Re: Can someone explain SSI to me? earning limits

[Guest guest]

Yes, this concerns me very much. We know a family who had, over the 26 years of

child's life, given him several CD's. Not at all a ton of money, less than

$5000. But according to them to even be considered for SSI, that had to be

spent. So they spent it down, his nest egg, then were turned down for SSI

Disability! So now it is gone, and they have no SSI either. My son also has less

than $3,000 in 401-K he earned working at a place for someone with disabilities,

that is his " nest egg. " Don't know if we will ever be able to replace that if he

has to lose it. Current part time job offers NO BENEFITS including health

insurance.

One of the main reasons we are exploring the SSI is for the health coverage.

Right now he has none...and is SLOWLY paying off an Emergency Room bill from

last August. It is not true that people with no income can go to the ER and not

have to pay. While the hospital waived their fee since he had almost no income,

the hospital employs private doctors, nurses, techs, labs, etc that wouldn't

waive their fee or discount by any significant amount. They just turn him over

to a collection agency.

Sorry, rant time!

Sue in Tn

> >

> > Thanks Laurie, I will start with that and see what happens. One teacher

> > suggested son apply before he was 18, but I didn't see the need, was sure

he

> > was somehow going to go on to school, job, etc. He has always been very

> > border line for abilities, some things he does well, and others. And, of

> > course as parents, we like to emphasize all the stuff he " can " do rather

> > than " cannot. "

> >

> >

> >

> > _____

> >

> > From:

> > [mailto: ] On Behalf Of lakombert@

> > Sent: Wednesday, April 21, 2010 2:14 PM

> >

> > Subject: Re: ( ) Can someone explain SSI to me?

> >

> >

> >

> >

> >

> > Okay Sue, your child is an adult. Here's the right link. I thought your

> > child was a juvenile.

> >

> >

> >

> > http://www.ssa.

> > <http://www.ssa.gov/disability/disability_starter_kits_adult_eng.htm>

> > gov/disability/disability_starter_kits_adult_eng.htm

> >

> >

> >

> > Good luck!!

> >

> >

> >

> > Laurie

> >

>

[Guest guest]

Family should set up what is called a special needs trust so that

SSI benefits are not affected. This should be the standard

way to give a person with any disability money. A CD can still

be bought but everything is held in trust. Find a lawyer

that deals with disability law. It is fairly simple to do with a

lawyers help.

Pam

> > >

> > > Thanks Laurie, I will start with that and see what happens. One teacher

> > > suggested son apply before he was 18, but I didn't see the need, was

sure he

> > > was somehow going to go on to school, job, etc. He has always been very

> > > border line for abilities, some things he does well, and others. And, of

> > > course as parents, we like to emphasize all the stuff he " can " do rather

> > > than " cannot. "

> > >

> > >

> > >

> > > _____

> > >

> > > From:

> > > [mailto: ] On Behalf Of lakombert@

> > > Sent: Wednesday, April 21, 2010 2:14 PM

> > >

> > > Subject: Re: ( ) Can someone explain SSI to me?

> > >

> > >

> > >

> > >

> > >

> > > Okay Sue, your child is an adult. Here's the right link. I thought your

> > > child was a juvenile.

> > >

> > >

> > >

> > > http://www.ssa.

> > > <http://www.ssa.gov/disability/disability_starter_kits_adult_eng.htm>

> > > gov/disability/disability_starter_kits_adult_eng.htm

> > >

> > >

> > >

> > > Good luck!!

> > >

> > >

> > >

> > > Laurie

> > >

> >

>

[Guest guest]

Pam, that is one of their and our considerations, but I am trying to understand

the difference between the SSI and SSDI? For income that he can get now as he

struggles to make it on his onw.

I saw on SS site that parents who are receiving social security could then get

that for disabled adult child. So called the SSI office. She pulled up son's

record and say that he was eligible on his own work credits. But not sure what

that means. We have an interview this Thursday with SS.

And, BTW, I called an attorney firm who advertises HEAVILY on getting you your

SSI, the RECPETIONIST asked me a very few questions, and I was reluctant to tell

her anything. I had questions, like above, that I wanted to ask, which I assumed

I would be able to once she made appointment. She said they would get back with

me and I asked them NOT to call until the 21st as I would be out of town. They

paid no attention, called four days before that to say, " they were not

interested in taking the case. " So my situation was decided by their

receptionist/phone answerer. At the moment, I have little use for attorneys!

Apologies to ones on this list that are not like this.

Sue in TN

> > > >

> > > > Thanks Laurie, I will start with that and see what happens. One

teacher

> > > > suggested son apply before he was 18, but I didn't see the need, was

sure he

> > > > was somehow going to go on to school, job, etc. He has always been

very

> > > > border line for abilities, some things he does well, and others. And,

of

> > > > course as parents, we like to emphasize all the stuff he " can " do

rather

> > > > than " cannot. "

> > > >

> > > >

> > > >

> > > > _____

> > > >

> > > > From:

> > > > [mailto: ] On Behalf Of lakombert@

> > > > Sent: Wednesday, April 21, 2010 2:14 PM

> > > >

> > > > Subject: Re: ( ) Can someone explain SSI to me?

> > > >

> > > >

> > > >

> > > >

> > > >

> > > > Okay Sue, your child is an adult. Here's the right link. I thought

your

> > > > child was a juvenile.

> > > >

> > > >

> > > >

> > > > http://www.ssa.

> > > > <http://www.ssa.gov/disability/disability_starter_kits_adult_eng.htm>

> > > > gov/disability/disability_starter_kits_adult_eng.htm

> > > >

> > > >

> > > >

> > > > Good luck!!

> > > >

> > > >

> > > >

> > > > Laurie

> > > >

> > >

> >

>

[Guest guest]

Some lawyers are working only on comissions based on

the judgement. This is not the kind of lawyer you want.

Here is a website of a special needs lawyer I have met with.

This is the type of firm to look for in your state. They

charge by the hour not based on how much they think they can win

in a judgement.

http://www.hinkle1.com/html/faq.html

The costs to you of having someone help you is

well worth the long term benefit to your child of having

medicare and SSI. It may cost $2000 - $5000 but should

not be more than that. You are paying for advice and

then to represent you at the hearing if you get to a hearing

stage.

Pam

--- , " carolynsuelowerychattanooga " <sue@...>

wrote:

>

> Pam, that is one of their and our considerations, but I am trying to

understand the difference between the SSI and SSDI? For income that he can get

now as he struggles to make it on his onw.

>

> I saw on SS site that parents who are receiving social security could then get

that for disabled adult child. So called the SSI office. She pulled up son's

record and say that he was eligible on his own work credits. But not sure what

that means. We have an interview this Thursday with SS.

>

> And, BTW, I called an attorney firm who advertises HEAVILY on getting you your

SSI, the RECPETIONIST asked me a very few questions, and I was reluctant to tell

her anything. I had questions, like above, that I wanted to ask, which I assumed

I would be able to once she made appointment. She said they would get back with

me and I asked them NOT to call until the 21st as I would be out of town. They

paid no attention, called four days before that to say, " they were not

interested in taking the case. " So my situation was decided by their

receptionist/phone answerer. At the moment, I have little use for attorneys!

Apologies to ones on this list that are not like this.

>

> Sue in TN

>

>

> > > > >

> > > > > Thanks Laurie, I will start with that and see what happens. One

teacher

> > > > > suggested son apply before he was 18, but I didn't see the need, was

sure he

> > > > > was somehow going to go on to school, job, etc. He has always been

very

> > > > > border line for abilities, some things he does well, and others.

And, of

> > > > > course as parents, we like to emphasize all the stuff he " can " do

rather

> > > > > than " cannot. "

> > > > >

> > > > >

> > > > >

> > > > > _____

> > > > >

> > > > > From:

> > > > > [mailto: ] On Behalf Of lakombert@

> > > > > Sent: Wednesday, April 21, 2010 2:14 PM

> > > > >

> > > > > Subject: Re: ( ) Can someone explain SSI to me?

> > > > >

> > > > >

> > > > >

> > > > >

> > > > >

> > > > > Okay Sue, your child is an adult. Here's the right link. I thought

your

> > > > > child was a juvenile.

> > > > >

> > > > >

> > > > >

> > > > > http://www.ssa.

> > > > >

<http://www.ssa.gov/disability/disability_starter_kits_adult_eng.htm>

> > > > > gov/disability/disability_starter_kits_adult_eng.htm

> > > > >

> > > > >

> > > > >

> > > > > Good luck!!

> > > > >

> > > > >

> > > > >

> > > > > Laurie

> > > > >

> > > >

> > >

> >

>

[Guest guest]

I agree with the recommendation for the Special Needs Trust. It is a trust for

people under the age of 65 who have a disabling condition that will not " go

away " with time. My mother received some money from her brother when he passed

away, and we opened the Special Needs Trust. There is no limit to the amount of

$ she can have in there, but she can have no more than $2000 in her personal

checking account. It's been a life-saver!

Gladys

> > > >

> > > > Thanks Laurie, I will start with that and see what happens. One

teacher

> > > > suggested son apply before he was 18, but I didn't see the need, was

sure he

> > > > was somehow going to go on to school, job, etc. He has always been

very

> > > > border line for abilities, some things he does well, and others. And,

of

> > > > course as parents, we like to emphasize all the stuff he " can " do

rather

> > > > than " cannot. "

> > > >

> > > >

> > > >

> > > > _____

> > > >

> > > > From:

> > > > [mailto: ] On Behalf Of lakombert@

> > > > Sent: Wednesday, April 21, 2010 2:14 PM

> > > >

> > > > Subject: Re: ( ) Can someone explain SSI to me?

> > > >

> > > >

> > > >

> > > >

> > > >

> > > > Okay Sue, your child is an adult. Here's the right link. I thought

your

> > > > child was a juvenile.

> > > >

> > > >

> > > >

> > > > http://www.ssa.

> > > > <http://www.ssa.gov/disability/disability_starter_kits_adult_eng.htm>

> > > > gov/disability/disability_starter_kits_adult_eng.htm

> > > >

> > > >

> > > >

> > > > Good luck!!

> > > >

> > > >

> > > >

> > > > Laurie

> > > >

> > >

> >

>