murdered in 2010 so i need finacial help to take care of my son. I applied shortly after his death. Social security said “his father did not work enough and did not have enough points”.
        Now im hearing about the supplemental security income. On top of that i see a psychiatrists and have been diagnosed with depression, anxiety, bi polar since november 2015. Even before my diagnosis i have hardly worked all my life just barely. Would my son be most likely eligible for a supplemental security income or the both of us?? Pls help

        • Kay Derochie

          Dear Brittney,

          For your son to be eligible for Supplemental Security Income (SSI), he has to be disabled. If you believe that you are mentally unable to work, you can apply for SSI for yourself. In the meantime, if you are not receiving Temporary Assistance for Needy Families (TANF), you might inquire about those benefits at your local state or county social services office.

          Sincerely,
          Kay

    • Diamond

      Hello my 2year old son has jmml cancer he was approved for ssi but I’m not sure how much though my income from job is 2,390 a month his child support is 336 a month they say I they do give him something but back pay from March till now because I apologies in feb 2016 but he was diagnose july2015 should they go back that far and how much you think he will receive months ??

      • Kay Derochie

        Dear Diamond,

        If your $2,390 wages are gross earnings and there is only one parent or stepparent in the household and no other children, your disabled child will be eligible for about $100 a month and in most states Medicaid.

        Sincerely,
        Kay

        • Diamond

          Yes I have 4 kids and it’s just us in the house hold

          • Kay Derochie

            Dear Diamond,

            Based on the additional children in the household, I estimate that your disabled child’s benefit will be about $529.

            Sincerely,
            Kay

            • Diamond

              Ok thank you I’m just waiting on them to send me a letter and possibility back pay

              • Kay Derochie

                You are welcome, Diamond.

                • Diamond

                  Hey just A update you where technically right and plus they giving him bcis pay …but question should he receive back pay from when he was diagnose or whenever I applied??

                  • Kay Derochie

                    Dear Diamond,

                    Supplemental Security Income (SSI) benefits begin the month after application unless application was made on the first of the month in which case benefits start with the month of application.

                    Sincerely,
                    Kay

  • Hi, if I receive SSI and they cut my check because I got married but now my husband has been laid off from work will got my full payment back now that he is not working.

    • Kay Derochie

      Dear Tonja,

      Report your family income changes so that your benefits can be recalculated. Whether or not you are eligible for an unreduced benefit depends on whether your husband gets unemployment benefits.

      Sincerely,
      Kay

      • MySon

        Hello Kay, I sent a new question on 10/14, but I can’t find it.

        • Kay Derochie

          Dear MySon,

          Questions are posted when they are answered. Your question and answer were posted today under the SSI article where you left the question, “Why Do I Have to Say Who Lives with Me and Who Pays the Household Expenses?”

          Sincerely,
          Kay

  • Hello i want to apply for SSI for my 8yr old he was diagnosed with ADD and ADHD he also has an iep in school and i am considering to give him medication because his state is not helping him focus in school.. so my question is if i apply will they want to put my sons father on child support which i font want.. i have food stamps and live in low income i make about 900 a month will i get approved if i give them all the requirements from his psychiatrists.. will they give me a problem ?

    • Kay Derochie

      Dear Jennifer,

      Applying for Supplemental Security Income (SSI) will not result in a child support suit being filed. If your $900 income is work earnings, your child will be eligible for $733 if he is medically eligible.

      Sincerely,
      Kay

      • Nichole ryan

        I make 2307 a month and my son is on disability how much will my son get

        • Kay Derochie

          Dear Nichole,

          If your $2,307 earnings are gross earnings and you have no other children in the household, your son’s SSI benefit will be about $365.

          Sincerely,
          Kay

  • crystal

    I had a quick quedtion, my son received ssi, and I just received a letter that he won’t be receiving anything for the month of November because my husbands income in September meet the limit. My husband gets paid bi weekly so the month of September he got paid 3 times. Does ssi count all 3 pay checks and is this the reason why my son won’t be receiving anything for November?

    • Kay Derochie

      Dear Crystal,

      Your understanding is correct. His benefits will start again in December and you can expect him to be ineligible twice a year when your husband gets three paychecks.

      Sincerely,
      Kay

  • Karyn

    I am really confused (I have TBI’s & am physically disabled & unable to work). I am a single 47 year old mother that has been on SSDI for 16 years, my son just turned 18. I get $1095. from SSDI & food stamps & medicaid. My son is renting his room from me now for $400 a month incl. trash util. etc. to help him save to move out. Should I be eligible for SSI? I own my house (20 years) but it is not worth what it should be because of foundation problems & age. Also my 2 ex husbands who ran off with everything added their debt into my mortgage & I am barely getting by. My sons father owes over $100K in support but is a car salesman & 56 and the courts do nothing to help & child support services has gotten nothing & doubt they ever will. I’ve sold anything I’ve had of value over the years to support my son. Should I even try to apply for SSI? It’s almost impossible for me to deal with medicaids paperwork every six months to a year as is is difficult for me to understand due to the TBI’s.

    • Kay Derochie

      Dear Karyn,

      Your Social Security is above the Supplemental Security Income (SSI) income limits, so you are not eligible for SSI. You might consider applying for SNAP (food stamps) at your state or county social services office. Another option might be to try to refinance your house while the interest rates are low, thus lowering your mortgage payments.

      Sincerely,
      Kay

  • Bee

    My 3yo old daughter receives Ssi & has for 3 years due to prematurity, failure to thrive, etc. I have been unemployed & low-income for all for those 3 years until last week. Originally, she received the full grant, then it was reduced by $200. What reasons would she not receive the full grant? Because I receive Food stamps? Or because of my living arrangements? I did live with someone but maintained muy own household & paid bills.

    • Kay Derochie

      Dear Bee,

      Your child’s SSI was likely reduced due to living arrangements. You say that you maintained your own household, so I assume you were paying a flat amount in room rental. If that is the case, get a statement from your landlord that you were a roomer and paid a certain amount for rent and purchased your and your child’s food. If you paid fair market value for the room, benefits should not have been reduced. If you paid less than FMV but the difference between FMV and what you paid was less than $264.33, it is possible that the reduction should have been less.

      You can figure out a fair market rental rate by looking at ads for room rentals in your area or by inputting your 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

  • Jennifer

    Hi, my twin sons have received ssi in the past and stopped receiving it when our income increased. Our income decreased again, what steps do I take to get it back. My husband makes approximately 3200/month. 15.78/hrs for 45 hrs

    • Kay Derochie

      Dear Jennifer,

      If your children have been financially ineligible for less than twelve months, you can just submit pay stubs to show that family income has gone down and benefits will be restarted. If it has been more than twelve months, you have to file new claims for your sons and get new medical decisions.

      Sincerely,
      Kay

  • Mary Woodward

    Hi, my son is 3 years old and he is blind along with other medical issues that require very costly frequent prescriptions. I do not work and I stay home with my son right now and he receives sssi..well my question is Me and my boyfriend want to get married but my boyfriend makes a little over 5000 a month, my boyfriend is not his biological father but I’m curious if I marry him, will the Income he makes interfere with my sons ssi and Medicaid? The cost of one of my sons medications is 100,000 for two injections.. he requires two a month. With Medicaid the co pay is $0 but regular insurance I imagine the co pay would be around 20% which I don’t imagine anyone would be able to afford? Is there a way I can get married and still have my son keep all his benefits? Even if not the ssi but still keep the Medicaid Since the man I’m marrying is not his parent? Please let me know whenever you can please

    • Kay Derochie

      Dear Mary,

      If you marry your boyfriend and you and your son live with him, his income will be considered in determining your son’s eligibility for SSI. Your boyfriend’s income is too high for your son to receive benefits. (You and he would have to be supporting four other children for your child to be eligible for SSI.) It is likely that $5,000 a month would result is loss of Medicaid with a zero co-pay, but I suggest you check with the Medicaid office to see if your family would be eligible for a buy-down Medicaid eligibility, where you pay a certain amount per month for medical care and Medicaid picks up the rest.

      Sincerely,
      Kay

  • Heiress

    my husband used to receive disability benefits then, when he turned 18 his mother told him it’s best if he stopped receiving them so that he can work full time. Now that we are married we have one child Maybe mentally disabled like my husband. Would my husband still be able to qualify and if that will have any effect on my child’s ability to qualify?

    • Kay Derochie

      Dear Heiress,

      If your husband has worked and is now unable to work, he can apply for Social Security Disability (SSDI). If he has worked little or not at all, he can also apply for Supplemental Security Income (SSI). Both your husband and your child can receive SSI if they qualify medically and the family income and assets are low enough. You can learn more about SSI by reading additional articles under the SSI tab at the top of this webpage.

      Sincerely,
      Kay

  • Jennifer

    I recive survivor benefits for my children and I get widow benefits for me my husband also had another kid who receives benefits how is the money dispersed after each child is taken off one of my kids is gonna be 18 where does that go?

    • Kay Derochie

      Dear Jennifer,

      When a child is no longer eligible, the money is either paid out to the remaining survivors or simply stops and is not paid out because no one is eligible for it. The latter happens when the remaining eligible persons are already receiving the maximum percentage of the deceased worker’s Primary Insurance Amount that they are eligible for.

      Let me describe how that works. If the Maximum Family Benefit (FMB) is currently being paid, when one child becomes ineligible, the total amount of money now being paid to all the eligible survivors will be split among you and the minor children who remain eligible up to the maximum payable to any one survivor. Each child can potentially receive 75% of the deceased worker’s Primary Insurance Amount, but the actual amount is limited by the FMB when multiple people receive benefits on the amount. The FMB also applies to your widow’s benefits. If you are receiving benefits because you have a child under age sixteen in your care, your maximum potential benefit is 75%; if you are eligible based on being disabled and age fifty or based on being age sixty or over, your percentage is governed by the age at which you started to receive benefits. If you are receiving benefits because you have a child under age sixteen in your care and you don’t meet the disability or age requirements, your benefits will stop when the child turns sixteen. If you are receiving based on age or disability, your benefits will continue at your benefit percentage. The money paid to the children will not be paid out because no one is eligible for it. It stays in the Social Security trust fund. (Note that nearly always much more in benefits are paid out than the amount the worker paid in taxes.)

      Sincerely,
      Kay

  • Liza Camacho

    Hi ,I was wondering of my sons ssi payments they were lowered down to 10 dollars a month.and he is down syndrome. There saying I’m making 2000 a month.I’m a single parent.would that be right.if that’s supposed to be his checks for life. Wouldn’t he be getting the full amount. I really don’t understand how this works.

    • Kay Derochie

      Dear Liza,

      Supplemental Security Income (SSI) is a public assistance program that pays benefits to disabled and aged people who have limited income and assets. When the disabled person is a child, the income of the parents living with him is considered in determining payment amount. If your child is still disabled when he turns eighteen, your income will no longer affect his benefits.

      I cannot tell whether the $10 benefit is correct or not, but it seems low unless your child has other income such as child support or in-kind (non-cash) income in the form of free or subsidized housing. Are there months in which you get an “extra” paycheck, such as five weekly or three bi-weekly paychecks?

      Sincerely,
      Kay

  • joseph

    Hi question i have is i am on ssi my next back pay will be march 2017 it will be over 2600 what will happen to my ssi will i loose my ssi because of my back pay.

    • Kay Derochie

      Dear Joseph,

      Social Security and Supplemental Security Income (SSI) back payments start counting as a resource on the first of the ninth month following the month in which you received the benefits.

      Sincerely,
      Kay

  • Jordan B Nelson

    Why my comment delete?

    • Kay Derochie

      Dear Jordan,

      Your comment was posted and answered on September 7.

      Sincerely,
      Kay

  • Jordan

    Hi I’m Jordan and hard of hearing. I have ssi and Medicaid n my kids medcaid . I get 731 a month and my boyfriend make under $2000 a month and I would like to know will I lose everyrhing ?
    Jordan

    • Kay Derochie

      Dear Jordan,

      Your boyfriend’s income does not affect your Supplemental Security Income (SSI) benefits. If he give you month or lives with you and pays more than his share of the shelter and/or food expenses, it will cause your SSI to be decreased. His share is the total expenses 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.

      Sincerely,
      Kay

      • Jordan B Nelson

        I mean if I get marriage will I lose my ssi and Medicaid?

        • Kay Derochie

          Dear Jordan,

          To tell you the impact of marriage to a spouse with $2,000 gross wages, I need to know the number of minor children and student children under age twenty-two.

          Sincerely,
          Kay

          • Kay Derochie

            Dear Jordan,

            If you are medically approved for Supplemental Security Income (SSI), with your husband’s wages and two minor children, your SSI payment would be about $520 in months his income is included in the calculation. Note that income counts two months later. This means your SSI will increase in January, February, and March because he will have no income in November, December, and January.

            Sincerely,
            Kay

          • Jordan B Nelson

            Thank you so much. Jordan

            • Kay Derochie

              You are welcome, Jordan. Take another look at my response because right after I posted it. I added information about payment patterns.

      • Cori

        Kay, I just recently found out im pregnant. I am currently receiving SSI. They already know about me living with the boyfriend. Does having a baby affect anything? We split everything, he has his own acct/bills and I have my own acct/bills. We have never “shared” anything it has always been strictly “what’s mine is mine” and “you worry about your part” yes its a weird relationship lol

        • Kay Derochie

          Dear Cori,

          When the child is born, your share of shelter and, if you share food, food expenses will drop to one-third of the total expenses. As long as you pay at least one-third, your SSI should not be affected by the birth of the child.

          Sincerely,
          Kay

          • If my mother is on SSDI and I am unemployed at the moment can I get paid from the state.to take care of her .

            • Kay Derochie

              Dear Joan,

              The In-home Support Services program may be available in your state. If so, it pays wages to someone caring for a severely disabled relative. Check with your state or county social services office to see whether the IHHS is available and, if so, whether you qualify for compensation.

              Sincerely,
              Kay

  • Jacuelyn

    If im a single parent and recieve SSI am i able to claim my kids cause im not able to work at all. People tell im not abl to claim my kids while im on SSI i need help

    • Kay Derochie

      Dear Jacuelyn,

      I understand your question to be a tax question. If so, I suggest that you talk with a tax accountant. If on the other hand you are asking whether your children can get benefits as your dependents, the answer is no if you are receiving Supplemental Security Income (SSI) because SSI does not pay dependent benefits.

      Sincerely,
      Kay

      • Hi Kay my two kids father is currently on ssi and I have a child support case in the works in Oklahoma should I continue with it or will nothing come out of it and should I just drop it and move on with taking care of my kids by myself as I have been doing. And thanks for your response.

        • Kay Derochie

          Dear Tasha,

          I cannot advise you on whether or not to pursue child support; I can provide some information. If the father of your children is receiving Supplemental Security Income (SSI), his benefits cannot be garnished for child support and the maximum amount he can be receiving is $733 (slightly more in some states). If he is receiving Social Security Disability (SSD) and has a child support order and does not make payments, his SSD can be garnished. If he is receiving SSD, I recommend filing an application for you children to see whether Social Security dependent benefits are payable on his account.

          Sincerely,
          Kay

  • Angel

    I have COPD .I been fighting for ssdi for over 6 yrs. All they keep telling me is denied I have to take 6 different pills inhalers the machine I can’t even keep a job anymore.does any one have an idea what I can do . because I don’t know what else to do .any one pls .I have worked all my life and yet nothing

    • Kay Derochie

      Dear Angel,

      You do not say whether you have appealed any of the denials or whether you have an appeal pending. If you do not have an appeal pending and you are outside the appeals period for your last denial, you can file new Social Security and Supplemental Security Income disability applications, claiming a disability date of the day after the last denial. Then get an attorney and appeal all the way if you really cannot work in any occupation.

      Sincerely,
      Kay

  • Angel

    I am a single mother of 1 daughter who is eligible for disability and I child who is not, I make $1500 a month approximately how much would my child be able to get for SSI?

    • Kay Derochie

      Dear Angel,

      If your disabled child does not have income and your $1,500 earnings are gross earnings, and you are paying for all your family’s shelter and food expenses (with or without food stamps), your child will be eligible for the maximum federal payment of $733.

      Sincerely,
      Kay

  • sabrina

    I am a single mom i just started working and make 2514 a month payed on the 5th and 20th. I have a daughter on ssi and a son thats not will she loose her ssi because i make to much?

    • Kay Derochie

      Dear Sabrina,

      If your son does not have income, I estimate that your daughter’s SSI will be reduced by about $288.

      Sincerely,
      Kay

  • Mandy

    Hello,
    I will be a single mother of an autstic child. I am currently working and collecting $28 a month for him from SSI. I am in fear that i am about to lose my job due to the care of my son, therapy,appts, flares school,needing more care,etc. My living situation will also change, i am worried about how i am going to take care of my son in the event i am unable to work anymore. He is needing more and more care and his therpaist and doctors are suggecting i be a stay at home mom to care for him. Would anyone know if i am able to continue collecting and if my payments would go up if i lose my job or is forced to quit my job of 12 years to care for my son?

    • Kay Derochie

      Dear Mandy,

      If you become unemployed and any unemployment benefits you receive are not too high for your son to be eligible for SSI, his SSI will continue. If you do not get unemployment, his SSI will increase to $733 if you are paying for all his shelter and food costs (with or without SNAP benefits). I also suggest that you check with your local Social Services office to find out whether your state has In-Home Support Service(IHSS) payments for individuals who care for severely disabled relatives and whether IHSS payments are made in a parent-child care situation.

      Sincerely,
      Kay

  • jen c

    so I have 2 daughter’s.one of my daughter’s is on ssi and getting 801 every month. my other daughter just got approved and waiting on first payment. I also get 686 for reach up.. how much will my daughter that just got approved recieve each month?

    • Kay Derochie

      Dear Jen,

      I am unable to reply because I do not know what the “reach up” payment is. Please explain and I will try to respond.

      Sincerely,
      Kay

  • rose vieira

    hi kay my name is rose i recently filed for ssi/ssdi but i hav benn disabled since 2012 i have an interview on thee 18th of august but i dont know if i will get back pay i have a 5 year old living with me and we live off food stamps will this affect the back pay

    • Kay Derochie

      Dear Rose,

      Having a child live with you and receiving food stamps will not affect your eligibility for SSI.

      Sincerely,
      Kay

  • Lynn

    Hi I’m receiving social security and am currently engaged. If I were to get married would I lose my social security. I got it because I’m physically and mentally not able to work. Been that way since birth. Or would i have to check in with the people at the social security office.?

    • Kay Derochie

      Dear Lynn,

      If you are receiving Social Security Childhood Disability benefits on the earnings record of a disabled, retired or deceased parent, your benefits will stop when you get married. If you are receiving Supplemental Security Income (SSI) because you are disabled and have limited other income and assets, whether or not marriage would affect your benefits depends on how much income and assets your spouse has. You can take that information to Social Security before you marry to get a preview of the impact of marriage on your SSI. More information is also available in the article “What Are Deemed Income and Resources and How Do They Affect SSI Payment Amounts and Qualifying for SSI Disability?” under the SSI tab at the top of this webpage.

      Sincerely,
      Kay

  • Erik Totten

    I only make so much a month which is not even close to getting my own place or pay bills how can I increase the payment, or Am I bound to live on the streets and beg for food and clothes?

    • Kay Derochie

      Dear Erik,

      You do not say what type of income you have or the amount, so I don’t have suggestions on how to increase your income. You might lower your expenses eventually by getting on a waiting list for government-subsidized housing in which the rent is based on your income.

      Sincerely,
      Kay

  • shelly

    Case Description
    My Son was getting SSI for a couple years , then my husband his apply for early Social Security. When my husband apply they put my son on his Social Security . Well My Husband work too many hours and owes Social Security money. But their also taking my son money, If he was still on SSI he still be getting his own money. Son buy his own food and over counter meds for hives, and personal needs, also he pays rent. He has a disability make hard for to work. He didn’t want to on his dad Social Security, Social Security told us to do that. My son is 28 he need his own income.

    • Kay Derochie

      Dear Shelly,

      If your husband’s overpayment is correct, it is likely that your son’s Social Security overpayment is correct also. If it is, then the months of benefits he was not eligible for and has to pay back should not count as income for SSI. I suggest that your son request a redetermination of his SSI benefit amount for the months that he was not eligible for Social Security dependent benefits.

      Note that if he is eligible currently for dependent benefits that are being withheld, the amount he is eligible for counts for SSI even though he’s not getting the benefits or all of them because they are being withheld for the overpayment past months. Stated a different way, the months for which to request recalculation of SSI are the months that he was overpaid Social Security, not current months. When he requests redetermination, it would be helpful to submit a copy of his Social Security overpayment letter that shows the months he was not eligible. One final note: Social Security in one month affects SSI payment amount two months later. So,if he was ineligible for Social Security and was overpaid in January 2016, his March SSI should be calculated without any Social Security.

      Sincerely,
      Kay

  • olicia

    I was recently approve ssi/ssdi and then after one check of ssi i was told by customer service i will no longer receive ssi only ssdi because i am receive $729.00 and ssi is allow only $733 not sure how they expect for me to survive on that with a child,but question is if i pay rent and let SSA know will i get back my ssi since my $729 will go towards rent

    • Kay Derochie

      Dear Olicia,

      Please tell me how much your SSI was before the SSDI started and what your living arrangements are (with whom do you live and how much, if any, you pay for rent, shelter utilities and food if you share food. Shelter utilities are 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. Then I will be able to answer your question.

      Sincerely,
      Kay

  • Quinton Williams

    Hey I have still in processing SSDI will pay back to me in 6 month if I get it approve since April got applied SSDI but I have to SSI and part time work??

    • Kay Derochie

      Dear Quinton,

      If I understand you correctly, you receive Supplemental Security Income (SSI) and work part-time. If you are approved for Social Security Disability (SSD/SSDI) and your SSD is more than your SSI, you will be paid any back benefits that are due, reduced by the amount of SSI paid to you for the same period. Back benefits would begin the later of twelve months before you filed your application or as far back as the date you became insured for SSD.

      Sincerely,
      Kay

  • Quinton Williams

    Hey I want know SSDI will pay back to me in 6 month if I have to SSI and part time work??

    • Kay Derochie

      Dear Quinton,

      Please see my reply to your slightly longer second question.

      Sincerely,
      Kay

  • mercedes

    my mother past away 3 years ago and she had three checks before she past away that I gave to a nursing home to pay for her stay there. they never cashed them . then my mother pasted.SS They told me to bring the checks back and they were they sent me a form i filled it out and still nothing that money is the nursing homes…… how can i take care of this

    • Kay Derochie

      Dear Mercedes,

      If two or three months have passed since you returned the checks, ask the local office to follow up to the payment center for release of the funds. Let the nursing home know that you are still trying to get the money reissued. When you do get the payments, do not turn checks over to the nursing home; cash them and write them a personal check or buy a cashier’s check to have proof of having paid the nursing home bill.

      Sincerely,
      Kay

      Sincerely,
      Kay

  • Jennifer

    Hi Kay, My 19 y.o. daughter receives SSI at $487.67. Upon graduating this June, I have since stopped receiving $398.00 monthly in child support for her. This is the only income we have in the household. I have given notification/proof to Social Security of the income change alittle over a week ago. Will her SSI go up to the maximum? Thank you in advance.

    • Kay Derochie

      Dear Jennifer,

      I am having some trouble reconciling the figures you are providing. The Supplemental Security Income (SSI) federal maximum benefit (FBR) is $733. Child support of $398 would result in an federal SSI benefit of $355. Also, the figure $487.57 is very close to $488.67, the amount paid to a person receiving support and maintenance in the form of free or subsidized housing and/or food but no other income. All this makes me wonder whether the child support was being counted previously.

      That aside, to answer your question: For your daughter to receive the maximum benefit, she would need to have no other income including support and maintenance in the form of free or reduced-price housing and/or food. So she needs to either pay fair market value (FMV) for room and buy her own food or pay FMV for room and board or pay her share of shelter and food. (Sometimes it is hard to prove a business rental relationship with an adult child because it is likely you would evict.)

      Fair market value for food would reasonably be the maximum food stamp grant for one person, which is $194.00.
      FMV for room is the amount such rooms are renting for in your 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.

      Share is the total shelter (and food if food is shared) costs 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.

      If your daughter doesn’t have enough monthly income to do this, she could save up her SSI until she has enough saved to cover her share or FMV for two months. If she does this, she should save in a bank account to prove she had the money available. SSI would increase two months after she starts to pay her share or FMV.

      Sincerely,
      Kay

  • My son is 11 years old and is receiving SSI . I have 10 years working at my job.We were in a car accident in May and i lost my vehicle it was a total loss and the insurance company paid off the bank 15 thousand and some. I didn’t receive any money and i don’t have the money for a down payment on a vehicle.I am not having any luck on getting a vehicle. I’m afraid that im going to lose my job. I’m concerned that my son will lose his SSI if i lose my job and i don’t work for a while. Will he lose his SSI ? I’m supposed to be returning back to work in August.

    • Kay Derochie

      Dear Norma,

      Your child will not lose his SSI benefits because you are not working. You do need to report the loss of wages and if you are getting compensation for wage loss due to the accident, you do need to report that income so that his SSI can be recalculated due to the change in parental income.

      Sincerely,
      Kay

  • Sammy

    Hello,

    My daughter is 20yrs old, she has a learning disability and lives with her mother in another state, she is concerned that her mother has been receiving SSI for her disability and withholding this information from her, what should she do? and what can I do on my end to assist her as she does need help do to her disability.

    • Kay Derochie

      Dear Sammy,

      Your adult daughter can go to or call Social Security at 800-772-1213 with her Social Security number and say that she thinks her mother is receiving benefits for her without her knowledge. They should tell her. If her mother is receiving benefits, it is possible that all of the money is being used for food, housing costs, clothing, and other day-to-day basic needs. If no application has been filed, your daughter can appoint you as her representative to help her file the claim.

      Sincerely,
      Kay

  • Hello,

    I am divorced and my son is living with his mother. He has been diagnosed with autism since he was 2 years old. Now he is 30 years old, not married, not working and already collecting SSI.
    I receive SSDI due to a stroke I had this past January. Can my son be also eligible for SSDI Benefits?

    • Kay Derochie

      Dear Bill,

      Yes, your former wife can apply for Childhood Disability Benefits (CDB) for your son on your earnings record. If your work history is sufficient, dependent benefits will be payable. His SSI will be reduced or terminated depending on the amount of the CDB benefit.

      Sincerely,
      Kay

  • Chikma

    Hi.. I’m receiving supplemental benefits for my 12 year old son. I’m no longer working due to me having mental illness and also waiting on disability approval. Will I lose my sons benefits because I’m no longer working Kay?

    • Kay Derochie

      Dear Chikma,

      Your child will not lose benefits because you are not working. However, you do need to report your cease work date and the start date of any other income such as unemployment compensation, short-term disability benefits, or private financial help. That income will be considered in determining whether your son is still eligible for benefits.

      Sincerely,
      Kay

  • Tony

    Hello Kay,
    I tried to post my comment yesterday but I don’t see it on here. So I apologize if you receive this comment twice.
    The Social Security Administration approved my SSI Disability application but they calculated my back pay at $488.67 per month instead of $733 per month. When I asked my SSA representative about it, she claimed that SSA always assumes that when you are unemployed and you do not have any assets while awaiting the SSI disability determination, they assume that someone would be paying for your food and shelter so they automatically take out $244.33 for your monthly benefits as if someone paid for your shelter and food. She said this is pretty much always the case that they make this finding/ assumption for SSI back pay. Is this true or am I missing something. My daughter was helping me to pay for my food and shelter but this was done out of necessity because I had no other means to pay for them. I want to repay her for her help because it was agreed that once I get my SSI benefits, I would pay her for past rent. What can I do for SSA to increase my back pay benefits to $733 per month? Can I just talk to the representative and submit proof or would this require an appeal to an administrative judge. My current SSI benefits starting May 2016 is $733 but all the back pay is at $488.67 per month. I received some of the back pay already but am waiting for the second installment of it.
    Thank you so much for your help. I really appreciate your response.

    • Kay Derochie

      Dear Tony,

      Your post and my reply are under the article “Supplemental Security Income–SSI–the Other Disability Benefit”under the SSI tab at the top of the webpage.

      Sincerely,
      Kay

  • Tina

    Hi I have a question. My son moved back home and he is disabled and getting ssi we had to fill out paper work for his food assistance and they want to know if I will be claiming him on my tax return next year this is the first time they have asked this question. Why do they need to know this information?

    • Kay Derochie

      Dear Tina,

      I am not sufficiently knowledgeable about the administration of the SNAP program to answer your question. I suggest that you ask the SNAP office.

      Sincerely,
      Kay

  • Bette

    Good Morning. I was wondering if you could give me a little direction please. My daughter was diagnosed with Epilepsy at age 15 we did not apply for any benefits because we felt we could manage. Now she is 20 and her Epilepsy has gotten progressively worse. Her job has cut her hours down from 25-30 a week to 2 per week and of coarse she is older and now the inability to drive is affecting her and her employment. I have read at the ss site benefits are based on years worked if not a minor but what does or can a young adult who has not had the opportunity to earn these credits do. Will they look at my income and credits I have paid in? She is disabled and it could take months, years or never to find an acceptable medication to control her seizures. Any responses would be helpful. Thank you in advance

    • Kay Derochie

      Dear Bette,

      Your daughter can apply for disability benefits while she is still working because her earnings are minimal. Supplemental Security Income (SSI) benefits do not require work credits. Because she is an adult, your income and assets will not affect her SSI claim. Because she is quite young, she may have enough work credits (6) for a very small Social Security Disability (SSDI) benefit. She can apply for that at the same time as she applies for SSI.

      If she does meet the definition of disability and continues to be disabled and unmarried, she can apply for childhood disability benefits (CDB) on one or both of her parents’ earnings record when her parent(s) receive Social Security benefits or die.

      Sincerely,
      Kay

  • I was approved for Medicare but was not approved for sisi and my husband only makes 1600.00 to 2000.00 a month and with the bills and mortgage we are struggling how much are you suppose to have in order to get ssi

    • Kay Derochie

      Dear Rebecca,

      If you have no minor children in the household, the spouse’s earned income limit is $1,919 gross per month. Benefits are calculated monthly, so it is possible to be eligible in one month and not another. You must also have countable assets of $3,000 or less. A home you live in, one vehicle, and certain other assets are excluded (not counted). If you think an error has been made, you can appeal and present your husband’s paystubs back to when you applied.

      Sincerely,
      Kay

  • Lori Rosa

    Hi. I have been receiving both ssdi and said since 2009. I then applied for benefits for my children soon thereafter. They sent me something saying they cannot make payments to my 2 kids because I receive the max benefit. It came out recently that I probably should have been receiving benefits for my children. I still have all original paperwork since day one. What should I do? Should I go to SS bureau with this or go straight to lawyer? Please help.

    • Kay Derochie

      Dear Lori,

      I don’t know what kind of evidence you have that indicates that your children are eligible for benefits. I can share that if your family maximum benefit (FMB) is the same as your primary insurance amount (PIA), which is the amount of your benefit before reduction for Medicare premiums or taxes, no dependent benefits are payable. Both figures are based on your work earnings prior to becoming disabled. You can call Social Security at 1-800-772-1213 and ask the amount of your PIA and FMB, which are calculated by a computer program and, therefore, likely to be accurate. If the PIA and FMB are different, take the application papers to Social Security and try to get a reopening. If that doesn’t work, then you might consult with an attorney.

      Sincerely,
      Kay

  • Meagan Rumore

    I have been receiving disability for myself. later I found out I could also receive a little more because I have a son…(not disabled) are there other applications I can fill out to receive more money?

    • Kay Derochie

      Dear Meagan,

      If you are asking about other applications besides for the dependent benefits you already mentioned, I am not aware of other cash benefit programs. If your family income is low enough, you might qualify for SNAP (food stamps) or government-subsidized housing. Applications for those benefits can be made at your state or county social services office.

      Sincerely,
      Kay

  • Daniel Mtanous

    Hello I receive SSI. My Father has just retired and was told that I could receive additional income if I report my Fathers retirement to Social Security and tell them I am disabled. My Mother on the other hand, tells me that my SSI check is coming directly from my fathers retirement funds already. Is this true? Does my SSI really come from my Fathers Retirement? Do you have any information on who I should call about receiving income due to my Fathers retirement?

    • Kay Derochie

      Dear Mtanous,

      Supplemental Security Income (SSI) does not come from your father’s earnings record. You became eligible on his record only when he retired. You do need to apply because the SSI program requires you to. You can call Social Security at 1-800-772-1213 to request either a phone or office appointment to apply for childhood disability benefits. You will need your father’s Social Security number when you call.

      Sincerely,
      Kay

  • Theresa

    I have a question please. My son 29 years old receives SSI and my mother 68 receives SSI also. They are both now living together and have cut her check down a few hundred dollars stating she has another income yet they have not made a plan on how they are going to pay the bills together. His income is his and her income is hers. How can it be thought of as his income is now hers? They are grandmother and grandson. I thought they could only cut one’s check down if they were married (but they are obviously not) Please help me to understand what is happening to them now, thank you much.

    Theresa

    • Kay Derochie

      Dear Theresa,

      Your son’s income is not affecting your mother’s Supplemental Security Income (SSI) payment amount. To receive the maximum benefit, your mother and your son each have to pay their own shelter costs and food costs. If anyone outside the household is paying the shelter costs or food (other than the food stamp program or a government housing authority), that payment would be income to them both. Within the household, they need to split equally the rent or mortgage and property tax and, if required by the lender, the property insurance and the shelter utilities, which are the power, heat, water/sewer, and garbage. If they share food, they have to split the food costs evenly also. If they start to do this, your mother’s benefit should increase again. If they have been doing this all along, your mother can appeal the calculation. (Note that if your son is in your mother’s household and she charged him a flat rate for room rental as a renter and that rate is not more than half the total shelter expenses, that could be grounds for an appeal.)

      Sincerely,
      Kay

  • RJ

    Hello! I have a question. A little background first… I’ve been receiving SSI for my 5 year old disabled daughter since October of 2015 and have been working part-full time since the onset of the payments. However, I’ve recently been put on bed rest with my current pregnancy and cannot work. My daughter and I live alone. My question is, will me not working for a short while make us ineligible for her benefits? I want to return as soon as I get the approval but I can’t afford to stay home if her benefits will cease. Thank you!

    • Kay Derochie

      Dear RJ,

      Your being off work will not affect your daughter’s benefits in an of itself. You should report when you stopped work. If you are receiving sick pay or short-term disability, those benefits could affect her SSI payment amount and should be reported.

      Sincerely,
      Kay

  • Kathleen

    I am trying to find the living arrangements allowed for my adult disabled child on SSD, on his father’s benefit. He has a girlfriend who gets SSI and SSD and my understanding is that they cannot get married or my son would lose his benefit. He really needs it but does not comprehend when I tell him that they cannot marry or live together. She appears to not be able to understand either. I am his payee so he does listen to me, but I don’t really know the answer myself. If they cannot marry, can they live together if she pays her share of expenses with her checks? Thank you for any information you can give me.

    • Kay Derochie

      Dear Kathleen,

      You are right. If your son marries, his Childhood Disability Benefits (CDB) will stop. Additionally, although he could potentially be eligible for Supplemental Security Income (SSI), the most the married couple could have in income between his wife’s Social Security Disability (SSDI) and SSI is $1,120. Stated another way, the SSI maximum for a couple is $1,100 and all but $ 20 of the Social Security will cause a reduction in the SSI payable. Whatever amount of SSI they would be eligible for would be divided in half and half paid to each. If they were to subsequently divorce, he might not be able to reinstate his CDB benefits. One exception to all this is if his girlfriend is really getting CDB benefits on a parent’s record and not SSDI. If that is the case, they can marry and not lose the Social Security benefits.

      They can live together without marrying and not affect her SSI if the girlfriend pays half the shelter costs and they purchase and prepare food separately or she also pays for half of the food. Note that if they share food and a food stamp grant is involved, both their incomes will be considered in determining how much in food assistance they are eligible for.

      Sincerely,
      Kay

  • Sissy

    Hey I am 32 and live with my mom who just turned 70 we are both on ssi and she also receives ssa from when my dad worked and was alive
    She is my payee and she has four other adult children that are not on ssi and have there own lives/family’s

    I will like to know what will happen to me and my ssi and my living arrangements if she dies
    And what will happen to her ssi and. Ssa

    • Sissy

      Hi its me again please dont juge or miss understand my intentions I only would like to know because all our money from our ssi and my mommas ssa allows us to live in our apartment and feeds us and pays the bills
      What I am saying is with my amount of 733
      I would not be able to live in our apartment alone
      But with all the ssi together we barely make by .
      But we do make it
      Please I need to know if I will be moved from
      My home I hope not I would not be able to bare leaving the last place my mother was with me I would want to try and stay in our home Please tell me I am very sheltered
      Almost a hermit
      I also wouldn’t want to live with any other one of my famliy members
      dont get me wrong I love them all
      but I am very close to my mom
      I think if she die I would want to live in our home by myself

      • Kay Derochie

        Dear Sissy,

        Please see my response to your first post. It sounds as if you will not have the income to stay where you are after your mother passes away. Maybe you can think about whether it would be more important to you to stay in the same place than to live alone. If so, you might take a roommate. If not, then finding less expensive housing so you could live alone would be the other choice unless a relative would want to move in with you.

        Sincerely,
        Kay

        • lorie

          Yes My 19 yr old son recieves ssi for about 6 yrs now and I applyed for it about 3 yrs ago . Im my sons re peyee now I finally got a job its part time average 13-19 hours week and im a server. i get with my ssi and ssd and my sons ssi about 1486. Now my son works part time about 10 hours or so weekly to get him out of the house to mingle and have a life. He dosent have friends shy has alot of mental issues and he makes at his work about 130 weekly since im a server i get a check every two weeks of 100-90 and tips i didnt think i made about 940 monthly along with his money and ower ssi and my ssd can they take away ower stuff or can he be his own rep peyee and were moving into a home since i have 3 other kids paying 850 for a two bedroom to move to a 4 bed room for 1100 with water trash sewer electric and gas to still recieve ower benifits or what can i do. I did call them when i started work sep 25 last yr to tell them i got a ticket to work programm so PLEASE HELP ME i cant lose this nor my sons. I get food stamps no child support medicaid and medicare food stamp office said im in the poverty level

          • Kay Derochie

            Dear Lorie,

            Your benefits and your adult son’s benefits are calculated separately and your and his work earnings do not affect each other. Your being your son’s payee does not affect your benefit.

            If your son is not in school, his $130 a week gross work earnings will reduce his SSI by about $207 a month for months he is paid for only four weeks. Months that he receives a fifth weekly paycheck or a third bi-weekly pay check the reduction will be more. You need to report his work earnings right away to avoid an overpayment and continue to report them monthly.

            If you gross $940, you will continue to be eligible for your Social Security benefits as long as you are under $1,130 and have not recovered medically, but it is likely that your earnings and your SSDI together will exceed the SSI income limit and that your SSI will be terminated. If you continue to be eligible, you must report your tips as well as your wages by the 10th of each month. This is especially important because your income will vary. If I understnad you correctly, you have under-reported your earnings by not including tips and need to correct that as soon as possible.

            Sincerely,
            Kay

          • lorie

            yes i reported all my tips that i was suppost to. Im on that ticket to work program and i did call them about the ticket to work program so will they still take mine away and i get 750 a month for my ssi and ssd so 750 plus 970 is less then 2000 a month and my son gets 733 and he makes under 2000 a month so you are saying that they do ower work payments sep so why would i lose my ssi or d if they calculate seprate. I did call them as he was working but it was after hours so i called that 1866 or 800 number and im hoping they got the message as i did talk to a live rep. how can my son get on the ticket to work when i did it and got a job i called ssi and told them i applyed for it do i have to apply for him then

            • Kay Derochie

              Dear Lorrie,

              You are confusing income and resources as defined by Supplemental Security Income (SSI) law. The $2,000 you refer is not the income limit; it is the resource limit. Resources are things you own such as bank accounts and life insurance policies and cars (one car is excluded). Income is money that comes in to you each month (and free food or housing).

              The most countable income you can have and still receive $1 of Supplemental Security income is countable income less than $753 a month from sources other than SSI. All but $20 of your Social Security counts. Half of what you earn above $65 gross is countable income. Your Social Security (minus $20) is added to your countable work earnings. If the two together come to $753, you are not eligible for SSI.

              I suggest that you and your son go to Social Security with all your pay stubs to make a correct report of your earnings. If either of you remains eligible for SSI benefits, ask about using a special number to call in earnings once a month. Your son can ask for a Ticket to Work, but it does keep his countable earnings from being included in the calculation of his benefit.

              Sincerely,
              Kay

    • Kay Derochie

      Dear Sissy,

      Your mother’s benefits will stop when she dies. It might be helpful to talk with your siblings about who will become your payee when your mother dies and perhaps also perhaps with their help develop a plan for that time, such as now applying for government-subsidized housing that you would be able to afford.

      Sincerely,
      Kay

  • len

    I just file for ssdi today, the lady at the local office said she approved me for ssdi and ssdi due to my work history and medical conditions. She said I’m dual qualified. My question is as follows: what does she mean she approved me? My application was sent to the next step.

    • Kay Derochie

      Dear Len,

      I think you may not have typed what you meant to say. I think you are saying that you were approved for Social Security Disability (SSDI) and an application was taken for Supplemental Security Income (SSI) also, so that your SSDI amount can be supplemented by SSI.

      Sincerely,
      Kay

  • hello my name is india and i have started recieving ssi for myself in 2014 now at the moment i have been looking for a apartment and cant find because i currently have a case with dcpp and they want me too find a stable place to care for me i hard looking for a place when u only get $764 when i called the local office i said they cant give me more why is that ? now i wanna to so that i can get a apartment and care for my child how its like a taxi driver job where u work on your on time what would happen if i get the job and i go tell them?

    • Kay Derochie

      Dear India,

      You can have work earnings of $65 gross a month ($85 if you have no other income than SSI and work earnings). Half of your gross earnings above $65 will reduce your SSI benefit. For example, if you earn $400 gross a month and have no other income, your SSI will go down by $157.50 ($400 – $85 / 2 = $157.70). You need to report all earnings by the 10th of the following month.

      Sincerely,
      Kay

  • Dawn Pyatt

    Dear Kay, I am 43 and began to recieve benefits two years ago. When my request was denied and I went to the appeal hearing to speak with the Judge and the acting doctor/psychiatrist who was present to offer his professional and personal take on my specific circumstance to the Judge. At the end of the hearing the Judge said that he was granting me the disability and I was also entitled to collect SSI. I was told that SSI picked up where the other SS benefits fell short of the standard of living & on being enough to survive. The Judge said I would recieve both SS disability and supplement. When I never received SSI I called the office and a very generic and abrupt man said that with my benefits from SS ($771 monthly) I made too much to recieve supplement. $771 is $10 below poverty level, and I struggle each month to what bill is most important. I try to think of any way to bring in enough to cover basic living expense and keep tp in the house. I don’t understand how these smaller government pions can deny me benefits that an honorable appeals court Judge granted me on that day in court. I sm struggling so hard.

    • Kay Derochie

      Dear Dawn,

      Judges are charged with deciding whether you are medically eligible for Social Security and Supplemental Security Income (SSI). They do not have the information or the responsibility to determine whether you are financially eligible for SSI. $771 is slightly too high for SSI benefits unless you live in a state where the state pays a small amount of SSI supplement and allows slightly higher income. To illustrate: Gross Social Security of $752 would result in payment of $1 in SSI benefits.

      What I am wondering is why you did not get SSI for the period before you actually got your first Social Security benefit. I would have expected you to receive SSI monthly benefits and SSI back pay (if any was due) and then have SSI stop when your Social Security started. After that your Social Security back pay would be paid but reduced by the amount of SSI already paid for the same months.

      Sincerely,
      Kay

  • Shelly M

    am the mother of a 20 year old son who is fairly low functioning autistic. He will never be able to live on his own. When he was 18 I applied for his disability benefits. I was advised that it would be a lengthy process and that once he was determined to be disabled, they would then question me regarding finances and my intention for him to pay room and board. Much to my surprise, the disability was approved and checks started coming within 90 days. However I was never given the opportunity to show the figures illustrating that he would be paying room and board out of the disabilty amount. So when the checks started arriving, they came with a statement showing that although he qualified for the full benefit of $781, they were counting his living with us as a benefit and reducing his monthly amount by $250. So the total he receives is $488. I was never given the opportunity to go over ge finances that would illustrate the amount he would pay for room and board so he should not be charged a benefit amount for living expenses. He did not pay living expenses prior to receiving disability obviously because he did not have any income. I tried calling and sending a letter explaining this so that it would be appealed and he would be able to receive the entire 788 dollars. In both circumstances I was told that is just the way it is. However in the two years since then I’ve been told repeatedly that should not be the case and that Jacob should be receiving the entire amount and then we would take his room and board off of that. Can you please please tell me who to contact or how to get this fixed? I have had 3 surgeries and numerous hospitalizations over the last 5 years so my husband is our only wager. Having our son received the entire amount he is a Jew would make a big difference in our ability to continue to care for him and pay all of his expenses. Could you please tell me how I could pursue this and if it is possible to receive the higher amount as well as the back pay for the difference he should have gotten the last two years? Please feel free to email me. I’ve searched everywhere and cannot find any help for this. Thank you very much for your time and attention.

    • Kay Derochie

      Dear Shelly,

      Supplemental Security Income (SSI) is paid primarily to provide for food and housing. If someone is getting free food and housing, the amount paid is reduced, so it is correct that at the time your son was approved he was eligible $488 because he was receiving in-kind support and maintenance from you in the form of free housing and food.

      If after starting to receive benefits, he started to pay his share of shelter and food and you requested an increase in future benefits (not an appeal of the amount already paid), his benefits should have been raised to the maximum. His share is the total shelter and food expenses divided by the number of people in the household. Shelter expenses are rent or mortgage and property taxes, and property insurance if required by the lender and shelter utilities (not phone or cable). Alternatively, you could treat him as a boarder and charge room and board at fair market value (FMV). FMV for food would be an amount equal to a maximum food stamp grant for one person, which is a little under $200. You can determine FMV for a room rental by looking at room for rent ads in your area. If your son still has some of his back pay so that he is able to pay his share or FMV or within less than $266 of his share for two months, he will get an increase in benefits two months later. To document sharing, take proof of the shelter expenses.

      Sincerely,
      Kay

    • Tony b jones

      Abey, yes I would love tmedsnderstand how to get more ssi cause. Back in March I was put in the because I sandthe ssi knew thisered from a stroke and while I was there I had two more. I walked in with a blood pressure of 288 over 145. Sence 2010 I haven’t worked some of that was cause I don’t like Drs so when I had problems come up I wouldn’t go see about it.and I was living with family when any of them need me to help them. With their problems and just to have somewhere to stay cause of my health and knowing no one would give me a job. So while I was in the hospital I had a lady come by my room and talked to me about getting me help. I didn’t know that the paper work I would have to do myself and my Social worker was from Alabama.and getting use to my meds. I think a lot of things was over looked on Determining The amount of money I was to get from ssi I’m homeless my family has help me over the years as much as they could and the ssi knew this and my Social worker new list too and at the time they only judge that on the Fact that i have high blood pressure,and after seeing my Dr I have COPD I have 50%of Breathing capably s and short term memory loss. And only get a low amount. If I had my on place I would have to do without my meds or not have food if you take just those three things out of what I get from ssi I would have no money for anything else. I too don’t know what to do and don’t know where to get the answer s I need I don’t need all the Extra extra stress.

      • Kay Derochie

        Dear Tony,

        You might try to get on a waiting list for government-subsized or public housing. Also, if you are living with others, you could start to purchase and prepare your own food separately, which might make you eligible for food stamps.

        Sincerely,
        Kay

  • Renee

    My daughter has CP and applied for SSI when she turned 18. She was approved but have not started to receive any payments yet. She is thinking about going to the Job Corps, could she do that and still qualify for SSI since it is a government program?

    Thanks

    • Kay Derochie

      Dear Renee,

      Most job corp compensation would be considered to be wages (earned income) for Supplmental Security Income (SSI) payment calculation. Whether or not your daughter would continue to be eligible for some SSI would depend on the amount of the wages. The general rule for counting wages is the first $65 ($85 if she has no other income) is excluded. One-half of the excess over $65 (or $85) counts to reduce the SSI monthly benefit. More information about SSI and Job Corps is available at https://secure.ssa.gov/poms.nsf/lnx/0500830536.

      Sincerely,
      Kay

  • Sheela

    Hi, I have my mom and dad living with me. They are 70/72 years old. My mother still works at a day care and my dad has many health issues and as a result he doesn’t work. Even though they pretty much take care of their own meals and etc SSI only pays them 500. It is really difficult for them to survive. Please advise what they can do to get some extra money.

    • Kay Derochie

      Dear Sheela,

      You do not say whether their Supplemental Security Income (SSI) payment has been reduced for your mother’s wages or because they live with you. If it is due to wages and your mother is reporting her wages correctly, then there would be no basis to increase the payment.

      If the reduction is due at least in part because of their living with you and they buy their own food (except for the occasional family meal like families living in different households might have together), your parents’ SSI could be increased if they either pay fair market value (FMV) for the room they rent or pay their share of the household’s shelter expenses. Their share is the total cost of the shelter expenses divided by the number of people in the household. Shelter expenses are rent or mortgage and property taxes (and property insurance if required by the mortgage holder) and shelter utilities (not phone or cable). Once they start paying either FMV or their share, SSI will increase two months later.

      Sincerely,
      Kay

  • My son turn18 so had to apply as adult and made one 200 a month and then 4 months ago stated making 400. 00 tried to take bills up there even dropped bills off im single mom 3 kids one dont live with meher child is 12 so me ans son pay all bills ive tols ssi 100 times wouldnt tske my bills anyway now friday should start psying full benefyts my questiin is do they not have to pay his back pay benefits will they or they just did whst they wanted sd my son get penalized or will they psy his benefis should of got from stsrt even called lawyer said had to get advocate for son through ss but they wouldnt even tslk about it so will he get back benefits cause his dad dont help and never met son just really hard plus hes been having bad back spasms and hurting bad lotsof drs and dont help pay for gas plus had to get double wide and falling apart in middle where suppose to come together they totally messed us around buthad ti have bigger trailor other one ciyldnt move aroung or get wheekchair inif can help amwuth house cause wont give me insurance money ro fix and lots other problems cant aford. Lawyer single mom number is xxx-xxx-xxxx think waxahachie tx ss office do things there way some r rude most of them and dint care like my life not hard enough thabk u alor

    Kimberly

    • Kay Derochie

      Dear Kimberly,

      Your post has many typographical errors in it so I am not sure I understand all of it, but I will try to answer. I think you are saying that your son’s Supplemental Security Income (SSI) should have been higher because he has been paying his share and more of the shelter costs. If that is the case,your son should start to get higher benefits two months after he started paying his share. This includes past months. If he does not get his back pay within a month of getting his check changed to the higher amount, you and he should follow-up with the local office again and ask to speak to a supervisor.

      I am unclear whose phone number you posted, but I am removing it from your post for privacy.

      Sincerely,
      Kay

  • Alan

    I am 52 Years Old and just received a Fully Favorable Decision from Social Security Disability. I am applying for Representative Payee and wish to block my x-wife from attempting to “manage” the Children’s Benefits?
    Can my x-wife attempt to get back pay and apply for Representative Payee for my children’s auxiliary benefits? I am the SSDI primary recipient and during the past 5 Years I waited for my hearing My X-wife did not support me at all, she actually made several attempts to put restraining orders against me in unsuccessful attempts to get full custody of our children. She called the police to our home 5 times and she threw my clothes out while I was in bed disabled. I do not wish for her to get one dime of the money and although she has 50% custody the Children share a bedroom at her house and they are 11 girl and 13 year old boy! I was married to her for over 10 years 14 to be exact but she turned evil after I became disabled and threw objects at me and called me lazy and slandered me the whole time I was waiting on my disability to come thru. Please help. How can I get sole Representative Payee and block her from attempting to “manage” the Children’s Benefits as I know she will abuse them and spend them on herself. her boyfriend and or her family in Colombia, S.A.?

    • Kay Derochie

      Dear Alan,

      If the children are with you physically half the time, you should have no problem being payee. If they live with their mother all the time, it may be more difficult. Nonetheless, apply to be their payee. Tell Social Security that you do not want their mother to be payee because you think she will misuse the funds.

      If you are made payee and they are with your half the time, you should give her some of the children’s benefits to cover their food when they are with her. Be sure to write checks to her so you have proof of providing money for their food. Also send a certified signature required letter to her saying that you will send give her a check at a certain time each month (or twice a month or weekly; however, you think best) to cover the children’s food. Keep a copy of the letter the postal service proof of receipt. Also pay to have the bank give you copies of the cancelled checks or copy them off online banking so that you have protection against her saying you are not providing for their needs when they are with her. Also, keep a log of how you spend the rest of the money and receipts whereever possible.

      If they are with her all the time, it would be appropriate to give her money for their food and extra utilities. You could when they are visiting with you directly buy their clothes, haircuts, school supplies, etc. directly give them an allowance, pay the medical co-pays directly and so on.

      Sincerely,
      Kay

  • Denise Rodriguez

    Hi, I have been receiving SSDI for 8 years. It was renewed last year. I am getting around $850/month with my daughter getting around $105/month until she’s 18. Is it possible for me to get SSI too? I have major depression, anxiety, degenerative neck disc w/bulging discs, borderline personality disorder, and problems with my bladder. My husband is a mngr at a local fast food restaurant, so we don’t get much every month. It’s enough for us to not qualify for food stamps. Our daughter has Medicaid while I get SLMB Medicare. Thank you!

    • Kay Derochie

      Dear Denise,

      Your Social Security is slightly too high for you to qualify financially for federal Supplemental Security Income (SSI) by about $87, without considering whether a protion of your husband’s earnings would be deemed available for your support. Some states have SSI state supplements (different amounts in different states) that allow somewhat higher income than the federal program. You can ask your local Social Security office about possible state supplement and income limits for the supplement.

      Sincerely,
      Kay

      • Ann

        My husband was injured on the job about 15 years ago and receives a ss check. Since the he’s become a double amputee due to diabetes. Does he qualify to receive an increase?

        • Kay Derochie

          Dear Ann,

          Your husband is not eligible for an increase because Social Security benefit amounts are based on the worker’s earnings record, not on degree of disability. If he requires home health care and attendance that you are providing instead of working outside the home, check with your state or county social services office to see if your state has a program that provides a small wage to people who care for severely disabled relatives.

          Sincerely,
          Kay

          • Hello, I’ve been receiving SSI since 2005 after being denied originally and appealing. I receive 895. ea month, & am a single parent so I’ve been getting spousal & child support as well. My physical, emotional & mental condition deteriorates more ea year and I am now seeing 6 different specialist for various health issues. I have chronic pain & chronic insomnia. I’ve been dealing with a very contentious divorce case for 12 yrs now in which my ex has tried to force me back to work. Several judges in el dorado county , CA have told him a county judge cannot overrule the federal gov and to stop bringing this to court as a Gavron warning can not be issued on me.A new judge who knows nothing about our case has ruled that I seek employment and canceled my spousal support. How can she do this after other judges have dismissed this matter telling my ex he must pay spousal until I remarry as they can’t overrule the govt. I was told by social security this is illegal. What can I do to get this across to her? I don’t know which rule, amendment, etc to look up.
            Severely Stressed, Dana

            • Kay Derochie

              Dear Dana,

              One would think that if you provided proof that you are receiving disability benefits because you cannot work that the judge would considered that. I would say that you need legal advice to find out how to appeal the judge’s decision. The Social Security Administration does not have jurisdiction over divorce settlements so I doubt that there is anything in Social Security law that would help, but again getting legal advice would be advisable.

              As a side note, if you are receiving SSI (Supplemental Security Income), spousal support should be reducing your SSI payment, probably to less than $895. Is it possible that you are receiving Social Security Disability (SSDI)?

              Sincerely,
              Kay

  • Hi Kay,
    My daughter has been disabled since birth and receives SSI in the amount of 733.00.She is 15 now and in high school.My question is back in 2007 I had to quit work and take care of my Mom that had lost her eyesight and since she also kept my child I didn’t have a babysitter.So I had to quit my job of 25 years to become a caregiver for my daughter and my Mom.I have always had some form of DDD but I fell 2012 of this year and really messed my hip and groin area up.I have been going to several specialist and I have DDD in my neck and back plus scoliosis of the spine,both hips are bone on bone,arthritis in my feet,Fibromyalgia,Achillies tendonitis,carpal tunnel in both hands and some other health issues.I applied for disability but I am 4 credits short.I called a law firm but they said since I didn’t have enough credits to apply for SSI.My daughter already receives SSI for her disability.Wouldn’t that be a problem?

    • Kay Derochie

      Dear Sherry,

      Both you and your daughter can receive Supplemental Security Income (SSI).

      Sincerely,
      Kay

  • Lisa

    Hi Kay, I just wanted to ask a couple of quick questions. I applied for Social Security disability November of 2015. I’m currently 49 years old And will be 50 in September of this year. I applied because at the age of 29 I was diagnosed with arthritis in my right hip. October of 2015 I was sent to an orthopedic doctor where I found out that the cartridge has degenerated so essentially I was walking with bone scrubbing a bone. My case worker called me a few days ago with just a few more questions. I finally was able to have my hip fully replaced on December 7th 2015. But have been unable to work since December of 2014. She informed me that she had backdated it to that date and is approved I will receive back pay.She said I would have an answer in the next two weeks. She also said there was no need for me to see any of their doctors because my doctors have provided search through information for her. I’m just wondering if this is a good sign or a bad sign as far as the approval goes it just didn’t seem like it took that long to me. Thank you Lisa

    • Lisa

      I’m so sorry but that date is so wrong it was October of 2014 when I was sent to the orthopedic doctor

      • Lisa

        Thank you so much for your response Kay. I have been praying About this Consistently. I am on the verge of losing The things I have worked so hard in life to obtain simple things such as the roof over my head and my car. My caseworker is such a nice lady she actually called me today and said that she had received the last piece of information that she needed from my doctor from a follow up visit and that she was going to try her best to submit it this afternoon before she left if not it would be Tuesday thing as there is a holiday Monday. Even though she Cannot tell me over the phone whether I am approved or denied she did state that she had done everything that she could for me. Just curious are you saying that it would be approved because I Was not ask to see any of their doctors? Again I thank you so much for your response it has given me great encouragement tonight.

        • Kay Derochie

          Dear Lisa,

          I would say that the examiner’s remarks indicate that she will recommend approval, but the claim and recommendation will be reviewed by a staff physician before being finalized.

          Sincerely,
          Kay

          • Lisa

            Thank you so much Kay for sharing all your knowledge

            • Kay Derochie

              You are welcome, Lisa.

    • Kay Derochie

      Dear Lisa,

      You have received the good news that your disability claim is going to be medically approved. If you haven’t heard from the local office or received other communication within a month, follow-up with the local office to find out whether you need to submit anything to get payment started.

      Sincerely,
      Kay

  • Dear Kay,

    I have a question that I am hoping you can help with. If my son, who is currently 15, has a disability and will not be able to work and therefore not be able to pay into social security or disability will he still be eligible to receive assistance? What type/s of assistance would he qualify for? By the way, we live in PA.

    Thank you.

    • Kay Derochie

      Dear K.,

      If your family income and assets are low enough, your son might qualify for Supplemental Security Income (SSI) now. Once he turns eighteen, he can apply for SSI and his parents’ finances will not affect his claim. If he is still disabled and unmarried by the time one of his parents receives Social Security or dies, he can apply for disabled adult child benefits on that parent’s account because he became disabled before age twenty-two.

      Sincerely,
      Kay

      • GAIL

        DO YU GET BACK PAY FOR SSI AND ssdi

        • Kay Derochie

          Dear Gail,

          Whether or not Social Security Disability (SSDI) back pay is payable depends on how many months elapse between start of disability and start of payment. (The first five calendar months of disability are not paid.) Additionally, SSDI is limited to twelve months retroactively before the month of application. SSI benefits start to accrue the month after application unless you apply on the first of the month in which case benefits start with the month of application.

          Sincerely,
          Kay

  • Shelly M

    Hi, I’m the mother of a 20 year old son who is autistic. He qualified for the max disability in FL when he was 18 – $721, but he only receives $488 because we provide his food, clothing, housing, transportation, etc and that is considered a benefit, so it was reduced. That makes no sense to us – but we were told there is no appeal of that. My question is will his benefits increase when he turns 22 and is no longer in school? We were told he could not receive food stamps until then so we are wondering if his benefits will increase then as well. Thank you for your time and assistance.

    • Kay Derochie

      Dear Shelly,

      Supplemental Security Income (SSI) benefits are paid irst and foremost to provide shelter and food. As long as you are providing housing and/or food valued at $265 or more, your son’s SSI will be reduced to $488 because he is receiving shelter and food from another source, you. If the food stamp information did not come from the food stamp office, double check with tht office.

      Sincerely,
      Kay

      Sincerely,
      Kay

  • william thompson

    i currently am recieving ssidisability 733.00 a month,,i get paid on the first of each month,,,i have a truck i need to sell because it breaks down all the time,,,,i am going to buy another car with the money from the sale of the truck which is about 5500.00,,,i will be spending every penny from the truck sale to buy another used car,,,do i have to report it

    • Kay Derochie

      Dear William,

      If you buy the car in the same month as you sell the truck, it will have no effect on your SSI benefits. Keep the dated sales and purchase records so at your next redetermination you can report the change and prove the use of the money from the sale of the truck.

      Sincerely,
      Kay

  • Freedom of speech

    Hello Kay! I have a question please. I was Approved for my SSDI, I just found out by my Attorney. My question is this, I have FULL Custody of my 15 year old Daughter, and my ex Husband and I share Joint Custody, of our 11 year old Son. It’s Joint Custody 50/50, in OUR Agreement we agreed to NO Child Support to be paid by either of us, to the other. I moved to another State a few year’s ago, and it’s still Joint Custody 50/50 NO Child Support, we we’re doing the every other week thing before I moved, as in I had him one week, and he had him the other week. When I decided to move, EVERYTHING stayed the same in the Agreement, we just had our Lawyers Change it, to add since I was moving I would get him for the FULL Summer Break, and during School Vacation for Holidays, but that EVERYTHING else stayed the same, as in I could still have him EVERY OTHER week as always if I wanted too. But with me living State’s away, the week to week thing of course isn’t possible. EVERYTHING IS 50/50, even the tax filing, as in one year I claim him, the other my ex Husband claims him. My question is with the auxiliary benefits, my Son IS entitled to, because of MY SSDI. Because he lives in another State, and I only have him the entire Summer, and on School Vacation Breaks, will I still be the ONE to get HIS Check? Because I KNOW his Father would NOT use it on HIM like he is supposed too! Also my Son don’t live with HIS Father anymore, my Son lives with MY Ex Mother in law and Father in law, which I like VERY MUCH! Because HIS Father got remarried to a Awful young Woman, who is NOT nice to MY Son, and I want MY Son to live with ME FULL TIME, but unfortunately my Son doesn’t want to leave his Friend’s behind, and I understand that, plus I moved to the North, and my Son is in the South, and although he really enjoys coming for the Summer and at School Breaks, he says he just doesn’t like the North lol. So my question again is, would I BE THE ONE to get MY Son’s Check?? I would make sure my Ex Mother in law got the money to care for my Son, or I would just buy the thing’s he needs and mail them, like I already do with everything else I already mail him, we he isn’t with me.

    • Kay Derochie

      Dear Freedom of Speech,

      Social Security will probably want the child’s grandmother to be payee for him. Because a change of payee for the summer probably wouldn’t get processed until it needed to be changed back to the grandmother in the fall, when you son stays with you during the summer months, his grandmother should send you his money to support him during that time and you should give her a receipt and keep a record of how you spend the money so you and she can prove that the money was spent on the child’s needs. (Housing and food comes first.)

      Sincerely,
      Kay

      • Freedom of speech

        Thank you

        • Kay Derochie

          You are welcome.

  • mary kinser

    I am wondering if my child is eligible for SSI. I was being treated for addiction while pregnant with him. I was prescribed subutext the last six months of pregnancy but was actively using the first 4 months. He was kept in hospital for five days to monitor for withdrawal symptoms. He had a few symptoms but nothing that required methadone for treatment.

    • Kay Derochie

      Dear Mary,

      From what you have written, it sounds as if your child does not have lasting effects from your addiction. If he does not, he would not be considered disabled and would not be eligible for for Supplemental Security Income (SSI) disability payments.

      Sincerely,
      Kay

  • Kat

    My autistic grandson receives SSI – they live in Virginia.
    He is suppose to receive benefits on a monthly basis.
    They have another minor child in the house. My son works
    full time but my daughter-in-law does not due to
    health issues.

    Is this payment based on my son’s income? If so, is it
    based on his Gross Yearly Income or his monthly income?
    Whenever there is a three-pay day month, they
    do not receive the SSI the next month or sometimes the month after that.

    Please help. This seems absurd that they are penalized for a three pay-day month
    if the benefit it based on his annual salary.

    Thank you for your assistance.

    • Kay Derochie

      Dear Kat,

      Supplemental Security Income (SSI) financial eligibility is calculated on a monthly basis, so if your son’s income goes over the limit in the months he gets three paychecks, the child is not eligible that month and one month’s benefits is being withheld to collect the overpayment. The reason for this is that the extra paycheck is available to support the child that month.

      Sincerely,
      Kay

  • Kate

    Hello,
    I worked in a county job part time for three and a half years. During that time I was diagnosed with severe fibromyalgia. I was laid off due to budget cuts a year ago. My condition has worsened and I am no longer able to work. What assistance can I apply for? I am 24 years old.
    Thank you,
    Kate

    • Kay Derochie

      Dear Kate,

      If you are unable to work in any occupation, you can apply for Social Security Disability and, depending on your current income and assests, Supplemental Security Income (SSI). Information about filing an application is available in the articles under the “Apply for SSD” tab on the navigation bar of this website.

      Sincerely,
      Kay

  • sherry

    I have a question can they cut your child Ssi payments if there disable due to u filing taxes not sure I put the right amount on there but they have copy of tax return sp if child is disable why would they cut medicade off an Ssi check an for how long BC I work its not like it wasn’t reported irs is with government do why cut my child Ssi an Medicade

    • Kay Derochie

      Dear Sherry,

      You have to report your earnings to the Social Security Administration each month in addition to filing tax returns. If your income is high enough, your child’s Supplemental Security Income (SSI) will be decreased or terminated. SSI eligibility is determined month by month, so if you have not already, you should submit your pay stubs so monthly calculations can be made for the period in question. If your child was ineligible for twelve consecutive months because of your earnings, you will have to file a new claim for her. Check with the Medicaid office to find out whether Medicaid can be reinstated under different criteria while the SSI claim is being reviewed.

      Sincerely,
      Kay

    • Krys

      I married Jan. ’09….I was injured at work Aug. ’12. WC deemed me permanently disabled Mar ’13. (15yrs on job) After WC pymts ended began rcv’g SSI April ’14 of $889 a mth. Well, my husband cheated, conceived a child and July ’15 baby is born addicted to drugs. As of Nov. ’15 judge awarded my husband 100% legal sole custody of child who obviously has been in my home since July. Now I am the stepparent rcv’g SSI and husband has no income at this time. Can I apply for child benefits or do I have to wait until the 13th month from July? From the research is it seems I possibly will not be able to rcv any benefits from the time line of when I got married and when the child was conceived. I live in CA. Thx

      • Kay Derochie

        Dear Krys,

        The Supplemental Security Income (SSI) program does not pay any dependent benefits. If the child is very impaired due to being born addicted, you might try applying for SSI for the child as a disabled child.

        Sincerely,
        Kay

  • Jason Grzegorczyk

    Hi my sin liam s disibilty dropped from 733.00 to 518.00 because ssi claims I made 3100 in October yet I only started my job October 23rd ..no way I made that much ..what can I do ? Virginia is our state.. Thanks

    • Kay Derochie

      Dear Jason,

      Take your first pay stub to Social Security. If it does not show the date of hire, get a statement from your employer of the date you were hired and present it also. If the representative says that he or she will make the correction, you do not have to appeal. However, if there is a delay in the correction, do not let the appeals period expire and file a formal appeal.

      Sincerely,
      Kay

      • Keev

        Hey Kay, I’m 25 have worked a minimum wage job for 5 years now but my mental state has taken a toll on me as I’m a recovering addict of 4 years and have a family history of sever mental illness. Just wondering if I qualify for social security disability with enough credits also could u explain how much money a month I may receive?

        • Kay Derochie

          Dear Keev,

          Based on the information that you gave, I would say that you are insured for Social Security Disability. You can get an estimate of what your disability benefit would be by going to http://www.ssa.gov and setting up a “My Social Security” account. Then request your earnings record or earnings statement (not benefit statement). It will show all your earnings except 2015 and possibly 2014. It should also give you an estimate. If it is less than $753, you may be eligible for Supplemental Security Income (SSI) to bring the income from Social Security and SSI to $753.

          Sincerely,
          Kay

  • Sara

    Hi:

    My mother and father was receiving SSI (not SSDI) of $1100.00.
    Last year, my father passed away and now my mother is getting $773.00/month. She live with a friend of family and pay them $50.00 – $100.00/month (not the set amount. She can pay whatever she can afford month to month depend on how much money she have left after medicine, none food items and foods). She is getting Link Card (food stamps) for $25.00/month, but $25.00 per month is hardly enough to cover for the groceries even for 1 person.

    I was wondering if this amount is typical or should she talk to someone else about getting higher amount for this benefit? Can you advise me on this?

    Any help would be appreciate it. Thank you.

    • Sara

      Forgot to mentioned that she is in ILLINOIS.

    • Kay Derochie

      Dear Sara,

      If your mother has not reported her new living arrangements to Social Security, she needs to do so right away. If she does not pay either fair market value to rent a room in the house where she is living, which is likely to be more than $50 to $100 or pay her share of rent or mortgage and utilities (excluding phone and cable), her SSI benefit will be reduced to as low as $488. If there are two people in the household, her share is one half of the costs. If she has not reported the change to the food stamp office, she should also do so to see whether her grant can be increased.

      Sincerely,
      Kay

  • Shelly

    Dear Kay,
    I am the mother of a wonderful young lady. My daughter is 25 years old. She was awarded by the judge in court SSI and SSD in the state of Indiana yesterday, 8/24/15.
    What can we expect next? When does it start? And is there a way to know how much she will get?

    • Kay Derochie

      Dear Shelly,

      From the date that your daughter receives the judge’s letter of approval, which can take two months or longer, it will take in the range of another month or more to get the Supplemental Security Income (SSI) started and longer–two to four months–for the social Security Disability (SSD) to started and back pay to be released. Your daughter can go to http://www.ssa.gov and set up a “My Social Security” account and request an earnings statement. The earnings statement will have an estimate for the SSD. SSI can range from $1 to $733, plus some states pay an SSI state supplement. The amount will depend on your daughter’s income and living arrangements.

      Sincerely,
      Kay

  • Carlene

    I have a 38 year old brother who is on SSDI – He is a paranoid schizophrenic W/ OCD. He was in and out of hospitals to find out what was wrong between age 6-13 and our family was told he was spoiled and looking for attention. By the time he was 18 It ended up getting really bad – he was being posioned, the government was trying to track him, he wouldnt eat, eveyone was against him and all he referred to was Fantasia. My Father didnt understand it so he couldnt deal (rest his soul) and my mother wasnt a well woman. So I moved back to MA from FL to get him help, I had him commited into a Phychiatric unit (section 12). They finally started to listen but it was to late, had he started the psych medication at a younger age it would have been better but because of his age they had to give him other medications and he was so far gone into this fantasy world (all real to him) he refused the meds and ended up staying in the hospital until he excepted the meds. This is when they were able to get him on SSDI. He went back-n-forth from my house to the hospital for years because he would stop the meds and get out of control and we would have to real him back in. Finally about 13 years ago I had his rights taken away (Roger Order) and forced him to get injuections, these really helped him ( will never be cured). He started out in a group home and for the last 11 years he has been in his own apartment (through housing), so I guess I needed that to be explained so you can see the big picture. My question is: He gets $769 from Federal and $ 30 from the state each month. He pays 320.00 for his rent and is responsible for his utilites – phone, electirc and heat and unfortunately he smokes so forget about cable he cannot afford it. leaving him with just about $50.00 to buy his toiletries, laundy, house hold items, PAPER TOWELS (did I mention the OCD). He gets $167 a month for food but it has to be just food (thats gets him about 2 weeks worth of food, because of his disorder) so I end up having to support him the last 10 days of the month and this has been going on for 11 years, Social Security office told me he is at the MAX and there is nothing I can do about it, is this true?

    • Kay Derochie

      Dear Carlene,

      Your brother may be receiving the maximum amount. If you can provide a bit more information, I may be able to give a bit more definitive answer.

      1. Please double check the type of income your brother has. SSDI is Social Security Disability paid on his own earnings record. The payments and correspondence would refer to his Social Security number with the letter HA behind it. Another possibility is that he is receiving disabled adult child benefits if he never performed substantial gainful activity level of work which would be paid under one parent’s Social Security number with the letters C behind it.
      2. Is the $769 the amount he actually receives or the gross amount before Medicare premiums are withheld.
      3. Is $30 the exact amount he is getting from the state?
      4. Is the payment from the state, SSI state supplementation?

      Just a note, your support of your brother could reduce or terminate his $30 payment if it is in the form of buying him food or paying his utilities.

      Thank you,
      Kay

  • Matt

    Hello, I have been receiving ssi since 2011 and was dependent on my mother who collected see, but she passed away just months after she got the first check. She was on ssd I believe but my memory is very bad I am mentally disabled and am now dependent on my brother. I read somewhere that I might be able to either have my benefits raised to match her old income. I live in California and need access to a vehicle and I cannot afford the 80 mile round trips for doctors appointments.

    Is there any way for me to be more secure? They formally diagnosed me when I was 26 (im 30 now)but I had been financially dependent on her my whole life.

    Thank you for your response if you get this

    • Matt

      Ssd* not ‘see’

    • Kay Derochie

      Dear Matt,

      For you to receive disabled adult child benefits on your mother’s Social Security earnings record, you would have to approve that you became disabled before age twenty-two. If your diagnosis is a condition that is congenital, you might have a very long shot at making a case that although you were not diagnosed before age twenty-two, you had to have had the same condition. You probably would also need some medical or school records showing you were having a problem, even though a diagnosis was not made.

      I suggest that you discuss your situation with 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 before sending your back pay to you.

      Sincerely,
      Kay

  • Phyllis

    I have the questions about my daughter, she was born with Down’s syndrome. She stayed in hospital for three months and then she went home and stayed with me, and got from SSI $30 every month for 12 years, nothing else, I have been asked for help from SSI that time but they said compare with my husband’s salary, my daughter is not qualify, during that time my husband made only $35000 a year, until August 2015 we received $488.67 from SSI, they said that they have been update information because she no longer lives in hospital, she is independent and she get pay back from them in one year . My daughter always live with me, and this year my husband makes more than last several years. I am wondering if the SSI make a mistakes how should I pay them back or this is the truth should my daughter gets pay back from them last 12 years? Please respond to me ASAP! Thank you

    • Kay Derochie

      Dear Phyllis,

      While your daughter was in the hospital, the amount of her SSI was $30. Once she came home from the hospital through the month before she turned age eighteen, her eligibility for Supplemental Security Income (SSI) should have been determined by your and her father’s income. If you had no other children in the household and her father earned $35,000 a year, your daughter should have been eligible for SSI in an amount greater than $30. It may be that there is a law that doesn’t allow payment of more than twelve months of an underpayment and that is why they are saying back pay for only twelve months.

      Also, it sounds as if the current situation is that your daughter is age eighteen or older. If that is the case, then your and your husband’s income no longer affect her benefit amount. The fact that you are giving her free housing and food causes her to receive $488, rather than the maximum of $733. When she gets her underpayment, if she starts to pay her share (one-third if there are three people in the household) of the rent or mortgage, power, heat, water/sewer and garbage, you can report her payment to Social Security and request that her benefit be raised to the maximum.The increase will take effect two months after she starts to contribute. (If she starts to contribute, but it is less than her share, she may have some increase even if it is not to the maximum.

      Sincerely,
      Kay

      • Phyllis

        Thank you Kay for responding, now my daughter is 13 years old. Anyway, can she gets back pay last 12 years? Please give me some advice. Thanks a lot!
        Phyllis

        • Kay Derochie

          Dear Phyllis,

          Supplemental Security Income (SSI) payments begin to accrue the month after application except when the application is filed on the first of the month in which case benefits begin with the month of application. There is no retroactivity.

          Sincerely,
          Kay

          • a.hudson

            if both parents get ssdi one from disable and other from father veteran decease can they receive income from both parent or how do that go?

            • Kay Derochie

              Dear A.,

              Please see my response to your first post. For the child to draw Social Security benefits from both parents’ earnings records, the parents would have to be either receiving Social Security benefits or be deceased. For information about veterans benefits, I suggest that you contact the Veteran’s Administration.

              Sincerely,
              Kay

        • Phyllis

          Thanks Kay!

          • Kay Derochie

            You are welcome, Phyllis.

  • LaShonda

    My son turned 18 two months ago. We have been on SSI for 6 years now. Now they are in the process of figuring out if he considered disabled under adult guidelines. I know he is but my question is when he gets approved will he get paid backpay from the start of the adult application? Or no since we been on SSI and are still continuing to receive while we are waiting on a answer?

    • Kay Derochie

      Dear LaShonda,

      Because your son is continuing to receive SSI while his adult application is pending, he may or may not have any back pay coming. It will depend on whether his adult SSI rate is more than his benefit as a child when he was subject to deemed income from his parents.

      Sincerely,
      Kay

      • LaShonda

        Ok thank you.

        • Kay Derochie

          You are welcome, LaShonda

  • Sue

    If I’m approved for ssdi, will my child get auxillary pay if my partner (my child father) whom I’m not married to but living with works fulltime? Or do they count his income as support?

    • Kay Derochie

      Dear Sue,

      Social Security dependent benefits are paid based on the disabled worker’s earnings record. The benefits are not affected by current family income.

      Sincerely,
      Kay

      • Bridget

        Hello Kay,
        I have been receiving SSDI for 5 years. I just found out that my children should be eligible for ssi? Why wasn’t I told about this? Is there anything that would make them ineligible? Will I receive back pay? Should I get a lawyer?

        • Kay Derochie

          Dear Bridget,

          I am not sure you mean “SSI.” SSI is Supplemental Security Income, which provides benefits to disabled and aged individuals with assets and income below a certain level.

          If you mean that you think your children are eligible for benefits as dependents because you receive Social Security Disability (SSDI), any such benefits would be Social Security dependents benefits. It is possible that your children are not getting dependent benefits because you had insufficient work history to provide dependent benefits. You can find out by calling Social Security at 1-800-772-1213 and asking whether your Family Maximum Benefit (FMB) is more than your own benefit. If it is, your children should be eligible.

          If you listed the children on your disability application and you can prove that Social Security did not contact you to file a claim for the children, benefits could be paid back to the date your benefits began to accrue. Otherwise, the maximum retroactivity is six months before you file the application for the children, so in order not to potentially lose benefits, I recommend calling Social Security before the end of the month at 1-800-772-1213 to request an appointment for the application if your FMB is more than your benefit. You do not need an attorney to start the claim. If it turns out that you are going to try to get benefits all the way back to when your claim became payable you might need some legal help with that.

          Sincerely,
          Kay

  • Paola

    Hi:
    Im a single mother with 2 sons. My oldest son is receiving SSI. I lost my job and i currently dont have any income. The father of my youngest son helps me with $700. When i went to Social Security office they reduced my babys SSI from $680 to $446. Why they reduced it. Thank you.

    • Kay Derochie

      Dear Paola,

      The reason for the reduction depends on for whom the $700 was given–for you and the child who is not eligible for SSI, for you only, or for all three of you. If the money was intended for just the you and your youngest son, then there would be no reduction in your older son’s SSI. If it was intended for all three of you, then your older son’s SSI would go down by $213 if he had no other income or by $233 if the income that caused him to be receiving $580 instead of $733 overlapped with the support from your youngest child’s father.

      If the support was for only you and your younger son, file a Request for Reconsideration and submit a statement with it from the father saying that the $700 is only for you and his son, not for your other son. You can get the necessary form, SSA-562 either online or from a Social Security office.

      Sincerely,
      Kay

      • Jackie

        I have been my son’s payee since he was approved at the age of 3, its just him and I his father is not in the picture,we have no family here except for an aunt. In Sept.2012 to Mar.2013 due to an unfortunate false accusation he was removed by cps. I still had him every weekend and all his money was spent on him,because of that I never reported he was out of the home because I didn’t feel he was which I guess now I should have. I got a letter recently stating that I needed to show proof of when he was returned home permanately. so I went to cps a d told them so I filled out the form which they said will take a couple of weeks, which the paper said I only had about a week. So now I received another letter stating that they received an allegation that I misused his benefits and they are delaying his ssi for Aug.2015 until they find a representative payee. Since its hard for me to find work because of his disability that is what we are relying on right now and how we pay rent. I cannot afford to loose the home we have ,it took me forever to find a decent place and if we don’t pay rent we will be homeless..Since it was a couple years ago I have no receipts to show I spent it on him…HELP!! What can I do?what should I do? my aunt said she will be payee for me can she? and will I receive benefits in time for next mo.to pay our rent? Will or can I ever be his payee again? I’m in California f.y.I….Thank you…

        • Kay Derochie

          Dear Jackie,

          I recommend that your aunt go to Social Security right away and apply to be payee for your son. Even if she goes right now, it is probably too late for the money to arrive on time for August. Ask her to request emergency processing because failure to pay the rent could result in the child becoming homeless.

          To address the misuse of funds and to try to become your son’s payee again, I suggest that you write up the reason your son was out of your home (what the misunderstanding was) and the fact he was with you every weekend, and make a list of the kinds of things you purchased for him with the money, explaining that you no longer have the receipts. (If you used any of the money to pay your rent or utilities while he was not living there, that could be considered misuse.)

          Sincerely,
          Kay

          • Jackie

            Thank you so much Kay

            • Kay Derochie

              You are welcome, Jackie.

          • Jackie

            Ok Kat so I just came back from the social security office and they told me that their was nothing I can do until I get some sort of paperwork saying all that was true. I told them that we are going to get evicted if we dont pay next mo. rent and she said I’m sorry but its not in our hands its in the investigators which they investigate fraud, so forth and so on…Now what? do you know of ANYTHING we can do? I mean we will literally be homeless…On top of that school is starting he needs school clothes.Its been 2 yrs since this happened and they are barely saying something. HELP!!

            • Kay Derochie

              Dear Jackie,

              Again, I suggest that you have your aunt apply to be payee right away so that she can receive the August benefits. You might also contact your congressman and explain the situation. Ask that the congressman’s office inquire into how fast the office can process your aunt’s payee application.

              Your landlord probably has to give you advance notice of eviction. I suggest that you find out about your state’s laws.

              Sincerely,
              Kay

          • jackie

            Hi Kay me Jackie again lol….Okay so I went down to cps and tried to get a paper from one of my old workers and none of them worked their anymore not even any supervisors that were on my case…I’m really growing impatient. social security says that even if my son has a New payee in order for him to receive his money again I’m going to need to pay all that money back..Can they do that even though he had nothing to do with it? Can I sighn legal guardian over to my aunt and can he receive his benefits then? I don’t know what to do anymore…I’ve been waiting for my court papers but they haven’t even sent them out yet.

            • Kay Derochie

              Dear Jackie,

              Representative payees are not legal guardians and legal guardians are not always chosen to be representative payee for Social Security or SSI benefits. I do not know whether it is true that the money has to be repaid before benefits can start. You might try asking to have your son’s current monthly benefits started, payable to his aunt, with partial withholding to collect the overpayment.

              Sincerely,
              Kay

  • Cynthia

    I have a question I resently filed for s.s.I for my 11 yr old who is a.d.h.d (diagnosed at age 4) bi-polor 2, oppositional defiant disorder, p.t.s.d, disassociation disorder (also known as multiple personality disorder)and they are thinking he is scitsafranic.they are sending him for a eval.with one of their docs later this month.my hubby works bringing home on average of $550 a week.what would be a close saying if he is approved will my son be getting

    • Kay Derochie

      Dear Cynthia,

      Your husband’s gross pay will be counted, not his take-home pay. The amount your son would receive would depend on whether you have other minor children and whether you or the children have income. You can use the formula in the article “What Are Deemed Income and Resources and How Do They Affect an SSI Application for Children?” under the SSI tab on this website to work out an estimate.

      Sincerely,
      Kay

  • David

    I have a question. My son receives ssi from his retardation and aphasia. I’m also disabled and I receive ssdi. My son now receives the dependent benefits off my credits. His ssi went from 733 to 615 and his ssdi is 140. My monthly payment is 836 a month. I was wondering if my sons ssi payment went down because he’s now receiving the ssdi off my credits? Is he receiving the max? I’m asking because we barely make it financially every month. It takes every nickel we get to pay bills and eat. My son is 21 and pays for housing and food. Also, I was told when he turns 22 that he won’t get ssi anymore but will receive ssdi. And the ssdi he will get will increase. One more thing, since we are low income, can I receive ssi also or no?

    • Kay Derochie

      Dear David,

      The maximum a person can receive in Social Security benefits and federal SSI benefits is $753. Either you made a mistake in one of the figures you posted or you son is receiving a couple dollars of SSI state supplement, which is not paid in every state. I need to know what state he is living in to say whether he is getting the maximum payable.

      Your son’s disabled adult child benefits from your earnings record will continue as long as he is disabled and unmarried. (To be eligible, he only had to become disabled before age twenty-two.) If he marries, the benefits will stop unless he marries a person who also gets disabled adult child benefits. If all his circumstances remain the same as now, when he turns twenty-two, his SSI will continue in the same amount.

      You are not eligible for SSI because your Social Security exceeds $752 per month.

      Sincerely,
      Kay

  • joshua

    My partner works at Walmart he works less than 36 hours a week he makes around 900 a month. I’m on ssi but I also draw off of my moms ssd I don’t get any more money a month due to that but I do get Medicare so if we were to get married what would happen to my benifits wouldn’t loose them or lose some of them please help. We fought so hard for the right to marry but now I’m afraid I’ll loose my income. We can’t afford to live without my ssi. Please help thanks so much.

    • Kay Derochie

      Dear Joshua,

      If you marry, you will not be eligible for the disabled adult child benefits you are receiving on your mother’s Social Security record. It is also likely that your Medicare will also stop. Your ineligibility will be due to your no longer being dependent on a parent once you are married. I suggest that you discuss the impact with Social Security before you marry to double check the information I am giving you, just in case there is a recent change in the law regarding disabled adult child’s benefits.(The only exception I know if is if you marry a person who is also getting disabled adult child benefits.

      Sincerely,
      Kay

      Sincerely,
      Kay

  • Chrissy

    Hi.. I have a kinda complex question. My boyfriend gets SSDI and I receive Social Security Surviors. I’m classified as an adult disabled child. We’ve been looking into getting married and I’ve read that since I have the classification of an adult disabled child that I’d probably lose my benefits if we got married due to him not having the adult disabled child classification. Is there a way we could both keep our benefits and get married?

    • Kay Derochie

      Dear Chrissy,

      I am not aware of any exceptions to the rule. The idea is that if you get married, you are no longer dependent upon your parents for support. If your boyfriend’s Social Security is less than $1,100 a month, you and he might qualify for a small amount of Supplemental Security Income (SSI) as a disabled couple.

      Sincerely,
      Kay

      • Missy

        I have question kay, I have Ssi every month deaf and my daughter deaf too with Ssi she is 14 yr old and what if she choice live with her dad with ssd and if she will lose her check without mom? She live with me long time and was will lose child check ?

        • Kay Derochie

          Dear Missy,

          If your daughter goes to live with her father, her eligibility and payment amount, if eligible, will be based on her and her father’s income. Her father should apply to be her payee and receive her benefits because she would be living with him. (Note: If her father is receiving Social Security Disability (SSD), she may be eligible for Social Security dependents benefits on his earnings record whether or not she lives with him.

          Sincerely,
          Kay

  • Shannon

    My son is 22 and is on ssi. He received a TBI when he was 5. He was approved for ssi based on his disability when he was 20. He lives independently on his own and draws ssi. I am wondering if he will be able to eventually draw ssdi instead of ssi off of me or his dad when we start drawing social security or pass away off of our earnings records. I read something about in order for the child to be able to draw off a parent earning records that the parents had to be providing 50 percent financially for the child at the time of application for benefits. He would now be considered and adult child with a disability. Does this make a difference? I am afraid because he lives independently on his own he would not be able to draw ssdi off of mine or his dads earnings records cause we are not providing 50% financially for him.

    Also, Would he be able to draw ssdi off of his stepdads earnings records when he retires since the child has no earnings records?

    • Kay Derochie

      Dear Shannon,

      If your son is still single when you or his father begin to receive Social Security or when you die, your son will be able to draw disabled adult child benefits. No proof of support is required. He probably cannot draw benefits off his stepfather’s earnings record because of the requirement of the stepparent providing fifty of the disabled adult child’s support.

      Sincerely,
      Kay

  • Bray

    I first applied for ssi/ssdi in 2009 and was denied. My condition became much worse in 2011 so i stopped working full time, i applied again and was awarded benefits of 960 dollars. I made almost 40k per year 2006-2008 and only 13k in 09 and 2010. My condition remains the same…however the amount of my benefit is not just doest make ends meet for me! At first i was just so excited and way too sick to complain about the amount i was granted. I was happy to have recieved anything. Is there any way to get an increase in my amount of benefits…or anyway to have them consider that the year prior to my disability i worked less cause my disease was escalating and i felt horrible.. This is my only time ever leaving a public!post… I hope i am doing it correctly and it finds you! Please advise!!!!

    • Kay Derochie

      Dear Bray,

      Social Security Disability benefits are based on many years earnings, not the last couple. That said, you can request a copy of your earnings record, which will list the amount of your earnings by year. If after reviewing it, you think that some earnings are missing, you can ask the Social Security Administration (SSA) to recalculate your benefit. If the earnings are more than three years ago, you will have to provide proof in the form of a W-2 or pay stubs. If the missing work is more recent and your don’t have proofs, you can give SSA the name and contact information for the employment that is missing and they will investigate.

      Sincerely,
      Kay

  • Tonnette

    I have a letter saying that I was improve by SSI than I received a direct deposit of $0.00 to my account on the 7th of May. I look online today and it says that I am not getting SSI or I am and the payment is $0.00. I call they said since my husband gets SSDI my household income is exceed the amount which is $1,090.00. But, still looking online they have sent me a one time payment of $615.35 on the phone they say that is is a partial payment. How can I get a partial payment and do not recieve benefits? Am I going to get the other partial payment? Am I going to get anyback pay? I can not get SDI because I am 8 creidts shorts so I am calling my doctors to see if they think it is a good idea. I do not know what to do for income my husband income is not enough.

    • Kay Derochie

      Dear Tonnette,

      It is possible that you will be eligible for benefits in future months. Supplemental Security Income (SSI) payments are calculated monthly based in your family’s income in the month. It is possible that your husband’s earnings were too high for payment in one month and enough lower in an other month to allow an amount payable that is less than the maximum federal benefit of $733. (If your husband is paid weekly or bi-weekly, he could have had an extra paycheck in one month.) Be sure to report your husband’s earnings every month.
      Note that the $1,090 amount you reference is not pertinent to your husband’s income or your SSI payment amount. It is a bench-mark amount for determining whether a disabled person is performing substantial work.

      Sincerely,
      Kay

  • frank

    Dear kay, my wife receives ssi and I just started working again and wanted to know if my income is going to affect her ssi.

    • Kay Derochie

      Dear Frank,

      Whether or not your wife’s Supplemental Security Income (SSI) is affected by your work earnings depends on the amount of your earnings and how many minor children, if any, you have in the household to support. Be sure that your wife reports by the 10th of the month following the first month in which you receive a pay check. If your work is going to reduce her benefits, the reduction will occur two months later. She needs to report your earnings monthly and can request to be set up for telephone reporting.

      Sincerely,
      Kay

  • india

    I was told by my lawyer that my ssdi ran out but was instead approved the max for ssi in va. Will my children, whom are minors, recieve auxiliary benefits?

    • Kay Derochie

      Dear India,

      The SSI (Supplemental Security Income) program does not pay auxiliary dependent benefits.

      Sincerely,
      Kay

  • Hi i receive SSI, from a disability I’m born with.I wanted to know if I would be eligible to apply for Medicare?.I receive Medicade with Unitedhealthcare Community Health plan.My mom keeps telling me to find out.I’m 48.I don’twork.

    • Kay Derochie

      Dear Jessica,

      You are not eligible for Medicare. You must be either age sixty-five or be disabled drawing Social Security disability, disabled widows or widowers benefits, or disabled adult child benefits for two years before you qualify for Medicare. If you are unmarried when your parents start drawing Social Security, you can apply for disabled adult child benefits at that time.

      Sincerely,
      Kay

  • Tammy

    Dear Kay,

    I finally received a partially favorable decision from the ALJ. I originally applied for SSDI (and was instructed to also apply for SSI) back in July, 2012. After 2 denials the Appeals Council remanded my case back tot he ALJ. Last week I received the decision notice with an EOD of October 31,2013. The next day received a notice from my local SS office to come in.

    I went in on Friday and brought all the paperwork they asked for . At the end of the “interview” I was told SSI would be paying me approximately $6700 in back pay but SSDI would be paying me monthly. The case worker also said I would be getting back pay from SSDI also.

    I am confused, as my estimated monthly SSDI payments will be $1179 (according to the MYSOCIALSECURITY site. So what is the $6700 from SSI for? I thought it might be fore the 5 month waiting period but that doesn’t seem to add up to $6700. I did ask my case worker but she seemed to be upset with all my questions and I did not want to push my luck with her.

    I was told I should receive my Award letters from both SSDI and SSI in about 45 days, but I am trying to figure out how much money I can expect.

    Thank you for any insight you can provide

    • Kay Derochie

      Dear Tammy,

      The Supplemental Security Income (SSI) back benefits are for the period November 2013 through probably this month. It sounds as if you will be getting your monthly ongoing Social Security Disability (SDI) of approximately $1,179 beginning in March. The Social Security back pay will be released in two or three months and it will be reduced by the amount of SSI back benefits paid for the same months.

      Sincerely,
      Kay

      Sincerely,
      Kay

      Sincerely,
      Kay

  • melissa

    I have a ? I was awarded Ssi for my son and they had owed me back pay they gave me the 1st installment payment and send me a letter I’ll get 2nd installment in 6 months do you know if I’ll receive my 2nd installment back pay in 6months

    • Kay Derochie

      Dear Melissa,

      You should receive the second installment in six months. If you haven’t received it by the end of the sixth month after the first installment, follow up with the local office.

      Sincerely,
      Kay

  • Melissa

    Kay,

    Hearing was held for both SSDI and SSI 12/10/2014

    Judge made his decision the next day. Then my case was stalled so I requested my case to be considered a “critical case” as we are about to be foreclosed on and be homeless. Got a call from the local SSA office stating my case had been approved and they needed me to come in for an interview for the non medical side of the SSI.

    I went to that appointment and supplied everything needed (according to the worker).

    I just checked the SSA website and it says I will be getting 773 per month and then there is a 991 amount that is listed as a one time payment. What does that mean? Are they trying to say that the 991 is my 1st installment of back pay? I filed for both ssdi and ssi in May 2012 and the agreed with that onset date.

    I haven’t received the award letter either delineating all of the awrd amounts, etc. I did receive the full favorable decision

    • Kay Derochie

      Dear Melissa,

      I think you may have meant $733 and not $773. If so, that is an SSI monthly benefit. The $991 may be your monthly Social Security benefit. If it is, your SSI payments will stop and the monthly Social Security will continue. The SSI back pay will be paid first and the Social Security back pay will be reduced by SSI paid for the same months. It may take about a month to get the SSI back pay. If you are not eligible for ongoing SSI, you can have all the back pay released at once. It will take about three months to get the Social Security back pay.

      Sincerely,
      Kay

      Sincerely,
      Kay

      • Melissa

        Thank you for your reply.

        1 followup question – I did in fact receive a check today for the 991 amount and the note on theck is simply written “SSI”. My ongoing payments will $733. Are they trying to say my SSI backpay was so trivial as to be $991?? That makes no sense. This case has been going on for almost 3 years and I get $991 in backpay???!!

        • Kay Derochie

          Dear Melissa,

          I am unable to explain the $991 amount. I suggest that you go to your Social Security office for an explanation of what it is supposed to cover.

          Sincerely,
          Kay

      • David

        I also receive 733 a month for my disability but it is not enough to live on I was wondering how do I receive the other 933 or is that even possible

        • Kay Derochie

          Dear David,

          I am not sure what you are referring to as the “other 933.” Please provide more information.

          Sincerely,
          Kay

  • Tiara

    Hello,
    My son is 12 years old. He was diagnosed with ADD in 2009 in 2014 he was diagnosed with Autism. I applied in 2012 for SSDI and was denied (after he went to the Dr. recommended by SS). I took him to a different Dr. (Mental Health) where he received the Autism diagnosis. If he is approved, does he qualify for retroactive backpay from 2009 being that he was born with Autism?

    • Kay Derochie

      Dear Tiara,

      If your son is approved for Supplemental Security Income (SSI), not SSDI, which is a benefit for disabled workers, his benefits will go back to the month following the month of his most recent application.

      Sincerely,
      Kay

  • Jenny

    Can you get SSD if you have only worked full time for 6 or 7 years I’m 38 now I have many disability but tried to make it on my husband income but it’s getting harder to care for my family with only his income

    • Kay Derochie

      Dear Jenny,

      With six years of full time work, you are fully insured for Social Security Disability. To be currently insured, which is also required, you have to have twenty quarters of coverage in the ten years before you became disabled. The maximum number of quarters that can be earned is four per year. The following amount of earnings equal one quarter of coverage.

      2007 1,000
      2008 1,050
      2009 1,090
      2010 1,120
      2011 1,120
      2012 1,130
      2013 1,160
      2014 1,200
      2015 1,220

      If you are unsure whether you are currently insured, file a claim to find out. If you worked in 2014, submit your 2014 W-2 forms with your application. When you file your disability claim, claim the earliest date you became disabled and, if it was a long time ago, start gathering your old medical records to support your claim.

      If you have been disabled seventeen months or more start your application before the end of the month to avoid potentially losing benefits. You can start your claim by going online at http://www.ssa.gov or by calling Social Security’s call center and asking for an appointment to file a claim. You do not have to complete your claim in January to protect the filing date.

      Sincerely,
      Kay

  • lashawn

    Hi Kay,

    I was recently approved for a one time back pay payment of around $7,700 on behalf of my father on or about Dec.27.2014. I was originally told it would take 2-4 weeks to receive payment but when I spoke with a woman from the local office she told me I shouldn’t check again for at least another 30 days. Can you fill me in on this process, what and how long these steps normally take? As I am not currently staying at my mailing address and I’m not sure when to expect payment. I’ve also tried setting up an as account to track the status but the website said it couldn’t create an account for my social security number…I’m just kinda lost, please make this situation clearer for me..

    • Kay Derochie

      Dear Lashawn,

      It can take two or three months or more for the payment center to process the claim and pay it. If you have any questions about the safety of your check at your mailing address, I suggest that you get a post office box and notify Social Security of the new address or request direct deposit of the payment to a bank account.

      Sincerely,
      Kay

  • Andrew

    Kay,

    I just had a few questions about the differences between SSI and SSDI. I have been getting SSI since 1999, and have worked in the past. I had a telephone review the other day with Social Security, and know they are wanting to try to switch my social security over to SSDI instead of SSI.

    Will I have to go through the whole process all over again? It took me ten years to win my appeal, after getting turned down three different times.

    Will I be able to keep my SSI benefits that I have if I am denied SSDI?

    I am so scared that after working so hard for all that time…that I may lose everything.

    • Kay Derochie

      Dear Andrew,

      From the information you have given, I surmise that you worked a little while getting Supplemental Security Income (SSI) and now you are insured for Social Security Disability (SSDI). If that is the case, you will not need a new medical decision to get SSDI. If your Social Security is below $753.00 a month, your SSI will continue in a reduced amount, and between the two you will receive $753, plus whatever SSI state supplement your state may have. (Only some states have supplements.)

      Sincerely,
      Kay

  • tracey

    if i am disable and my child is also receiving payment when she turns 18 and her payments stop will i receive any more in my check

    • Kay Derochie

      Dear Tracey,

      Your benefits will not increase when your daughter’s benefits stop because her dependents benefits are being paid in addition to yours, not out of your benefit.

      Sincerely,
      Kay

  • Mitzi arred

    I’m awaiting a hearing with A Alj after 2yeArs , my ex used to pay rent and lights and water as means of child support, and now as decided he wants to be repaired, since I will possibly be getting SSI, for low income? I’m not positive I will win, but I feel as does my attorney feels I have a good chance, even better chance being in her words I have a good judge, she says I have a 23% more chance of winning on top of the good chance I already had with my illness, fibro, bipolar depression,anxiety, Ra, DDD,some other back disorders, along with a recent double back surgery Tlif spinal fusion leaving me not being able to lift more than 8lbs, not being able to sit,stand, walk more than 10 mins, ect. My question I guess is now that he is not wanting to pay these bills rent, and ulilites, as child support as once agreed, instead of me taking him to court, he will pay them as a loan, and wants me to pay back the next few months with any back pay I receive either way I have to pay back win or lose? How would this affect my case ? Do I tell my attorney of this matter now? Is this something I tell SS if I win help ,e understand? If they keep it as it is now, he pay as child support I would probably get less SSI payment, to my understanding I couldn’t make it paying him back on that , I’m totally confused. I know I’m jumping the gun, but I’d rather be prepared. Thanks Mitzi

    • Kay Derochie

      Dear Mitzi,

      I cannot advise you on family law. I can confirm that your ex’s paying your rent and utilities in past months up to now would be income for Supplemental Security Income (SSI) and you would receive a reduced amount. If you decided to release your ex from child support obligations and entered into a written agreement that his help beginning with a certain month is a loan that must be repaid, then the loan would not count as income against the SSI. Again, I am not providing advice on whether or not you should do this. I suggest you discuss the loan vs. child support with your current attorney.

      Sincerely,
      Kay

  • S. Paradiso

    What a lovely website in a sea of misinformation and hidden answers (on purpose, it appears).

    I have been on SSD for five years and have a way to go (some several years) before I reach “retirement” age. Medigap is skyrocking every year.

    1. Is there a limit to how much the gap plan can go up each year?
    2. If I opt out of the gap plan, and end up with a catastrophic illness (leaving that “hole”), what of my assets can be garnished? I co-own (JTWROS) a home, have IRAs from work years, and a couple of pensions.
    3. I cannot be on SSI.

    Hope you’re still out there.

    Thanks much.

    • Kay Derochie

      Dear S.,

      I believe you are mistaken about misinformation on this site. If you would like cohesive information read the 100 articles on the site that can be accessed via the tabs on the top navigation bar. (This question-and- answer forum is intended to respond to specific person’s specific question and does not provide organized information, so that the information can be “hidden” if you are looking for a specific topic.)

      Unfortunately, I do not have the Part D Medicare information that you are seeking. (Answer to your first question.) I suggest that you pose your second question to an attorney.

      Sincerely,
      Kay

  • Marie

    Hello, Kay! I was hoping you could give me some advice and insight on my situation.

    I have been on SSI since I was a teenager for severe RA — I was getting the full amount allotted to individuals. I am almost 30 now and a college student. I am also am married and we have a child. Until recently, my husband has been unemployed while attending school. We live in an apartment where our rent was reduced to $125 a month because our complex changed to a “rural development” unit based on 30% of your income. The only income we had was my SSI & student refunds. We also got food stamps to supplement. Recently, my husband got a job where he makes 8.50 an hour. I reported his wages for October like requested — they never sent back the pay stubs. I got a paper saying my payments were reduced to $600.

    After that, I have tried to contact our local SS office (which was closed for almost a year because of an “odor” in the building), the income reporting phone number (the system could never pull my name), and the smart phone wage reporter — to no avail. This month, I got $623 and then an additional $93. I tried calling numerous times but could never get anyone who knew what was going on.

    Today, I got a letter saying they were lowering my payments from $623 to $0.00 beginning February 2015. It also said that they were changing the amounts I was due for November 2014 through January 2015. The letter said it was based on estimated wages of my husband:

    $1912.13 for October 2014, $3420.39 for December 2014, and $3016.32 for January 2015 on. It also said my husband’s wages for November 2014 of $2828.60 were used.

    However, I have all of my husband’s pay stubs and those amounts they used were estimates — very generous ones at that! My husband only made $3824.94 from October up to December 31.

    I went through his pay stubs and from November 30 to December 27, he only made $1505.53 —- which is obviously a FAR cry from the estimate of $3420.39 for December alone!

    December 28 to Jan 3 — He made $316.63
    Jan. 5 (2015) to Jan. 9 — He made $312.38

    As you can see, he is definitely not making what they estimated (and the paper definitely says these are estimated wages received). My question to you is what should I do? The local office never answers their phones and I am unable to drive to the office by myself because I have a 4 year old and not only do I not have anyone to watch him, but I am physically unable to buckle him/unbuckle him due to RA in my hands. I call the main SS hotline and they tell me to call the wage reporting line (which I suppose I’m not in the system for that reporting method) or my local office.

    Is this a simple case of them over-estimating? If I am able to get ahold of them and show them how much my husband has really earned, will my SSI be reinstated? My husband works between 35 and 60 hours a week and we barely get by since our rent was raised so much. I really relied on my SSI to help out and I feel very, very discouraged and disappointed.

    • Kay Derochie

      Dear Marie,

      When you are able to report the correct wages, the claim will be recalculated using the correct wages and your benefits will be reinstated and adjusted retroactively. I suggest trying to get a relative or friend to either drive you to the Social Security office first thing in the morning (plan to wait for your turn) or to watch your child. Take the pay stubs but do not leave the originals. Ask that in addition to correcting the calculation of your claim that they also correct the problem of your enrollment in the automated wage reporting line so you can report monthly after this.

      While you are in the office, double check that they have on file that you have a minor child in the household. Also, I don’t know what you mean by “student refunds;” but whatever it is, be sure Social Security knows about the income to be sure it is not countable income.

      Sincerely,
      Kay

      Sincerely,
      Kay

  • Elizabeth

    My son’s father passed away and they told me I couldn’t get benefits for him because his father didn’t have enough credits. Is this true? and if so why?

    • Kay Derochie

      Dear Elizabeth,

      It is possible that your son’s father didn’t work enough to insure his surviving child for survivor benefits. If you have proof of where he worked, such as W-2 forms or pay stubs, you could request a copy of his earnings record from Social Security and compare the record to the proofs you have to see whether they have all been posted. If they have not, you could appeal the decision.

      Sincerely,
      Kay

  • Kimberly

    How long do you half to live in a state to apply for ssi ssd or any kind of ss ?

    • Kay Derochie

      Dear Kimberly,

      Social Security Disability (SSD) and Supplemental Security Income (SSI) are federal benefit programs. You can apply from any state at any time.

      Sincerely,
      Kay

  • Gwendolyn

    I was wondering, if I recieve disability payments for my son who was born premature 2lbs 8oz and a year later had another baby premature 2lbs 9oz , will I be able to apply for disability for my daughter as well? Will I get two monthly payments or will it remain the same?

    • Kay Derochie

      Dear Gwendolyn,

      Yes, you can apply for Supplemental Security Income (SSI) for your second child. If she is approved, her claim will be separately from your son’s and you will receive a separate payment for each.

      Sincerely,
      Kay

  • Theresa D

    Hello Kay,
    My Ex husband has been disabled for 10 years (started when we were married) receiving benefits for himself and our 2 children that are both under 18.
    When we divorced it was put in our agreement that I will not get any of his monies. Fine no problem. We have 50/50 custody. He was awarded a few years ago for child support ( me to pay him) because I actually made $200 more a month then he did, because the money he receives for the children is NOT calculated into his monthly income, because it is for the children. that finally stopped after a year or so.
    I recently moved out of state with my children, whom I have custody of during the school year and he gets them for about 2 months in the summer. He still receives the benefits for my children, even tho they don’t live with him. He DOES NOT have any of the money put into any type of dedicated account for them,( never has) and no I do not receive any child support for them either.
    My question is, should SSA be notified that the kids no longer reside with him on a 50/50 basis and should the money be automatically put into a dedicated account for my children for when they reach 18 for future schooling/college?
    Any info will be very grateful!

    • Kay Derochie

      Dear Theresa,

      Go to the nearest Social Security office and apply to be payee for your children’s benefits. The benefits should come be paid to you and the money should be used for the children’s current needs. If any is left over, it should be saved for them for later unexpected needs or post-secondary education or job training. You should give your ex-husband at least some of the money for the children’s food and incidental needs during the two months they are with in the summer. Transfer the money to your ex-husband by check or other means that provides documentation to prove that you met the children’s needs while they were temporary out of your care.

      Sincerely,
      Kay

      • Theresa D

        Thank you!!

        • Kay Derochie

          You are welcome, Theresa.

  • dawn

    We live in florida.my sister gets ssi for her kids.i cant be the payee for my kids ssi can my sister be the payee and will if lower her ssi amount?i got a letter saying i cant be the payee maybe because of my resent jail i just did or my probation im on.i just like to know if she becomes my payee will if lower any of are ssi amount since we both get ssi for are kids.my kids ssi is in the grandmother name who had. Y kids while i was in jail but i have the back and ssi denied me as the payee.the grandmother will not give me my kids money but they live with me and nolonger her.ive had the kids since dec.19.2014.and she used January money on her bills and her while i struggle with my kids.the money is for there needs.what do i do

    • Kay Derochie

      Dear Dawn,

      Your sister can be payee for your children’s SSI without affecting the SSI of her own children. You need to report that that your children’s grandmother misused their January check. Social Security will try to get the money back. If they do, they will reissue it to the new payee. The payee should not just give you the full check. Instead, she should go over a spending plan with you and pay for the rent and utilities directly and purchase other essentials for the household and children first before giving you can cash to manage.

      Sincerely,
      Kay

  • rhonda

    I applied for ssi for my son likd 6 years ago and he ws denied for mood disorders and now we are reapplyin in a different state bec he is being treated again fid mood disorders by a different dr and also for depressive disorder so how do i know if he should get back time bec he has always had these problems.

    • Kay Derochie

      Dear Rhonda,

      If approved, your son’s Supplemental Security Income (SSI) benefits will be paid based on his current application only. Benefits will start the month after the month of application unless he applies on the first of the month in which case benefits will begin with the month of application.

      Sincerely,
      Kay

  • Patrick

    I have a question about my mom. My dad died in 2004 and my mom gets his social security monthly. All that money she gets pays for all the bill and house mortgage. Why can’t she get help from SNAP for food stamps. My brother and sister live with her and one makes ok money while my sister babysits and the 2 of them barely make enough to buy food for house. So the thing is why is my mom being turned downed for food stamps or the link card as we call it in ILLINOIS. Please can someone kinda help with a response on why this is and why does a guy that works 40 hours a week at $8.25 hour and still get $194 of food stamps and my mom can’t get anything or the latest they told her is $16 a month is what she can get. Why is this?

    • Kay Derochie

      Dear Patrick,

      I am not an expert on Illinois food stamp regulations, but I will throw out a couple of ideas that your mother might pursue. First, she needs to request a copy of the facts and calculations to be sure that the agency has the correct facts. One possibility is that the contributions from her son and daugher are being counted as your mother’s income. Or it could be that your mother, sister, and brother share food and thus all their incomes count to determine a single food stamp grant for all of them. Another possibility is that your mother has not listed expenses that could increase the grant, such as medical expenses.

      Sincerely,
      Kay

  • mauro Saldanha

    I’m just about turning 66 yold and I need to know if I can get my SSI benefits outside the US. I’m aware that one month is the limit but the forms are never explicit about older age.
    Don’t tell me that I can’t, please.

    • Kay Derochie

      Dear Mauro,

      If you receive Supplemental Security Income (SSI) either for disability or for advanced age, you can receive benefits only while a resident of the United States or the North Mariana Islands. If you are out of the U.S. an entire calendar month or for thirty days, you are no longer eligible for benefits. If you return within a year of termination of benefits, benefits would begin with the first month after you had been back in the U.S. for thirty days. After a year’s absence, you would have to file a new claim.

      Sincerely,
      Kay

  • Mary

    I receive SSI and have ever since I turned 18 due to the thought of being taken off my parents insurance. Because of the law I am on it until 26. So I receive my insurance as well as Medicaid. Which helps because I don’t have to pay anything out of pocket.

    I am 24 now, it’s never been about the money but more so the benefits because Medicaid helps what my parents insurance does not cover.

    I have met someone and we have talked about the future and getting married. I recently read I can’t get married due to he makes more than what is allowed for me not only to keep receiving SSI but also Medicare.

    I was wondering if there are any programs out there that could help with medical costs that insurance does not cover if I were to remove myself from SSI?

    • Kay Derochie

      Dear Mary,

      If your prospective husband works for an employer that provides dependent health insurance, that could be a source of insurance. Also, there is the Affordable Care Act (Obamacare.) If you lose your Medicaid and aren’t eligible under your parents’ insurance any longer, you can apply for insurance under the Affordable Care Act. If your income is low enough, government subsidies are available to help with the cost of premiums. You can learn more by visiting http://www.healthcare.gov.

      Sincerely,
      Kay

  • keath

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

    • Kay Derochie

      Dear Keath,

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

      Sincerely,
      Kay

  • marie

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

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

    • Kay Derochie

      Dear Marie,

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

      Sincerely,
      Kay

      • marie

        Thank you for the reply. My parents are married. Have been for 33 years. My dad was on ssdi briefly, but since his disabilities are from the military they switched him over to a Va pension instead. He makes over the limited amount for couples.
        My dad’s medical & financial needs are taken care of.

        It is my Mom that needs the help.
        She is told because my dad has an income, that she is ineligible for any benefits.
        Social security tells her to apply for veteran spouse related programs, saying anything she makes affects my dad’s income & they will take it away from him. Then they tell her she is not qualified for champs or any other programs.
        They send her back to social security, who also tell her She is not qualified for anything for one reason or another.
        It seems she is getting disqualified everywhere she goes, even though she cannot work due to her health, cannot afford health care & basically has no income. I’m the one that helps her with appointments & paperwork.
        She is being bounced around the system & no one wants to do anything about it.
        Even I am baffled to how she is being treated.
        (Why is it people with drug & alcohol addictions can easily get disability benefits, but a senior citizen with a bad heart cannot get anything ?)
        Is there anything else that can be done to help her ?
        Thank you.

        • Kay Derochie

          Dear Marie,

          I don’t have anything to add beyond my prior comments. I have not heard of people not getting Social Security Disability or Retirement because they were eligible for a VA pension. It may be that your father was switched from Supplemental Security Income (SSI) to VA pension and that he is not insured for Social Security. I would double check that he cannot draw Social Security because if he can, your mother can get wife’s benefits. Your mother can also apply for health insurance under the Affordable Care Act (Obamacare). The open enrollment period for this year continues until February 15. She may be eligible for a government subsidy to pay for the premiums. She can get more information at http://www.healthcare.gov

          Sincerely,
          Kay

  • Krystal

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

    • Kay Derochie

      Dear Krystal,

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

      Sincerely,
      Kay

  • Chris

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

    • Kay Derochie

      Dear Chris,

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

      Sincerely,
      Kay

      • Chris

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

        • Kay Derochie

          Dear Chris,

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

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

          Sincerely,
          Kay

  • Randy

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

    • Kay Derochie

      Dear Randy,

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

      Sincerely,
      Kay

  • stacy

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

    • Kay Derochie

      Dear Stacy,

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

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

      Sincerely,
      Kay

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

    • Kay Derochie

      Dear Priscilla,

      I need more information to respond.

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

      Sincerely,
      Kay

  • Gwen

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

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

    • Kay Derochie

      Dear Gwen,

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

      Sincerely,
      Kay

  • ebony hill

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

    • Kay Derochie

      Dear Ebony,

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

      Sincerely,
      Kay

  • Al quijano

    Hi kay

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

    • Al quijano

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

      • Kay Derochie

        Dear Al,

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

        Sincerely,
        Kay

    • Kay Derochie

      Dear Al,

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

      Sincerely,
      Kay

  • Jessica

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

    • Kay Derochie

      Dear Jessica,

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

      Sincerely,
      Kay

  • tom

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

    • Kay Derochie

      Dear Tom,

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

      Sincerely,
      Kay

  • Larry Yates

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

    • Kay Derochie

      Dear Larry,

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

      Sincerely,
      Kay

  • Mico

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

    • Kay Derochie

      Dear Mico,

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

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

      Sincerely,
      Kay

  • laketra

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

    • Kay Derochie

      Dear Laketra,

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

      Sincerely,
      Kay

  • Tisha

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

  • Tisha

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

    • Kay Derochie

      Dear Tisha,

      It can take a month or two for benefits to actually start.

      Sincerely,
      Kay

  • Henry

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

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

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

    Is that possible?

    Thank you.

    • Kay Derochie

      Dear Henry,

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

      Sincerely,
      Kay

  • Tameka

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

    • Kay Derochie

      Dear Tameka,

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

      Sincerely,
      Kay

  • ralph

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

    • Kay Derochie

      Dear Ralph,

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

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

      Sincerely,
      Kay

  • Robin

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

    • Kay Derochie

      Dear Robin,

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

      Sincerely,
      Kay

  • Justin Holcomb

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

    • Kay Derochie

      Dear Justin,

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

      Sincerely,
      Kay

  • Scott Curtis

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

    • Kay Derochie

      Dear Scott,

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

      Sincerely,
      Kay

  • Kay Derochie

    Dear Robyn,

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

    Sincerely,
    Kay

  • Tish

    Hi Kay,

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

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

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

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

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

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

    Thanks for your time!
    Tish

    • Kay Derochie

      Dear Tish,

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

      Sincerely,
      Kay

      • Tish

        Great! Thanks so much for this information!

        Tish

        • Kay Derochie

          You are welcome, Tish.

  • Laura

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

    • Kay Derochie

      Dear Laura,

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

      Sincerely,
      Kay

  • Tamika

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

    • Kay Derochie

      Dear Tamika,

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

      Sincerely,
      Kay

  • Zack

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

    • Kay Derochie

      Dear Zack,

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

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

      Sincerely,
      Kay

  • Grace Jen

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

    • Kay Derochie

      Dear Grace,

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

      Sincerely,
      Kay

  • Jill

    Hi.

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

    Thanks

    • Kay Derochie

      Dear Jill,

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

      Sincerely,
      Kay

  • gordie mcneil

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

    • Kay Derochie

      Dear Gordie,

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

      Sincerely,
      Kay

  • Olivia Arellano

    Hello,

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

    • Kay Derochie

      Dear Olivia,

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

      Sincerely,
      Kay

  • Sabrina Wallace

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

    • Kay Derochie

      Dear Sabrina,

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

      Sincerely,
      Kay

  • William

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

    • Kay Derochie

      Dear William,

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

      Sincerely,
      Kay

      • William

        Ty u so much Katy for the answer really appreciate it.

        • Kay Derochie

          You are welcome, William.

  • MariaLynn

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

    • Kay Derochie

      Dear MariaLynn,

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

      Sincerely,
      Kay

  • Jay

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

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

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

    -Jay

    • Jay

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

      • Kay Derochie

        Dear Jay,

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

        Sincerely,
        Kay

    • Kay Derochie

      Dear Jay,

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

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

      Sincerely,
      Kay

  • cynthia wisbey

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

    • Kay Derochie

      Dear Cynthia,

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

      Sincerely,
      Kay

  • Terri

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

    • Kay Derochie

      Dear Terri,

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

      Sincerely,
      Kay

  • natasha smith

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

    • Kay Derochie

      Dear Natasha,

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

      Sincerely,
      Kay

  • Don

    Kay,

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

    • Kay Derochie

      Dear Don,

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

      Sincerely,
      Kay

      Sincerely,
      Kay

  • lisa suttle

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

    • Kay Derochie

      Dear Lisa,

      I need more information to respond. What are the sources of your two payments?

      Sincerely,
      Kay

  • Joe Harris

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

    • Kay Derochie

      Dear Joe,

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

      Sincerely,
      Kay

      • Joe Harris

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

        • Kay Derochie

          Dear Joe,

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

          Sincerely,
          Kay

  • Tyson

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

    • Kay Derochie

      Dear Tyson,

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

      Sincerely,
      Kay

  • James

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

    • Kay Derochie

      Dear James,

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

      Sincerely,
      Kay

  • John

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

    • Kay Derochie

      Dear John,

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

      Sincerely,
      Kay

  • mrsmartin

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

    • Kay Derochie

      Dear Mrs. Martin,

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

      Sincerely,
      Kay

  • Jair Portugal

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

    • Kay Derochie

      Dear Jair,

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

      Sincerely,
      Kay

  • tyson

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

    • Kay Derochie

      Dear Tyson,

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

      Sincerely,
      Kay

  • Laura

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

    • Kay Derochie

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

      Sincerely,
      Kay

  • steve

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

    • Kay Derochie

      Dear Steve,

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

      Sincerely,
      Kay

  • Tanya Cherry

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

    • Kay Derochie

      Dear Tanya,

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

      Sincerely,
      Kay

  • Helen

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

    • Kay Derochie

      Dear Helen,

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

      Sincerely,
      Kay

  • Marion Alexander

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

    • Kay Derochie

      Dear Marion,

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

      Sincerely,
      Kay

  • angela

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

    Thank you.

    • Kay Derochie

      Dear Angela,

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

      Sincerely,
      Kay

  • angela

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

    • Kay Derochie

      Dear Angela,

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

      Sincerely,
      Kay

  • Brenda Decker

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

    • Kay Derochie

      Dear Brenda,

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

      Sincerely,
      Kay

  • Kim

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

    • Kay Derochie

      Dear Kim,

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

      Sincerely,
      Kay

      • Kim

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

    • Kim

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

      • Kay Derochie

        You are welcome, Kim.

  • Yansa Toussaint

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

    • Kay Derochie

      Dear Yansa,

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

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

      Sincerely,
      Kay

  • Lashonda Houchin

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

    • Kay Derochie

      Dear Lashonda,

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

      Sincerely,
      Kay

  • Joe Harris

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

    Thanks Joe

    • Kay Derochie

      Dear Joe,

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

      Sincerely,
      Kay

      • Joe Harris

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

        Joe

        • Kay Derochie

          Dear Joe,

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

          Sincerely,
          Kay

  • Kim Perry

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

    Thank you,

    • Kay Derochie

      Dear Kim,

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

      Sincerely,
      Kay

  • carlos

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

    • Kay Derochie

      Dear Carlos,

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

      Sincerely,
      Kay

      • carlos

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

        • Kay Derochie

          Dear Carlos,

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

          Sincerely,
          Kay

  • sara

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

    • Kay Derochie

      Dear Sara,

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

      Sincerely,
      Kay

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

    • Kay Derochie

      Dear Felicia,

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

      Sincerely,
      Kay

  • RON

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

    • Kay Derochie

      Dear Ron,

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

      Sincerely,
      Kay

      • RON

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

        • Kay Derochie

          Dear Ron,

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

          Sincerely,
          Kay

  • jackee

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

    • Kay Derochie

      Dear Jackee,

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

      Sincerely,
      Kay
      Sincerely,.

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

    • Kay Derochie

      Dear April,

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

      Sincerely,
      Kay

      Sincerely,
      Kay

  • Molly

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

    • Kay Derochie

      Dear Molly,

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

      Sincerely,
      Kay

  • Pamela S Guerin

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

    • Kay Derochie

      Dear Pamela,

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

      Sincerely,
      Kay

  • Jane smith

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

    • Kay Derochie

      Dear Jane,

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

      Sincerely,
      Kay

      Sincerely,
      Kay

      Sincerely,
      Kay

  • sharika

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

    • Kay Derochie

      Dear Sharika,

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

      Sincerely,
      Kay

      • sharika

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

        • Kay Derochie

          Dear Sharika,

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

          Sincerely,
          Kay

          • sharika

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

            • Kay Derochie

              Dear Sharika,

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

              Sincerely,
              kay

  • rena

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

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

    • Kay Derochie

      You got it right, Rena.

      • rena

        Hello kay….and thank you so much.

        • Kay Derochie

          You are welcome, Rena.

          • Edlene

            What will happen if it’s spent? Like at stores Nd needs for the house?

            • Kay Derochie

              Dear Edlene,

              Please see my response to your prior question. If the money is in a Dedicated Account and if the things needed for the house are related to your son’s disability, you might be able to use some of the money. I suggest that you discuss what you want to spend the money on with Social Security in advance of spending anything.

              Sincerely,
              Kay

  • rena

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

    • Kay Derochie

      Dear Rena,

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

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

      Sincerely,
      Kay

      • rena

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

        • Kay Derochie

          Dear Rena,

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

          Sincerely,
          Kay

          • rena

            Thanks Kay….4 your help.

            • Kay Derochie

              You are welcome, Rena.

  • stacie brown

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

    • Kay Derochie

      Dear Stacie,

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

      Sincerely,
      Kay

  • Megan

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

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

    • Kay Derochie

      Dear Megan,

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

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

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

      Sincerely,
      Kay

  • sharika

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

    • Kay Derochie

      Dear Sharika,

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

      Sincerely,
      Kay

      • sharika

        So when he gets his normal monthly payment in three months he will get back pay

        • Kay Derochie

          Dear Sharika,

          The three month time frame is an estimate. It does begin with when the first monthly benefit is paid.

          Sincerely,
          Kay

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

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

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

    • Kay Derochie

      Dear Jean,

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

      Sincerely,
      Kay

  • Jamie

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

    • Kay Derochie

      Dear Jamie,

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

      Sincerely,
      Kay

  • Jessica Stern

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

    • Kay Derochie

      Dear Jessica,

      To answer your numbered questions:

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

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

      Sincerely,
      Kay

  • adrienne rodriguez

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

    • Kay Derochie

      Dear Adrienne,

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

      Sincerely,
      Kay

  • adrienne rodriguez

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

    • Kay Derochie

      Dear Adrienne,

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

      Sincerely,
      Kay

  • Kathleen Galas

    Hi Kay!

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

    • Kay Derochie

      Dear Kathleen,

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

      Sincerely,
      Kay

      • Kathleen Galas

        Thank you so much Kay! Believe it or not, I called the SS Office and they told me they cannot predict if there will be a change in benefits. You were a great help!
        –Kathy

        • Kay Derochie

          You are welcome, Kathleen.

  • shawna

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

    • Kay Derochie

      Dear Shawna,

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

      Sincerely,
      Kay

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

    • Kay Derochie

      Dear Joseph,

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

      Sincerely,

      Kay

    • Pennie

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

      • Kay Derochie

        Dear Pennie,

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

        Sincerely,
        Kay

  • deaven

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

    • Kay Derochie

      Dear Deaven,

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

      Sincerely,

      Kay

  • Idis

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

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

    • Kay Derochie

      Dear Idis,

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

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

      Sincerely,

      Kay

  • Pamela

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

    • Kay Derochie

      Dear Pamela,

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

      Sincerely,

      Kay

  • Kimberly

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

    • Kay Derochie

      Dear Kimberly,

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

      Sincerely,

      Kay

  • Tiff

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

    • Kay Derochie

      Dear Tiff,

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

      Sincerely,
      Kay

  • lori oathout

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

    • Kay Derochie

      Dear Lori,

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

      Sincerely,
      Kay

  • EBONY

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

    • Kay Derochie

      Dear Ebony,

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

      Sincerely,

      Kay

  • James

    why im only receiving ssi and not ssdi also?

    • Kay Derochie

      Dear James,

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

      Sincerely,

      Kay

  • emily

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

    • Kay Derochie

      Dear Emily,

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

      Sincerely,

      Kay

  • Danyelle

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

    Danyelle

    • Danyelle

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

      Danyelle

      • Kay Derochie

        Dear Danyelle,

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

        Sincerely,
        Kay

    • Kay Derochie

      Dear Danyelle,

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

      Sincerely,

      Kay

  • Kristina

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

    • Kay Derochie

      Dear Kristina,

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

      Sincerely,

      Kay

  • Mmatth

    I wanted to know something……

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

    Thank you,

    MM

    • Kay Derochie

      Dear Mmatth,

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

      Sincerely,

      Kay

  • abby torres

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

    • Kay Derochie

      Dear Abby,

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

      Sincerely,

      Kay

  • Joan R.

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

    • Kay Derochie

      Dear Joan,

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

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

      Sincerely,

      Kay

  • KathyDR

    Hi Kay

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

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

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

    • Kay Derochie

      Dear Kathy,

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

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

      Sincerely,

      Kay

  • Anna m

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

    • Kay Derochie

      Dear Anna,

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

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

      Sincerely,

      Kay

  • Danyelle

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

    • Kay Derochie

      Dear Danyelle,

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

      Sincerely,

      Kay

  • Danyelle

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

    • Kay Derochie

      Dear Danyelle,

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

      Sincerely,

      Kay

  • Joe

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

    • Kay Derochie

      Dear Joe,

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

      Thank you,

      Kay

    • evelyn padilla

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

      • Kay Derochie

        Dear Evelyn,

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

        Sincerely,
        Kay

  • julie

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

    • Kay Derochie

      Dear Julie,

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

      Sincerely,

      Kay

  • sherry

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

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

    Anyways, thank you.

    • Kay Derochie

      Dear Sherry,

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

      Sincerely,

      Kay

  • Lizette

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

    • Lizette

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

    • Kay Derochie

      Dear Lizette,

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

      Sincerely,

      Kay

  • cynthia

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

    • Kay Derochie

      Dear Cynthia,

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

      Sincerely,

      Kay

  • tamur

    Hello,

    Need your help regarding below scenario.

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

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

    • Kay Derochie

      Dear Tamur,

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

      Sincerely,

      Kay

  • Tony

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

    Sincerely, Tony

    • Kay Derochie

      Dear Tony,

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

      Sincerely,

      Kay

  • billy ray holland 3rd

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

    • Kay Derochie

      Dear Billy Ray,

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

      Sincerely,

      Kay

  • Vilma

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

    • Kay Derochie

      Dear Vilma,

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

      Sincerely,

      Kay

  • Joe

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

    • Kay Derochie

      Dear Joe,

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

      Sincerely,

      Kay

  • Mary

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

    • Kay Derochie

      Dear Mary,

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

      Sincerely,

      Kay

  • Kathy Miller

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

    • Kay Derochie

      Dear Kathy,

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

      Sincerely,

      Kay

  • Vivian

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

    • Kay Derochie

      Dear Vivian,

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

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

      Sincerely,

      Kay

      • Vivian

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

        • Kay Derochie

          Thank you and you are welcome, Vivian.

  • Sophie

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

    • Sophie

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

      • Kay Derochie

        Dear Sophie,

        Please see my response to your first post.

        Sincerely,

        Kay

    • Kay Derochie

      Dear Sophie,

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

      Sincerely,

      Kay

      • Sophie

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

        • Kay Derochie

          Dear Sophie,

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

          Sincerely,

          Kay

  • Soutsada

    Hi Kay,

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

    Soutsada

    • Kay Derochie

      Dear Soutsada,

      She can certainly apply and be evaluated for eligibility/

      Sincerely,

      Kay

      • Soutsada

        Thanks, Kay, for all your wonderful help. I’ll advise my grandmother accordingly. Have an awesome day!

        • Kay Derochie

          You are welcome, Soutsada.

  • Clarissa

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

    • Kay Derochie

      Dear Clarissa,

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

      Sincerely,

      Kay

  • Mary Newhall

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

    • Kay Derochie

      Dear Mary,

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

      Thank you,

      Kay

  • la tochia

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

    • Kay Derochie

      Dear La Tochia,

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

      Sincerely,

      Kay

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

  • Dallas

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

    • Kay Derochie

      Dear Dallas,

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

      Sincerely,

      Kay

  • tonisha

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

    • Kay Derochie

      Dear Tonisha,

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

      Sincerely,

      Kay

  • Irene

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

    • Kay Derochie

      Dear Irene,

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

      Sincerely,

      Kay

  • Heather

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

    • Kay Derochie

      Dear Heather,

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

      Sincerely,

      Kay

  • Renee

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

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

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

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

    Thank you for your help!

    Renée

    • Kay Derochie

      Dear Renee,

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

      Sincerely,

      Kay

  • Tiara

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

    • Kay Derochie

      Dear Tiara,

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

      Sincerely,

      Kay

  • Elizabeth

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

    • Kay Derochie

      Dear Elizabeth,

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

      Sincerely,

      Kay

  • Patti

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

    • Kay Derochie

      Dear Patti,

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

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

      Sincerely,

      Kay

  • Brian

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

    • Kay Derochie

      Dear Brian,

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

      Sincerely,

      Kay

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

    • Kay Derochie

      Dear Angela,

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

      Sincerely,

      Kay

  • eugenie

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

    • Kay Derochie

      Dear Eugenie,

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

      Sincerely,

      Kay

      • eugenie

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

        • eugenie

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

          • Kay Derochie

            Dear Eugenie,

            I am glad that you got the clarification you needed.

            Sincerely,

            Kay

  • HOLLY

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

    • Kay Derochie

      Dear Holly,

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

      Best regards,

      Kay

  • eugenie

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

  • eugenie

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

  • kathy

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

    • Kay Derochie

      Dear Kathy,

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

      Sincerely,

      Kay

  • Crystal

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

    • Kay Derochie

      Dear Crystal,

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

      Best regards,

      Kay

  • C Schafer

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

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

    • Kay Derochie

      Dear C.,

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

      Sincerely,

      Kay

      Sincerely,

      Kay

  • Tamesha

    Kay,

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

    • Kay Derochie

      Dear Tamesha,

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

      Sincerely,

      Kay

  • TimSS

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

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

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

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

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

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

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

    Tim

    • Kay Derochie

      Dear Tim,

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

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

      Sincerely,

      Kay

  • Tracy Hecken

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

    • Kay Derochie

      Dear Tracy,

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

      Sincerely,

      Kay

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

    • Kay Derochie

      Dear Marcus,

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

      Sincerely,

      Kay

  • Alberto Torres

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

    • Kay Derochie

      Dear Alberto,

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

      Sincerely,

      Kay

  • Rebecca

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

    • Kay Derochie

      Dear Rebecca,

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

      Sincerely,

      Kay

  • Susan Hall

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

    • Kay Derochie

      Dear Susan,

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

      Sincerely,

      Kay

  • Anne

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

    • Kay Derochie

      Dear Anne,

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

      Sincerely,

      Kay

  • HERMAN CORDIER

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

    • Kay Derochie

      Dear Herman,

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

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

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

      Sincerely,

      Kay

  • Sal

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

    • Kay Derochie

      Dear Sal,

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

      Sincerely,

      Kay

  • chrstopher

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

    • Kay Derochie

      Dear Christopher,

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

      Sincerely,

      Kay

  • vicki phelan

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

    • Kay Derochie

      Dear Vicki,

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

      Sincerely,

      Kay

  • Magdalena

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

    • Kay Derochie

      Dear Magdalena,

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

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

      Sincerely,

      Kay

  • Julienne

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

    • Kay Derochie

      Dear Julienne,

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

      Sincerely,

      Kay

  • Mary A

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

    • Kay Derochie

      Dear Mary,

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

      Sincerely,

      Kay

      • Mary A

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

        • Kay Derochie

          Dear Mary,

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

          Sincerely,

          Kay

          • Mary A

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

            • Kay Derochie

              Dear Mary,

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

              Sincerely,

              Kay

          • Mary A

            Thank you for everything Kay.

            • Kay Derochie

              You are welcome, Mary.

  • dana

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

    • Kay Derochie

      Dear Dana,

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

      Sincerely,

      Kay

  • C

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

    • Kay Derochie

      Dear C.,

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

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

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

      Sincerely,

      Kay

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

    • Kay Derochie

      Dear Robert,

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

      Sincerely,

      Kay

      Kay

  • Ardra

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

    • Kay Derochie

      Dear Arda,

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

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

      Sincerely,

      Kay

      • Ardra

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

        • Kay Derochie

          Dear Arda,

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

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

          Sincerely,

          Kay

  • Jeff

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

    • Kay Derochie

      Dear Jeff,

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

      Sincerely,

      Kay

  • Sherry Morrisette

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

    • Kay Derochie

      Dear Sherry,

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

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

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

      Sincerely,

      Kay

      • Sherry Morrisette

        Thank you very much for your response.
        Sherry

        • Kay Derochie

          You are welcome, Sherry.

  • Justin L.

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

    • Kay Derochie

      Dear Justin,

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

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

      As far as assessing whether you might be approved given your medical condition, I would suggest talking with your physician, telling him or her about your problems on the job, to get a medical opinion. It would also be helpful to discuss your medical condition and work history with a Social Security attorney.

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

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

      Best regards,

      Kay

  • Bill Wright

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

    • Kay Derochie

      Dear Bill,

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

      Sincerely,

      Kay

  • barry

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

    • Kay Derochie

      Dear Barry,

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

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

      Sincerely,

      Kay

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

        • Kay Derochie

          Dear April,

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

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

          Sincerely,
          Kay

  • Renee

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

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

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

    Thank you

    • Kay Derochie

      Dear Renee,

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

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

      Sincerely,

      Kay

  • Virginia

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

    • Kay Derochie

      Dear Virginia,

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

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

      Best regards,

      Kay

  • Robin S. Hoppes

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

    • Kay Derochie

      Dear Robin,

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

      Best regards,

      Kay

  • Sherry Morrisette

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

    • Kay Derochie

      Dear Sherry,

      Thank you for sharing.

      Kay

  • Sherry Morrisette

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

    • Kay Derochie

      Dear Sherry,

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

      Best regards,

      Kay

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

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

      • Kay Derochie

        Dear Dolores,

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

        Best regards,

        Kay

    • Kay Derochie

      Dear Delores,

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

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

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

      Sincerely,

      Kay

      • Thank you for your help this clears up alot of my confusion.

        • Kay Derochie

          You are welcome, Dolores.

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

    • Kay Derochie

      Dear Charles,

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

      Sincerely,

      Kay

  • Krisha

    Hi Kay,

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

    • Kay Derochie

      Dear Krisha,

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

      Sincerely,

      Kay

  • Haydee

    Hi Kay,

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

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

    Sincerely,

    Haydee

    • Kay Derochie

      Dear Haydee,

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

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

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

      Sincerely,

      Kay

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

      • Kay Derochie

        Dear Jamie,

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

        Sincerely,
        Kay

  • Brittany

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

    • Kay Derochie

      Dear Brittany,

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

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

      Sincerely,

      Kay

      • brittany

        Hey Kay I receive ssi for my daughter but I just started working my gross amount for the month is1400 before taxes is taken out can I still receive the full amount of ssi or I make too much money.

        • Kay Derochie

          Dear Brittany,

          Your child will continue to be eligible for Supplemental Security Income (SSI) benefits. Whether there is a reduction for your work earnings and how much depends on whether you have other children to support and/or you are married living with your husband or the disabled child’s father is in the household and whether that person has income. You can estimate the amount of reduction by using the example 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. If there is a reduction in benefits, it will begin two months after the month in which you receive your first paycheck. Avoid an overpayment by reporting your earnings right away to allow time for processing.

          Sincerely,
          Kay

  • austenZ

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

    • Kay Derochie

      Dear Austen,

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

      Sincerely,

      Kay

      • matt

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

        • Kay Derochie

          Dear Matt,

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

          Sincerely,

          Kay

          • carolyn garrett

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

            • Kay Derochie

              Dear Carolyn,

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

              Sincerely,

              Kay

          • Edlene

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

            • Kay Derochie

              Dear Edlene,

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

              Sincerely,
              Kay

  • Martina Hernandez

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

    • Kay Derochie

      Dear Martina,

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

      Best regards,

      Kay

      • gordon

        when getting ssd and you go to jail for more then a few months should your benefits be cut off or will you still receive them and if they were supposed to be cut off and werent will they be cut off now and will you have to rerpay what you received while in jail?

        • Kay Derochie

          Dear Gordon,

          You are not eligible for disability benefits while you are in jail if you are convicted of crime. If you received the benefits, you are overpaid. Benefit eligibility starts again for Social Security Disability (SSD) the month after you are released. If you were released in March, benefits would begin to accrue in April and the April benefit, as usual, would be paid in May. If you have the money for the months you were incarcerated, you can use it to pay the overpayment. Alternatively, you can request partial withholding of future benefits to repay the overpayment.

          Sincerely,
          Kay

    • Richard Labombarbe

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

      • Kay Derochie

        Dear Richard,

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

        Sincerely,
        Kay

        • arwin Santos

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

          • arwin Santos

            And can we re apply for ssi?

            • Kay Derochie

              Dear Arwin,

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

              Sincerely,
              Kay

          • Kay Derochie

            Dear Arwin,

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

            Sincerely,
            Kay