Does receiving Social Security income reduce my CalWORKs Cash Aid amount?
I just got approved for Social Security disability payments starting next month ($1,275). I currently get CalWORKs for me and my two kids ($886). I'm confused about how this will affect my benefits. Will they just reduce my Cash Aid or will I lose everything completely? I reported the change on BenefitsCal but haven't heard anything back yet. Also wondering if this affects my CalFresh amount too? I'm really worried because my rent just went up and I can't afford to lose any assistance right now. Has anyone dealt with getting Social Security while on CalWORKs before?
32 comments


Taylor To
Social Security income definitely affects your CalWORKs amount. Since you're the disabled parent receiving SSDI/SSI (not sure which one you have), that income is counted when calculating your cash grant. Your CalWORKs will likely be reduced or possibly discontinued depending on your exact household situation. However, your children might still qualify for a child-only grant if your income puts just you over the limit but not them. Make sure to specifically ask about a child-only case when you speak with your worker. As for CalFresh, Social Security income is counted there too, so you'll probably see a reduction. But they calculate it differently than CalWORKs, so don't assume you'll lose it entirely.
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Oliver Cheng
•Thank you! So does that mean I need to call my worker and ask about the child-only grant specifically? Or will they automatically do that? I'm worried they'll just cut everything off without looking at all the options.
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Ella Cofer
I went thru this last yr. Got SSDI and my cash aid got cut completely! But my kids got put on a seprate child only case and still got some $$$. They didn't do it automatically tho - I had to really push my worker to set it up right. Callfresh went down too but we still get some. Make sure u tell them your expenses like rent and utilities cuz that helps with the callfresh calculation
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Kevin Bell
•This is exactly right. The income limits for a child-only case are much higher because they only count income available to the children. When a parent receives Social Security, the CalWORKs case can be restructured so the parent is excluded from the assistance unit but still serves as the caretaker for the children's grant. Always ask specifically for this option - county workers sometimes miss this step if you don't bring it up.
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Savannah Glover
when u get your SS started make SURE to keep all the paperwork to show your worker. they WILL ask for verification and if u don't have it they'll cut u off. also don't spend all the money at once because sometimes SS gives u back pay and that can put u over the resource limit if u don't spend it down. my cousin lost her benefits for 3 months because of this!!
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Oliver Cheng
•Omg thank you for mentioning that! They did say I'll get some backpay but I didn't think about the resource limit. Do you know how quickly I need to spend it? And does it matter what I spend it on?
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Felix Grigori
Have you tried calling your worker? I've been trying to get through to my CalWORKs office for 2 weeks about a change in my income too. So frustrating when they never pick up!
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Felicity Bud
•Try using Claimyr.com - it saved me SO much time when I had to report my new job to CalWORKs. It basically calls the county for you and gets through their phone system, then calls you once a real person is on the line. I was skeptical but the video demo at https://youtu.be/jzISHxCPLwE shows exactly how it works. Got through to my worker in under 20 minutes when I'd been trying for days on my own.
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Taylor To
One more important thing - if you're receiving SSDI (Social Security Disability Insurance) rather than SSI (Supplemental Security Income), the rules are different. SSDI is always counted as income for CalWORKs, but SSI is treated differently and recipients are not eligible for CalWORKs at all. However, with SSI, other family members can still get CalWORKs as a child-only case. You mentioned getting $1,275, which sounds like SSDI amounts. In that case, definitely ask about the child-only option for your kids. Also, be sure to report this change within 10 days of receiving your first payment to avoid any overpayment issues.
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Max Reyes
•That's not totally right. My mom gets SSI and she's excluded from our CalWORKs case but she's still the caretaker for us kids. The worker said that's exactly what SSI recipients are supposed to do - get excluded from the AU but remain the caretaker for the child-only case. Maybe it varies by county?
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Mikayla Davison
tbh this is why i didn't apply for social security even tho my doctor said i should. too scared of losing my other benefits and ending up worse off. the system is so complicated!!!
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Kevin Bell
•You should really reconsider applying for Social Security if you qualify. While it can affect your CalWORKs, in most cases people end up financially better off with SSDI/SSI plus a child-only CalWORKs grant than with just a family CalWORKs grant. Social Security benefits also don't have the same 48-month time limit that CalWORKs does, and you don't have to meet WTW requirements. It's worth talking to a benefits counselor to run the numbers for your specific situation.
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Oliver Cheng
I called my county office three times today but kept getting disconnected after waiting for 45+ minutes each time! This is so stressful. My first Social Security payment comes next week and I'm worried my CalWORKs will just stop automatically. Does anyone know how long they usually take to adjust the benefits after you report a change?
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Felicity Bud
•The timing can vary. When I reported my SS income, it took about 2-3 weeks before they adjusted my CalWORKs. They're supposed to send you a Notice of Action 10 days before making any changes, so you should have some warning. If you're still having trouble reaching someone, seriously consider trying Claimyr.com - it's designed specifically for getting through to county benefit offices when they're swamped with calls. The service connects you with a worker once they finally answer so you don't waste your whole day on hold.
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Taylor To
To summarize what everyone's said: 1. Your CalWORKs will definitely change - either reduce or stop for you personally 2. Ask specifically about establishing a child-only case for your kids 3. Report this change within 10 days of receiving your first payment 4. Keep documentation of everything - approval letters, payment amounts, etc. 5. Your CalFresh will likely decrease but not necessarily disappear 6. Be careful with any lump-sum backpay regarding resource limits Finally, make sure to submit your verification through BenefitsCal but also follow up by phone to ensure they process the change correctly. Changes involving Social Security often need additional worker attention to set up properly.
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Oliver Cheng
•Thank you so much for this summary! This is really helpful. I'll definitely ask about the child-only case right away.
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Quinn Herbert
I went through this exact same situation about 6 months ago! Got approved for SSDI ($1,100/month) while getting CalWORKs for me and my daughter. Here's what actually happened: my CalWORKs case got discontinued for me but they set up a child-only case for my daughter automatically once I provided all the SS paperwork. The child-only grant was actually higher than what we were getting before because they use different income calculations for child-only cases. My CalFresh did go down from $281 to $194 but we kept some benefits. The key thing is to stay on top of your worker - mine initially just closed everything until I called and specifically asked about the child-only option. Also, when you get your first SS payment, report it immediately but ask them to walk you through exactly how they're going to restructure your case. Don't let them just close everything without exploring all options!
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Liam Duke
•This is so reassuring to hear from someone who went through the same thing! The fact that your child-only grant was actually higher is really encouraging. I'm definitely going to push for that option and not let them just close everything. Quick question - how long did it take from when you reported your SS income to when they set up the child-only case? And did you have any gap in benefits during the transition?
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Grace Durand
•@Quinn Herbert That s'exactly the kind of real experience I needed to hear! It gives me so much hope that the child-only grant could actually be higher. Did you have to keep providing monthly verification of your SS payments or was it just the initial setup paperwork? Also wondering if they made you wait for your first SS payment to arrive before they could set up the child-only case, or if they could start the process once you showed them the approval letter?
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Emma Taylor
I'm actually in a very similar situation right now - just got my SSDI approval letter last week ($1,180/month) and I'm on CalWORKs with my three kids. Reading through everyone's experiences here has been incredibly helpful because I was honestly panicking about losing everything. Based on what everyone's shared, it sounds like the key is being proactive about asking for the child-only case rather than waiting for the worker to figure it out. I'm planning to call tomorrow (wish me luck getting through!) and specifically mention that I want them to evaluate a child-only case for my kids when my SSDI starts. One question I have - for those who went through this transition, did you notice any difference in how quickly they processed things if you submitted everything through BenefitsCal versus calling? I already uploaded my approval letter to BenefitsCal but I'm wondering if I should also try to speak with someone directly to make sure they handle the restructuring correctly. Also @Quinn Herbert - your experience gives me so much hope! The idea that the child-only grant could actually be higher than what we're getting now as a family case is amazing. Did you have to deal with any of the work requirements or WTW stuff for the child-only case, or does that go away once you're excluded from the assistance unit?
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Emma Morales
•@Emma Taylor You re'smart to be proactive about this! From what I ve'seen in my county, calling directly tends to get things moving faster than just uploading to BenefitsCal, especially for something this complex. The workers need to manually restructure your case and that often requires some back-and-forth discussion that s'easier to do over the phone. Regarding work requirements - once you re'excluded from the assistance unit due to receiving SSDI, you re'no longer subject to WTW requirements! That was actually one of the biggest reliefs for me. The child-only case for your kids won t'have any work requirements attached since you re'the caretaker but not part of the assistance unit anymore. I d'definitely recommend calling AND having everything uploaded to BenefitsCal as backup. When you call, specifically ask them to walk you through how they plan to restructure your case and don t'let them just say they ll'look "into it. Ask" for a timeline and follow up if you don t'hear back within that timeframe. Good luck!
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Amara Chukwu
I'm going through something similar right now and this thread has been SO helpful! I just wanted to add that when I called my county office about my upcoming SSDI payments, the worker told me something important - make sure you ask about keeping your Medi-Cal coverage too. Apparently when they restructure your case for the child-only CalWORKs, sometimes the Medi-Cal gets discontinued by mistake even though SSDI recipients are supposed to keep it. She said to specifically ask them to check that your Medi-Cal stays active when they exclude you from the CalWORKs assistance unit. I almost forgot to mention this but saw @Emma Taylor asking about the process and wanted to make sure everyone knows to check on ALL their benefits, not just the cash aid and CalFresh. The last thing anyone needs is to lose health coverage during this transition! Also echoing what others said about Claimyr - I used it yesterday and actually got through to my worker after trying on my own for over a week. Worth the small fee to not waste hours on hold.
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Sean Doyle
•@Amara Chukwu Thank you so much for bringing up the Medi-Cal issue! I hadn t'even thought about that but you re'absolutely right - losing health coverage would be devastating on top of everything else. I m'definitely going to make sure to ask specifically about keeping my Medi-Cal active when I call tomorrow. It s'scary how many different things can get messed up during these transitions if you don t'know exactly what to ask for. This whole thread has been like a masterclass in navigating the system - I feel so much more prepared now thanks to everyone sharing their real experiences!
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PaulineW
I'm new to this community but going through something very similar right now. My SSDI got approved last month ($1,320/month) and I've been on CalWORKs with my two kids for about a year. Reading everyone's experiences here has been incredibly eye-opening - I had no idea about the child-only case option and honestly thought I was going to lose everything. A few things I wanted to add based on what I've learned so far from my worker: 1. They told me that the 10-day reporting requirement is super important - if you report late, they can create an overpayment situation that's really hard to deal with later. 2. My worker mentioned that if you have any questions about whether you're getting SSDI vs SSI, check your award letter carefully. SSDI comes from your work history and SSI is need-based. The rules are slightly different for each one regarding CalWORKs eligibility. 3. One thing I haven't seen mentioned yet - if you're renting and receiving any rental assistance or living in subsidized housing, make sure to also report your Social Security income to your housing authority. The income limits and calculations are different but they also need to know about the change. I'm planning to call my worker this week armed with all the knowledge from this thread. Thank you everyone for being so open about your experiences - it's made this scary transition feel much more manageable!
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Zainab Ahmed
•@PaulineW Thanks for mentioning the housing authority reporting requirement! I completely forgot about that aspect. I do get a rental subsidy through Section 8 and you're absolutely right that they'll need to know about my Social Security income too. The last thing I need is to get in trouble with multiple agencies for not reporting changes properly. Your point about the 10-day reporting rule is also really important - I've been putting off calling because I'm dreading the phone wait times, but reading everyone's experiences here has convinced me I need to get this done ASAP. Better to deal with the hassle now than create bigger problems later with overpayments. One quick question - did your worker give you any sense of timeline for how long the whole restructuring process typically takes? I'm trying to figure out if I should expect any gaps in benefits while they sort everything out.
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Chloe Taylor
I'm dealing with this exact situation right now and this thread has been a lifesaver! Just wanted to add a few things that might help others going through the same transition: 1. When you call to report your Social Security income, ask them to put notes in your case file about discussing the child-only option. I learned this the hard way when my first worker forgot our conversation and almost just closed everything. 2. If you're getting any medical equipment or supplies through Medi-Cal (like a CPAP machine, wheelchair, etc.), double-check that your coverage continues seamlessly. I almost lost my diabetes supplies during my case restructuring because of a paperwork mix-up. 3. For those worried about the phone wait times - I found that calling right when they open (usually 8am) gave me the best chance of getting through quickly. Tuesday through Thursday seemed to be less busy than Mondays and Fridays. The whole process is definitely stressful but reading everyone's success stories here gives me hope that it'll work out. The fact that several people ended up better off financially with the child-only cases is really encouraging. Thanks to everyone who shared their real experiences - it's so much more helpful than trying to figure out the confusing official websites!
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Yara Nassar
•@Chloe Taylor Thank you for those practical tips! The note about asking them to put notes in the case file is brilliant - I never would have thought of that but it makes total sense given how often these cases seem to get shuffled between different workers. Your timing advice for calling is also really helpful. I ve'been trying to call during my lunch break around (noon and) getting nowhere. I ll'definitely try calling right at 8am tomorrow instead. As someone who s'also new to navigating this system, I really appreciate how supportive everyone has been in this thread. It s'honestly overwhelming trying to figure out all these different programs and requirements, but seeing so many people share their real experiences and practical advice makes it feel much less scary. I m'feeling way more confident about advocating for the child-only case option now thanks to all of you!
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Bruno Simmons
This thread has been incredibly helpful for someone like me who's navigating this confusing system! I'm currently waiting for my SSDI determination (fingers crossed) and already on CalWORKs with my son. Reading everyone's real experiences has taught me so much more than any official website. A couple of questions for those who've been through this: 1. If you're approved for SSDI but there's a delay in receiving your first payment, do you need to report the approval immediately or wait until you actually get the money? My lawyer said it could be 2-3 months between approval and first payment. 2. Has anyone dealt with this situation while also having a special needs child? My son gets additional support services and I'm worried about how the case restructuring might affect those. Thank you all for being so open about sharing your experiences - it's making what felt like an impossible situation seem much more manageable!
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Ethan Moore
•@Bruno Simmons Great questions! From what I ve'learned through my own experience and talking to my worker: 1. You should report the SSDI approval as soon as you get your award letter, even before receiving the first payment. The county needs to know about the approval to start planning how to restructure your case. Waiting until you get the money could create complications with overpayments if your CalWORKs continues at the current level in the meantime. 2. Regarding your son s'special needs services - those typically continue regardless of how your CalWORKs case is structured. Services like IHSS, Regional Center supports, or special education aren t'tied to your CalWORKs status. However, definitely mention this when you talk to your worker so they can coordinate properly and ensure nothing gets disrupted during the transition. The child-only case option should actually work really well for your situation since your son would still get the cash aid but without the work requirements that might be harder for you to meet while managing his care. Good luck with your determination - hoping you get good news soon!
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Sebastian Scott
I'm going through this exact same situation right now and this thread has been incredibly reassuring! I just got my SSDI approval letter yesterday ($1,150/month) and have been terrified about what would happen to my CalWORKs benefits for me and my twin daughters. Reading everyone's experiences, especially @Quinn Herbert and others who ended up better off with child-only cases, has given me so much hope. I had no idea that was even an option - I thought it was all or nothing. A few things I'm taking away from this thread that I want to confirm: 1. Report the approval immediately, don't wait for first payment 2. Specifically ask about child-only case for my kids 3. Make sure to ask about keeping Medi-Cal active 4. Get everything documented in my case file 5. Be prepared with all my SS paperwork One question I have - has anyone dealt with this while also receiving WIC benefits? I'm wondering if the income change affects that program differently than CalFresh. Thank you all so much for sharing your real experiences. This community is amazing and I feel so much more prepared to advocate for my family now!
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Sophia Clark
•@Sebastian Scott Congratulations on your SSDI approval! Your summary of takeaways is spot-on and shows you ve'been paying close attention to everyone s'advice. Regarding WIC - yes, your SSDI income will affect your WIC eligibility since they use gross income limits just like CalFresh. However, WIC income limits are typically higher than CalFresh, so you might retain some WIC benefits even if your CalFresh gets reduced. The key difference is that WIC looks at your household size differently - they only count you and your twin daughters, not extended family members who might be in your CalWORKs case. When you call your worker, definitely mention that you re'also on WIC so they can help coordinate the reporting between programs. Some counties can help facilitate that communication, which saves you from having to navigate multiple phone systems. One additional tip based on your situation with twins - make sure your worker understands you have two children when calculating the child-only case. Sometimes the system defaults incorrectly and you want to ensure both girls are included in the assistance unit from the start. You ve'got this! The fact that you re'going in prepared with all this knowledge puts you way ahead of where most people are when facing this transition.
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Diego Fernández
This is such a comprehensive thread - thank you everyone for sharing your real experiences! I'm in a similar situation where I'm expecting my SSDI decision soon and currently receive CalWORKs for myself and my daughter. Reading through all these responses has been incredibly educational and honestly a huge relief. What strikes me most is how many people mentioned that their workers didn't automatically suggest the child-only option - it seems like you really have to advocate for yourself and specifically ask about it. That's both frustrating and good to know going in. I'm definitely taking notes on everyone's practical tips, especially about calling right at 8am, keeping detailed documentation, and making sure to ask about ALL benefits (Medi-Cal, CalFresh, etc.) during the transition. The point about asking the worker to put notes in the case file is brilliant too. For those who successfully got child-only cases set up - did you find that your workers were generally knowledgeable about this option once you brought it up, or did you have to educate them about it? I'm trying to prepare for the possibility that I might need to really push for this if my worker isn't familiar with the process. Thanks again to everyone who took the time to share detailed experiences. This community support makes navigating such a complex system feel so much more manageable!
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