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?
21 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
AuthorThank 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
AuthorOmg 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
AuthorThank 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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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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