Can I get CalWORKs while caring for my son with disability? SSI application pending
I'm at my wits end trying to figure out our financial situation. My 3-year-old son was born with a spinal cord injury that requires round-the-clock care. I had to quit my job as a medical assistant to take care of him full-time. I tried starting a small online business selling handmade items, but I'm only making about $230-280 a month which isn't nearly enough. I applied for SSI for my son about 6 weeks ago but haven't heard anything back yet. His condition is permanent and requires ongoing medical appointments and therapy. Meanwhile, bills are piling up and I'm behind on rent. Can I apply for CalWORKs while waiting for his SSI decision? Will I be exempt from the Welfare to Work requirements since I need to be his caretaker? I'm a single parent and have no family support nearby to help with his care. Any advice would be so appreciated.
25 comments


Lucas Bey
Yes, you absolutely should apply for CalWORKs right away! You don't need to wait for the SSI decision. The two programs are separate and you can potentially receive both (though his SSI amount might be reduced once approved). As for the Welfare to Work exemption - yes, you should qualify for a caretaker exemption if your child has a medical condition requiring your full-time care. You'll need to get a CW 61 form filled out by his doctor documenting his condition and why you need to be his caretaker. Make sure the doctor is very clear about why you need to be home caring for him full-time. I'd also recommend applying for CalFresh (food stamps) and Medi-Cal if you haven't already. You can do all these applications online through BenefitsCal.com or in person at your county office.
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Charlotte Jones
•Thank you so much for this information! I had no idea about the CW 61 form. Do you know if there's any limit to how long I can have this exemption? His condition is permanent, so I'm wondering if I'll need to keep getting new forms filled out.
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Harper Thompson
I was in a similar situation last yr with my daughter who has cerebral palsy. The wait for SSI is HORRIBLE - took us almost 9 months to get approved!!! BUT calworks was a lifesaver while waiting. One thing - when you go for ur calworks interview make sure to ask about the special needs supplement too. Its extra $ if ur child has special requiremnts. And def ask for the WTW exemption right away, dont wait for them to bring it up. Also apply for IHSS!!! In-Home Supportive Services can pay YOU as a caregiver for ur son. Its separate from calworks but you can get both. That helped me the most honestly.
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Caleb Stark
•IHSS was going to be my suggestion too! My nephew gets it for his autism and my sister-in-law is his paid caregiver. Takes a while to get approved but it's backdated to when you applied. Really helps with the financial strain.
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Jade O'Malley
The caretaker exemption for CalWORKs is definitely what you need. I'm a former eligibility worker, and this is exactly what this exemption is designed for. A few important points: 1. The exemption can be ongoing as long as the medical condition persists and requires your care 2. You'll still need to complete your Semi-Annual Reports (SAR 7) every six months 3. When your child's SSI is approved, you must report it within 10 days as it will affect your CalWORKs grant 4. The 48-month time limit on CalWORKs doesn't apply while you have this exemption Bring as much medical documentation as possible to your CalWORKs interview. The more evidence you have of your son's condition and care needs, the smoother the process will be. Good luck with everything!
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Charlotte Jones
•This is really helpful, thank you! I didn't know about the time limit exemption. Do I need to reapply for the caretaker exemption at certain intervals, or just make sure I mention it on my SAR 7 reports?
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Hunter Edmunds
applyin for calworks is a nightmare right now!! i been trying to reach someone for THREE WEEKS about my application and keep getting disconnected or waiting 2+ hours on hold just to get hung up on!!! the system is so broken
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Ella Lewis
•I had the same problem last month trying to update my address after moving. Found this service called Claimyr that got me through to a worker in about 10 minutes when I'd been trying for days. They have a video showing how it works: https://youtu.be/jzISHxCPLwE Basically they wait on hold for you and call when a person picks up. You can apply online through BenefitsCal but for getting specific questions answered about exemptions and stuff, you'll probably need to talk to someone. Their website is claimyr.com - saved me hours of frustration!
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Andrew Pinnock
Hey there, dont get discouraged about the SSI process. My daughter got denied the first time even though she has severe autism and needs 24/7 supervision. We appealed and eventually got approved with backpay. The system is designed to reject people the first time IMO. For CalWORKs, make sure you tell them you have $0 income if the business isn't making any profit after expenses. They count net income not gross for self-employment. If you're spending more on supplies than you're making, that's $0 income as far as they're concerned. And definitely apply for IHSS like others mentioned!!!
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Charlotte Jones
•That's helpful to know about the SSI denials being common. I've heard that from others too. For my business, I'm actually making a small profit after expenses, but it's nowhere near enough to live on. I'll definitely look into IHSS too!
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Caleb Stark
idk why noone mentioned diaper assistance!!! If your 3yo isn't potty trained due to his condition (many kids with disabilities take longer), CalWORKs has a special $30/month diaper benefit for kids with disabilities who are over 2 and need diapers. Ask about it in your interview!
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Harper Thompson
•Omg yes!! I forgot about this one. My worker never told me about it either, I had to specifically ask. The system doesn't volunteer these benefits, you gotta know to ask!!
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Brianna Schmidt
I think youre confused, CalWORKs is for people who work or are looking for work. If your caring for a disabled kid you want SSI not CalWORKs. My cousin tried to get cash aid and they made her do job search even with a sick kid.
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Jade O'Malley
•This isn't correct information. CalWORKs absolutely has exemptions for parents caring for children with disabilities. Your cousin may not have requested the exemption properly or provided sufficient medical documentation. The CW 61 form needs to be completed by a medical provider clearly stating why the parent needs to be the full-time caregiver. The OP should apply for both SSI for the child AND CalWORKs for the family, as these serve different purposes and she may qualify for both.
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Lucas Bey
One more important thing - when your son does get approved for SSI, his CalWORKs will be reduced but you can still receive some for yourself as his caretaker. The SSI is just for him, while CalWORKs can cover both of you. Also, ask about the housing assistance programs through CalWORKs since you mentioned being behind on rent. There's both a homeless assistance program if you're at risk of eviction and a housing support program that can help with ongoing rent. Hang in there - navigating these systems is exhausting but there is help available!
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Charlotte Jones
•Thank you so much everyone for all this information! I've made an appointment at the county office for next week. I'm bringing all his medical records and will ask about the CW 61 form, IHSS, the diaper benefit, and housing assistance. I feel much more prepared now about what to ask for specifically instead of just generally asking for help. I'll update once I know more!
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James Johnson
Good luck with your appointment! One thing I'd add - if possible, bring someone with you to the appointment to help advocate for you and take notes. The county workers are often rushed and it's easy to miss important information when you're stressed about your situation. Also, if they deny your caretaker exemption initially (which sometimes happens even with proper documentation), don't give up! You have the right to request a State Hearing to appeal their decision. I had to do this for my brother who cares for his autistic son, and we won the appeal. Make sure to ask for copies of everything they give you, and get the worker's name and contact info. Having a specific person to follow up with makes a huge difference. You're doing an amazing job caring for your son under such difficult circumstances!
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Sean Fitzgerald
•This is such great advice about bringing someone with you! I wish I had known this when I first applied for benefits for my daughter. The appointments can be really overwhelming, especially when you're already stressed about your situation. Also wanted to mention - if you don't have anyone who can come with you, some counties have patient advocates or disability rights organizations that can help. You might want to call ahead and ask if they have any resources like that available. The more support you have navigating this system, the better!
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Jacob Lewis
I'm so sorry you're going through this difficult situation. As someone who works with families navigating these systems, I want to emphasize a few key points that others have mentioned: 1. **Apply immediately** - Don't wait for SSI! You can receive both programs simultaneously, and CalWORKs can provide crucial support while you're waiting for SSI approval. 2. **Document everything** - Keep detailed records of all your son's medical appointments, treatments, and care needs. This will be essential for both the CW 61 form and future SSI appeals if needed. 3. **Ask about ALL available benefits** - In addition to CalWORKs, make sure to ask about: - CalFresh (food assistance) - Medi-Cal (healthcare coverage) - IHSS (In-Home Supportive Services) - Special needs supplement - Diaper assistance (if applicable) - Housing assistance programs 4. **Know your rights** - The caretaker exemption is your legal right if your child requires full-time care. Don't let anyone discourage you from requesting it. Your $230-280 monthly income from your business actually shows your determination to support your family despite the challenges. Make sure to report this accurately but also explain your situation fully. You're doing an incredible job under extremely difficult circumstances. These programs exist exactly for situations like yours - don't hesitate to use them!
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Grace Durand
•This is such a comprehensive and helpful summary! I'm bookmarking this comment for future reference. Jacob, do you work directly with these programs? I'm wondering if there are any other lesser-known benefits or resources that might be available for families with disabled children that don't get mentioned much in these discussions? Also, for anyone else reading this thread - Charlotte's situation really shows how important it is to apply for everything you might qualify for. The system is complicated but there really are programs designed to help families in exactly these circumstances. Don't let the bureaucracy discourage you from getting the support you need and deserve.
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Jamal Carter
Charlotte, I wanted to add something that hasn't been mentioned yet - since your son has a spinal cord injury requiring round-the-clock care, you should also look into getting him evaluated for Regional Center services if you haven't already. Regional Center can provide additional support services, equipment, and resources that complement what you get through CalWORKs and SSI. Also, regarding your small business - while you're navigating all these benefit applications, make sure to keep detailed records of your business expenses vs. income. Sometimes having even a small income source can actually help your case by showing you're trying to be self-sufficient despite the challenges. One more thing - when you go to your appointment next week, ask specifically about "child-only" CalWORKs if for some reason they try to deny you the caretaker exemption. Even if they initially say no to your exemption request, your son can still qualify for benefits on his own while you continue to advocate for the full family grant with exemption. You're being such a strong advocate for your son. The fact that you're researching all these options while managing his complex care needs shows incredible dedication. These programs exist for families exactly like yours!
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Chloe Martin
•This is excellent advice about Regional Center! I wasn't familiar with that program but it sounds like another crucial resource. The "child-only" CalWORKs option is also something I hadn't heard mentioned before - that could be a good backup plan if there are any issues with the caretaker exemption initially. I'm really impressed by how supportive this community has been. Charlotte, you've gotten such comprehensive advice here about navigating multiple programs simultaneously. It shows that even though these systems are complex and sometimes frustrating, there really are people who understand them and want to help families like yours access the support you need. Best of luck with your appointment next week! It sounds like you're going in well-prepared with a clear list of what to ask for. Please do update us on how it goes - I'm sure your experience could help other parents in similar situations who might be reading this thread.
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Aaliyah Reed
I'm so sorry you're dealing with such a challenging situation, but you're doing everything right by seeking help and asking these questions! As a parent who went through something similar when my daughter was diagnosed with a developmental disability, I want to echo what others have said about applying for CalWORKs immediately. One thing I don't think anyone has mentioned yet - when you're at your appointment next week, also ask about the Transportation Allowance if your son has frequent medical appointments. CalWORKs can provide additional money for gas/mileage to get to his therapy sessions and doctor visits, which can really add up with a child who has complex medical needs. Also, regarding the SSI wait - I know 6 weeks feels like forever when you're struggling financially, but that's actually still early in the process. Most initial applications take 3-6 months, so don't lose hope! And definitely keep detailed records of all his medical care during this waiting period, as it can help strengthen your case. You mentioned you're behind on rent - make sure to ask about emergency assistance programs too. Some counties have one-time rental assistance that can help prevent eviction while you're getting these longer-term benefits set up. Hang in there - it gets easier once you get plugged into these support systems!
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Mia Roberts
•Thank you for mentioning the Transportation Allowance! That's something I definitely wouldn't have thought to ask about, but with all his therapy appointments and specialist visits, those costs really do add up quickly. I've been spending so much on gas lately just getting him to all his appointments. The emergency rental assistance sounds like exactly what I need right now too. I'm about two months behind and really worried about getting an eviction notice. It's such a relief to know there might be help available while I'm waiting for the longer-term benefits to get sorted out. I appreciate you sharing your experience with your daughter's diagnosis too. It helps to hear from other parents who have been through this process. Sometimes I feel so overwhelmed trying to navigate all these different systems while also caring for him 24/7, but hearing success stories gives me hope that it will get better once everything is in place.
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Jamal Anderson
•The Transportation Allowance is such an underutilized benefit! I work at a local disability advocacy organization and I'm always surprised by how many families don't know about it. For children with complex medical needs like spinal cord injuries, those medical transport costs can easily be $200-300+ per month. Also wanted to mention - if you're having trouble getting to appointments due to transportation issues, some counties also have medical transportation services specifically for CalWORKs recipients. It's worth asking about both options to see which works better for your situation. For the emergency rental assistance, act quickly once you apply for CalWORKs. Some counties require you to be an active recipient before you can access the emergency funds, while others can help while your application is pending. The sooner you get that process started, the better chance you have of avoiding eviction. You're doing an amazing job advocating for your son, Charlotte. The fact that you're researching all these resources while managing his round-the-clock care shows incredible strength. These systems can feel overwhelming, but once you get connected, there's a whole network of support available for families like yours.
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