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Do Social Security children's benefits count toward CalWORKs IRT? Will it affect my Cash Aid?

I just got approved for children's Social Security benefits for my 4 kids (their dad passed away last year). I'm currently receiving CalWORKs Cash Aid and CalFresh for all of us. When the benefits start coming in, do I need to report this to my eligibility worker right away or can I wait for my next SAR7? Will the Social Security money count toward my Income Reporting Threshold? I'm worried they'll cut our Cash Aid completely once they find out, but I need both to keep our heads above water with rent being so high. Anyone know how this works with CalWORKs and Social Security survivor benefits?

Jacob Lee

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Yes, Social Security benefits (including children's survivor benefits) DO count toward your IRT for CalWORKs. You need to report them within 10 days if your total monthly income goes above your IRT limit, which should be listed on your last Notice of Action. Since it's for 4 kids, it's very likely to put you over the threshold. CalWORKs will most likely reduce your Cash Aid dollar-for-dollar based on the Social Security amount, possibly eliminating it completely if the SS benefits exceed your CalWORKs grant. Your CalFresh might be reduced too, but not as drastically because they use a different calculation.

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Ava Harris

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Oh no, really? I was hoping it wouldn't count since the money is for the kids, not me. My IRT is $2,786 and the Social Security will be about $3,200 total for all the kids. So I'll lose all my Cash Aid? That's $1,458 a month I'm getting now. I'll actually end up with less money than before, plus I'll probably lose Medi-Cal too 😞

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I went thru this last yr. U gotta report it ASAP dont wait for SAR7 or they cud say u got an overpayment and make u pay back!!! But u might keep some cash aid dependng on how much SS ur gettin. My kids get survivor benes 2 and they reduced my cash but didnt cut it compltely.

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Actually they can't make you pay back if you report it on your SAR7, as long as you haven't gone over your IRT. They only consider it an overpayment if you go over IRT and don't report within 10 days. But I agree, better safe than sorry!

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Daniela Rossi

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Even though the Social Security benefits will count toward your IRT and reduce your Cash Aid, there's actually a silver lining here. Social Security survivor benefits are typically higher than CalWORKs, so your total household income will likely increase. Plus, Social Security benefits don't have the 48-month time limit that CalWORKs does, and you won't have to deal with Welfare to Work requirements anymore if your Cash Aid ends completely. You should also know that your kids will still qualify for Medi-Cal even if your Cash Aid stops. They'll transition to a different Medi-Cal category. Make sure you tell your worker you want to keep Medi-Cal when you report the Social Security.

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Ava Harris

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That's good to know about Medi-Cal! I was really worried about losing health coverage. I didn't realize the Social Security doesn't have time limits - that's definitely a plus since I was at 32 months already on my CalWORKs time clock. But I'm still nervous about the transition period. Do they cut the Cash Aid immediately after I report or at the end of the month?

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Ryan Kim

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When I started getting disability for my son last year they cut my CalWORKs by the EXACT AMOUNT he got from SSI!!! It made no difference in my total income which was SO FRUSTRATING because I thought I'd finally get ahead. The system is designed to keep us poor I swear. They'll probably reduce your Cash Aid by exactly what you get from Social Security so you won't actually have more money, just different sources. And they take FOREVER to process the changes which means you'll probably deal with confusing notices and payment amounts for months. 😡

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SSI and Social Security survivors benefits are treated differently though. SSI is automatically dollar-for-dollar reduction with CalWORKs, but survivor benefits have some differences in the calculation. OP might still lose most of their Cash Aid, but the math isn't exactly the same as with SSI.

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Zoe Walker

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I've been trying to reach my worker for 2 weeks about a similar issue. My son's father died and he's getting survivor benefits now too, but I can't get through to anyone at the county to ask how it affects my benefits. Finally used this service called Claimyr that got me through to a live person at the CalWORKs office within 20 minutes instead of waiting on hold forever. Their website is claimyr.com and they have a video showing how it works: https://youtu.be/jzISHxCPLwE When I finally talked to my worker, she told me I needed to bring verification of the Social Security award letter, and then they'd recalculate everything. She said my 10-day reporting clock starts when I actually receive the first payment, not from the award letter date. So you have a little time to get everything in order.

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Ava Harris

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Thank you for that tip! I've been calling my county office too and keep getting disconnected. I'll check out that service because I really need to talk to someone directly about my situation. And good to know the 10 days starts from the first payment, not the award letter. That helps a lot.

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One important thing nobody's mentioned: if the Social Security benefit is more than your CalWORKs grant, you'll become what's called a "zero grant" case. This means you get $0 in Cash Aid but technically remain a CalWORKs recipient. This is actually GOOD because you'll still qualify for CalWORKs childcare benefits and other supportive services if you're working or in school. Make sure you specifically tell your worker you want to remain a zero grant case if your Cash Aid reduces to zero - some counties automatically close your case unless you request this.

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Daniela Rossi

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This is excellent advice. Definitely ask for zero grant status! Also worth noting that as a zero grant CalWORKs participant, you'll still qualify for the diaper stipend for children under 3, and you can still access mental health services, transportation assistance, and the LifeLine phone program through CalWORKs. But you won't have to do Welfare to Work activities since you're technically exempt due to the Social Security income.

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Emily Thompson

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why are u guys acting like getting social securty is a bad thing?? its WAY better than calworks!! my kids get it and its more money plus u dont have to do all the welfare to work stuff and no time limits!! be happy ur getting it srsly

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Ava Harris

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You're right, I should be more positive about it. It's just scary when benefits change since we're barely making ends meet as it is. I'm worried about that gap between when my Cash Aid gets cut and when the Social Security actually starts. But it's true that not having to do WTW hours would be a huge relief - I've been struggling with the participation requirements since my car broke down.

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Elijah Brown

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my sister gets ss for her kids and calworks for herself it can work that way too but idk how they figured it i think it depends how they calcuate who is in the assistance unit or something

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Jacob Lee

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That's correct. In some cases, the parent can remain on CalWORKs while the children who receive Social Security are excluded from the assistance unit. This is called a "non-needy caretaker relative" case. However, this usually only makes financial sense if the Social Security amount is very small. The eligibility worker can run the calculations both ways to see which gives the family more total income.

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