Tag: SSI

Montana says program allows the disabled to live the dream
Social Security Disability

Montana says program allows the disabled to live the dream

HELENA — Montana announced a program Tuesday that officials said will help people with disabilities start savings accounts that give them more control on their money and disability expenses, while remaining eligible for medical benefits such as Medicaid and Supplemental Security Income.
The 2015 Legislature passed Senate Bill 399 to help eligible people with disabilities to establish Achieving a Better Life Experience accounts.
“This opens up a whole new world for people,” said Sheila Hogan, director of the Department of Public Health and Human Services. “It allows them to dream and provide a path for that dream.”
“Montanans for too long have to choose between essential services and the American dream.
The Achieving a Better Life Experience program serves to correct that,” Caferro said.
DPHHS administers Montana’s Achieving a Better Life Experience program.
Achieving a Better Life Experience accounts not only can help those early in life save for future years, but many of Montana’s disabled veterans who show proof of a disability before age 26 could benefit, officials said.
He said his Achieving a Better Life Experience account will help pay for his son’s medical costs not covered by insurance, medical equipment to help with his son’s mobility and other items to help “improve my son’s quality of life.” Ethan Martin, 12, is part of the Achieving a Better Life Experience program.
She heads the Developmental Disability Program for DPHHS and said 15 people are participating in the Achieving a Better Life Experience program so far.

Social Security Benefits to Increase in 2018
Social Security Disability

Social Security Benefits to Increase in 2018

When we announce the annual cost-of-living adjustment (COLA), there’s usually an increase in the Social Security and Supplemental Security Income (SSI) benefit amount people receive each month.
Federal benefit rates increase when the cost of living rises, as measured by the Department of Labor’s Consumer Price Index (CPI-W).
The CPI-W rises when prices increase, making your cost of living go up.
This means prices for goods and services, on average, are a little more expensive.
The COLA helps to offset these costs.
As a result, more than 66 million Americans will see a 2.0 percent increase in their Social Security and SSI benefits in 2018.
Other changes that will happen in January 2018 are based on the increase in the national average wage index.
For example, the maximum amount of earnings subject to Social Security payroll tax will increase to $128,700.
The earnings limit for workers younger than “full” retirement age will increase to $17,040 and the limit for people turning “full” retirement age in 2018 will increase to $45,360.
You can find more information about the 2018 COLA here.

Who’s receiving disability?
Social Security Disability

Who’s receiving disability?

Who’s receiving disability?.
A recent statistical report by the Social Security Administration showed that people with Intellectual Disability made up more than 14 percent of the working age population receiving disability insurance payments or Supplemental Security Income based on disability (https://www.ssa.gov/policy/docs/ssb/v77n1/v77n1p17.html).
Intellectual disability is defined by the Diagnostic and Statistical Manual of Mental Disorders, Fifth Edition (DSM-5) as a childhood-onset neurodevelopmental disorder characterized by deficits in intellectual and adaptive functioning (American Psychiatric Association 2013).
Significant limitations in adaptive functioning include limitations in communication, social skills, independence and performance at school or work.
Although many health conditions can cause significant intellectual and adaptive functioning limitations, the onset of intellectual disability during childhood or adolescence distinguishes it from otherwise similar neurocognitive disorders.
Less than 5 percent of the working age population has intellectual disability.
However, understandably, people with intellectual disabilities make up 14 percent of those of working age receiving SSI (Supplemental Security Income, which is based on disability for those who have little or no income) and SS (Social Security) Disability (https://www.ssa.gov/policy/docs/ssb/v77n1/v77n1p17.html).
However, the jobs of those employed averaged 20 hours a week at $4.54 an hour.
The report points out the following: the low earnings among employed beneficiaries with intellectual disability might be partly due to their high rates of working in sheltered or supported employment, which typically offer lower compensation.
The large majority of employers that use section 14c certificates are sheltered workshops (also referred to as center-based or facility-based employment) (General Accounting Office 2001).

Preparation Starts with Information
Social Security Disability

Preparation Starts with Information

Preparation Starts with Information.
They’ve been with you through the most important achievements of your life.
Now it’s your turn to show them that they can count on you.
When you volunteer to become a representative payee, you’re supporting your parents and their future.
As a representative payee, you would make sure your parents’ basic needs are met by using the money to provide them with food, clothing, and shelter.
You’re responsible for keeping records of expenses, and we request yearly reports to see how you’ve used or saved the benefits.
If your parents receive Social Security or SSI benefits and are unable to manage their finances, or you think that may be the case in the future, take the time to become familiar with the responsibilities of a representative payee and consider becoming one.
To learn more about becoming a representative payee, you can read our publication, A Guide for Representative Payees, at www.socialsecurity.gov/pubs and visit the webpage, “When People Need Help Managing Their Money,” at www.socialsecurity.gov/payee.
After all they’ve done for you over your lifetime, volunteering as a representative payee is just one way to show how much you care for and appreciate them.
Social Security will always be there for you and your parents through life’s journey.

Duplicate SSN Problems
Social Security Disability

Duplicate SSN Problems

There are cases where the Social Security Administration (SSA) has assigned more than one Social Security Number (SSN) to an individual.
I have memories of seeing cases where one individual had been issued three or four SSNs but I haven’t seen that sort of thing in decades.
However, because hundreds of millions of SSNs have been issued, there are about 4.9 million people with multiple SSNs.
Our review of 534 instances … indicated that, in most cases, it appeared the numberholders simultaneously receiving payments under multiple cross-referred SSNs were not the same individuals, and SSA had cross-referred the SSNs in error.
However, in about 20 percent of the cases, it appeared SSA had issued both payments to the same individual.
… We also identified over 13,000 instances where SSA continued paying beneficiaries after it recorded death information on their cross-referred SSNs.
… [M]ost of the individuals receiving the payments were not the same individuals whose death information appeared on the cross-referred SSNs, and SSA had cross-referred the SSNs in error.
Based on our sample results, we estimate SSA issued about $115.4 million in improper payments to 930 deceased beneficiaries after it input death information on their cross -referred SSNs.
7 million additional instances not involving SSA payments where SSA input death information on a numberholder’s Numident record for 1 SSN but did not input the death information on the numberholder’s cross-referred SSN(s).
Therefore, we estimate SSA had death information for more than 2 million deceased numberholders that it did not input into the Numident.

Ways To Provide For Your Disabled Adult Child’s Future
Social Security Disability

Ways To Provide For Your Disabled Adult Child’s Future

Parents of adult children with a chronic disability have an additional concern: whether the child will have financial security.
By creating a special needs trust for your child and funding it with a last-to-die life insurance policy.
A trust is basically a document that creates a legal relationship between three parties: the donor, or person(s) funding the trust; the beneficiary, or person receiving the benefits of the trust and the trustee, or person(s) administering the trust.
A special needs trust is one that is created specifically to provide additional funding for someone who has special needs such as disabilities.
Third party trusts: the assets from the trust go to a trustee, rather than the beneficiary.
You don’t have to go through probate.” Funding the Trust With a Last-to-Die Insurance Policy A trust, of course, is only as good as its assets.
The policy pays out only after the second partner dies and that money can, if there is a special needs trust, go directly into the trust without going through probate court.
“They have that money to use however they want,” says Haddad.
If money is no object, Haddad advises looking at the child’s lifestyle — where he will live, what kind of caregiving needs he might have, where he will work — and running a financial accounting out for his potential lifetime.
Remember: any leftover trust funds, assuming it’s a third party trust, could potentially go to the other siblings if they are named as contingency beneficiaries.

The Difference between Social Security Disability Insurance and Supplemental Security Income
Social Security Disability

The Difference between Social Security Disability Insurance and Supplemental Security Income

For those searching for help with disability claims, it’s important to understand social security disability benefits. There are two different programs that offer benefits, Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI), and that article covers only one. This article will give you the proper information about both benefits, […]