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?
33 comments


Jacob Lee
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
•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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Emily Thompson
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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Sophie Hernandez
•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
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
•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
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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Sophie Hernandez
•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
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
•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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Sophie Hernandez
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
•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
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
•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
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
•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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Anastasia Kozlov
I'm sorry for your loss and understand this is a stressful time figuring out how benefits work together. Based on what others have shared, it sounds like you'll likely lose most or all of your Cash Aid since the Social Security amount ($3,200) is above your IRT ($2,786). But here's what I'd focus on: 1. Report it within 10 days of receiving the first payment to avoid overpayment issues 2. Ask about "zero grant" status if your Cash Aid goes to $0 - you'll keep other CalWORKs benefits 3. Your kids will still have Medi-Cal even if Cash Aid stops 4. Social Security is more stable long-term (no time limits, no work requirements) The transition might be bumpy for a few months while everything gets sorted out, but you'll likely be in a better position overall. Make sure to keep all your Social Security paperwork and bring copies when you report the change. Hang in there!
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Kiara Fisherman
•This is such helpful advice, thank you! I'm definitely going to ask about the zero grant status - I had no idea that was even an option. It sounds like I'll still be able to access some support services which would be really helpful. I'm also relieved to hear the kids will keep their Medi-Cal no matter what happens with the Cash Aid. I think I was getting overwhelmed thinking about all the changes at once, but you're right that Social Security will be more stable in the long run. I'll make sure to have all my paperwork ready when I go in to report it.
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Adaline Wong
I'm so sorry for your loss. Losing a partner while raising kids is incredibly difficult, and navigating the benefits system during grief makes it even harder. From what I've learned through my own experience with Social Security survivor benefits, yes - they do count toward your CalWORKs IRT and you'll need to report within 10 days of receiving the first payment. With $3,200 in SS benefits vs your $2,786 IRT, you'll likely lose your Cash Aid completely. But honestly? This might end up being better for your family long-term. The Social Security is guaranteed income without time limits or work requirements. Once the dust settles, you'll have more predictable income and won't have to worry about the CalWORKs 48-month clock or meeting WTW hours. Your kids will keep their Medi-Cal, and if you ask for "zero grant" status, you can still access CalWORKs supportive services. The hardest part is the transition period while everything gets recalculated. Make sure you have enough saved from your current benefits to cover any gaps. And definitely use that Claimyr service someone mentioned if you can't reach your worker - getting accurate information from your county is crucial right now. You're doing everything you can for your kids during an impossible time. This change, while scary, is going to give your family more stability in the long run.
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Kara Yoshida
•Thank you so much for your kind words and perspective. It really helps to hear from someone who has been through this transition. You're absolutely right that I'm looking at this as a loss when it's actually probably a gain in the long run. The security of knowing the Social Security won't have time limits or work requirements does sound like a huge relief. I've been so stressed about meeting my WTW hours while grieving and taking care of four kids. I think I just need to shift my mindset from "losing benefits" to "transitioning to better, more stable support." I'll definitely make sure to save what I can from this month's Cash Aid to help with any gaps during the transition. Thank you for reminding me that I'm doing my best during an incredibly difficult time - sometimes I need to hear that.
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Miranda Singer
I'm so sorry for your loss, Ava. Going through this while grieving and caring for four children must be incredibly overwhelming. You've gotten some really solid advice here about the reporting requirements and how Social Security survivor benefits will affect your CalWORKs. Just to add a few practical tips for the transition: 1. When you report the SS benefits, ask your worker to calculate both scenarios - keeping the kids in your CalWORKs case vs. removing them and keeping you as a non-needy caretaker relative. Sometimes one option gives you more total household income. 2. Make sure you understand exactly when your Cash Aid will stop vs. when your SS payments start. There's sometimes a timing gap that can create budget challenges. 3. Keep detailed records of all your communications with both Social Security and CalWORKs during this transition - it helps if there are any calculation errors later. 4. Consider asking about emergency CalFresh if your food benefits get reduced significantly during the transition period. You're navigating an incredibly complex system during one of the hardest times in your life. Be patient with yourself as you figure this out, and don't hesitate to ask your worker to explain the calculations if anything seems unclear. Your kids are lucky to have someone fighting so hard to make sure they're taken care of.
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Gael Robinson
•This is such thoughtful and practical advice, thank you Miranda. I hadn't thought about asking them to calculate both scenarios - that's really smart since every dollar counts right now. I'm definitely going to ask about that when I go in. The timing gap between when Cash Aid stops and SS starts is exactly what I'm worried about, so I'll make sure to get specific dates from both offices. I've been keeping a folder with all my paperwork but I'll start writing down phone conversations too. The emergency CalFresh tip is really helpful too - I didn't know that was an option. Thank you for being so understanding about how hard this is. Some days I feel like I'm drowning in all the paperwork and requirements, but comments like yours remind me that there are people who get it and want to help families like mine succeed.
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Anastasia Kozlov
I'm so sorry for your loss, Ava. Losing your partner while caring for four children is unimaginably difficult, and having to navigate the benefits system on top of everything else just adds to the stress. You've received excellent advice here about reporting the Social Security within 10 days and asking about zero grant status. I want to emphasize one thing that might help ease your worry: while the transition period will be challenging, Social Security survivor benefits are actually designed to provide MORE support than temporary assistance programs like CalWORKs. A few additional thoughts: - Call Social Security directly to ask about the exact start date of your payments so you can plan for any timing gaps - If your county has a CalWORKs family advocate or ombudsman, they can help you navigate the transition and ensure all calculations are done correctly - Some food banks have special programs for families going through benefit transitions - it might be worth calling 211 to ask about temporary food assistance during the changeover Your children are fortunate to have a mother who is being so proactive about understanding how these changes will affect your family. This survivor benefit represents security and stability that your late partner worked to provide for his children. While change is always scary, especially during grief, you're moving toward a system with fewer restrictions and more long-term security. Take care of yourself during this transition. You're handling an enormous amount right now, and you're doing it well.
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Haley Bennett
•Thank you Anastasia, this is such compassionate and helpful advice. I really appreciate you reminding me that these survivor benefits are something my husband worked for - that perspective helps me feel less like I'm "losing" something and more like I'm receiving what he intended for our children. I hadn't thought about calling Social Security directly for the exact start date, but that's a great idea to help me plan better. I'm also going to look into the family advocate option at our county office - I didn't know that existed but it sounds like exactly what I need right now. The 211 tip for food assistance during the transition is really practical too. It's comments like yours that remind me I'm not alone in figuring this out, even when it feels overwhelming. Thank you for taking the time to be so thorough and kind.
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Jessica Suarez
I'm so sorry for your loss, Ava. What you're going through is incredibly difficult, and it's completely understandable to feel anxious about these benefit changes during such a challenging time. Based on what others have shared, it sounds like you have a good grasp of what to expect - the Social Security survivor benefits will likely reduce or eliminate your Cash Aid since they'll put you over your IRT. But I want to echo what others have said: this is actually your late husband's legacy providing more stable, long-term support for your children. One thing I haven't seen mentioned is that you might want to ask your eligibility worker about transitional benefits. Some counties offer short-term assistance to help families bridge the gap between when one benefit ends and another begins. It's worth asking about when you report the Social Security. Also, make sure you get everything in writing - the calculation showing how they determined your new benefit amounts, the effective dates, and confirmation of your zero grant status if applicable. This documentation will be helpful if there are any errors or delays. You're being such a good advocate for your family by asking these questions and planning ahead. Your children are fortunate to have someone who cares so much about their stability and well-being during this transition.
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Sofia Price
•Thank you Jessica, I really appreciate your kind words and practical advice. The transitional benefits idea is something I definitely want to ask about - even a short bridge could make a huge difference during the changeover. I'm also going to make sure to get everything in writing like you suggested. I've learned from past experiences with county offices that having documentation is so important. It helps to hear everyone frame this as my husband's legacy rather than just a loss of benefits. You're right that he worked hard to provide this security for our children, and I need to remember that even when the transition feels scary. Thank you for reminding me that being proactive and asking questions is good advocacy - sometimes I worry I'm being too demanding, but I'm just trying to do right by my kids.
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Edwards Hugo
I'm so sorry for your loss, Ava. Losing your partner while raising four children is heartbreaking, and trying to navigate all these benefit changes while grieving must feel overwhelming. You've received wonderful advice here about the Social Security survivor benefits and how they'll affect your CalWORKs. I wanted to add one practical tip that helped me during a similar transition: when you go to report the Social Security benefits, bring multiple copies of all your documentation (award letter, first payment stub, etc.). County workers sometimes need to make copies for different departments, and having extras can speed up the process. Also, consider setting up automatic deposit for the Social Security payments if you haven't already. It provides more reliable payment timing than paper checks, which can help you budget during the transition period. Your late husband worked hard to ensure his children would be supported, and these survivor benefits are that support coming through. While the change feels scary right now, you're actually moving toward a more stable foundation for your family - no time limits, no work requirements, and predictable monthly income. You're doing an incredible job advocating for your children during one of life's most difficult circumstances. They're lucky to have such a caring, thoughtful mother looking out for their future.
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Evelyn Kelly
•Thank you so much, Edwards. The tip about bringing multiple copies is really practical - I've had to wait for workers to make copies before and it does slow everything down. I hadn't thought about setting up automatic deposit for the Social Security either, but that makes total sense for budgeting purposes. I'm still getting used to thinking of this as my husband's way of continuing to provide for us rather than just another bureaucratic hurdle to navigate. Comments like yours help me remember that this is actually him taking care of his children even though he's gone, which brings me some comfort during all this uncertainty. Thank you for acknowledging how hard this is - some days I feel like I'm barely keeping my head above water, but knowing there are people who understand makes such a difference.
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CosmicCruiser
I'm so sorry for your loss, Ava. Losing your partner while caring for four children is incredibly difficult, and navigating benefit changes during grief makes everything so much harder. You've gotten excellent advice here about reporting the Social Security within 10 days and how it will likely reduce your Cash Aid since $3,200 is above your $2,786 IRT. I want to add something that might help with the transition: ask your eligibility worker about the exact timing of when your Cash Aid will end versus when your first Social Security payment arrives. Sometimes there's a gap, and knowing the dates can help you budget better. Also, when you report the change, make sure to ask specifically about keeping any other CalWORKs benefits you might be eligible for - like childcare assistance if you're working or in school. Even if your Cash Aid ends, you might qualify for other support services. These survivor benefits are your husband's way of continuing to provide for his children. While the transition feels scary, you're actually moving toward more stable, long-term support without time limits or work requirements. Your kids are fortunate to have such a thoughtful mother making sure they get all the support they're entitled to during this difficult time. Hang in there - you're doing everything right by planning ahead and asking these important questions.
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Sophia Carson
•Thank you so much for your compassionate words and practical advice, CosmicCruiser. You're absolutely right about asking for the exact timing - I'm definitely going to get specific dates so I can plan for any gaps between when Cash Aid stops and Social Security starts. The childcare assistance tip is really helpful too since I've been thinking about going back to school once things settle down. It's reassuring to know there might still be some support services available even if the Cash Aid ends. I'm trying to shift my perspective like you and others have suggested - thinking of this as my husband continuing to provide for our children rather than just losing benefits. Some days that's easier than others, but comments like yours help me stay focused on the positive aspects of this change. Thank you for reminding me that planning ahead is the right thing to do for my kids.
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Eve Freeman
I'm so sorry for your loss, Ava. Navigating benefit changes while grieving and caring for four children is incredibly challenging, and your concerns are completely valid. You've received excellent advice here about the reporting requirements and how Social Security survivor benefits will affect your CalWORKs. The key points everyone has shared are spot-on - yes, you'll need to report within 10 days of receiving the first payment, and the $3,200 in survivor benefits will likely eliminate your Cash Aid since it exceeds your IRT. I want to add one suggestion that might help during this transition: consider reaching out to your local Legal Aid office or a benefits advocacy organization. They often have staff who specialize in helping families navigate the intersection of Social Security and CalWORKs benefits. They can review your specific situation and make sure you're getting all the benefits and protections you're entitled to during this change. Also, document everything during this transition - keep copies of all notices, write down what workers tell you, and save all correspondence. If there are any calculation errors or delays, having good records will help resolve issues faster. Your husband worked hard to provide this security for his children, and these benefits represent his ongoing care for your family. While the transition feels overwhelming right now, you're moving toward more stable support that will give your children security for years to come. You're being an excellent advocate for your family by asking these questions and planning ahead.
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Gabriel Graham
•Thank you Eve, that's such helpful advice about contacting Legal Aid. I hadn't thought about getting advocacy help, but you're right that having someone who specializes in these benefit intersections could be really valuable. I'm definitely going to look into that - it would be such a relief to have an expert review my situation and make sure I'm not missing anything. The documentation tip is great too. I've been keeping paperwork but I should be more systematic about writing down phone conversations and what workers tell me. You're absolutely right that good records will help if there are any problems later. I really appreciate you taking the time to give such thoughtful advice during what I know is a difficult situation for any family to navigate.
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Asher Levin
I'm so sorry for your loss, Ava. Losing your partner while raising four children is unimaginably difficult, and having to figure out how different benefits work together during this time adds so much stress. You've gotten really comprehensive advice here about the Social Security survivor benefits and CalWORKs intersection. Everyone is right that you'll need to report within 10 days of your first payment, and with $3,200 in survivor benefits versus your $2,786 IRT, your Cash Aid will likely be eliminated completely. But I want to emphasize what others have touched on - this is actually your husband's final gift to your family. These survivor benefits will provide more stable, predictable income without the stress of work requirements, time limits, or constant reporting. That $3,200 is guaranteed monthly support that will grow with cost of living adjustments over time. One practical tip for the transition: when you report to your worker, ask them to walk you through exactly what will happen month by month. Will your Cash Aid stop immediately? Will there be a partial month calculation? Understanding the timeline will help you budget during the changeover period. Also, make sure you understand your CalFresh calculation too - that benefit uses different rules and might not be reduced as drastically as your Cash Aid. You're being such a strong advocate for your children by asking these questions and planning ahead. This transition is going to lead to more stability for your family in the long run, even though it feels scary right now.
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