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My husband (64, turning 65 in May) is completely bedridden due to his disability. His health insurance won't cover home health aides, and we simply can't afford to hire one privately. I'm 67, still working full-time, and I'm his only caregiver which is becoming increasingly difficult both physically and emotionally. We're considering a nursing home as I'm reaching my breaking point, but I'm concerned about his finances. If he moves to a nursing facility, would he still receive his Social Security disability benefits? Would they go directly to him or the facility? I'm completely lost on how this works and what we'd need to do financially to prepare for this change. Any advice would be greatly appreciated.
My 12-year-old son just started receiving SSI disability benefits last month. Such a relief! His payment amount is based on our household income (my husband works full-time while I'm home caring for our son). We're currently living in Texas, but I'm planning to relocate to Georgia with my son while my husband stays in Texas. I have so many questions about how this will affect his benefits: 1. How do I properly report our interstate move to SSA? Will his benefit amount change when we move from Texas to Georgia? 2. My husband will continue sending us support money, and I'll need to find part-time work in Georgia. How will these two income sources affect my son's SSI payment? 3. I've heard conflicting information about income limits - someone mentioned $4,200 monthly? Is there a specific threshold where his benefits stop completely? 4. If they determine we're over the income limit, will SSA request repayment of his back payments? Sorry for the scattered questions, but I'm trying to plan carefully before making this move. His SSI helps tremendously with his special needs, but I need to understand what changes to expect!
I just remembered something important! If you're moving states make SURE you research medicaid too! SSI usually comes with medicaid but each state runs it differently and you don't want ANY gaps in coverage for your son!!
I've been through something similar with my daughter's SSI when we had family changes. A few additional things to keep in mind: 1. **Document everything** - Keep detailed records of all money your husband sends, even if it's informal support. SSA will ask for specifics during reviews. 2. **Consider timing** - Since you just started receiving benefits last month, you might want to get through at least one full review period before making major changes. This could help establish a baseline. 3. **Georgia-specific resources** - Contact Georgia's Department of Human Services early to understand their Medicaid application process and any state-specific disability services your son might qualify for. 4. **School considerations** - Don't forget to research special education services in your new Georgia district. Continuity of educational support is just as important as the financial benefits. The income calculations can be complex, but generally speaking, if your husband's support plus your part-time earnings stay reasonable, your son should continue receiving some SSI benefit. The key is being proactive and transparent with all reporting. Good luck with your move - it sounds like you're being very thoughtful about planning this transition!
I've been receiving SSDI benefits ($2560/month) for several years now, but money is still pretty tight. I'm considering testing the waters with full-time work again at age 58, despite struggling with severe fatigue from my condition. I'm nervous about how this might affect my benefits both now and in the future. If I do manage to return to work successfully, would those new earnings potentially increase my Social Security retirement benefits when I reach either 62 or my full retirement age? I already have enough work credits to qualify for retirement benefits someday. Also, what happens if I try working but have to stop periodically due to my health? Will those gaps somehow reduce my future benefits? Will I be penalized? I'd appreciate any advice from those who've navigated this transition. Some days I feel almost normal, but the fatigue can be crushing and unpredictable. Still, I want to try if it could help my financial situation long-term.
@Amelia Martinez - Yes, there are several good resources for remote work opportunities for people with disabilities! Check out: 1. **AbilityJobs.com** - specifically focuses on disability-inclusive employers with remote options 2. **FlexJobs.com** - has a disability-friendly filter and tons of remote part-time opportunities in customer service and data entry 3. **DisabilityIN.org** - their job board features inclusive employers 4. **EARN (Employer Assistance and Resource Network)** - provides resources and job leads Many companies like LiveWorld, Working Solutions, and Arise specifically hire remote customer service reps and are known to be accommodating. For data entry, companies like Clickworker, DataPlus+, and Axion Data Services often have flexible remote positions. The key is being upfront about needing flexible scheduling during interviews - frame it as "I work best with flexible hours to optimize my productivity" rather than focusing on limitations. Most remote employers care more about results than strict schedules anyway. Also consider freelance platforms like Upwork or Fiverr where you can completely control your workload and schedule. Start small and build up as your energy allows!
This is such valuable information! I've bookmarked all those resources you mentioned. The idea of framing flexibility as productivity optimization is brilliant - I never thought of it that way. I'm particularly interested in the freelance platforms since I could truly control my workload based on how I'm feeling each day. Starting with something like data entry or simple customer service tasks seems much less overwhelming than jumping into full-time employment right away. Thank you for taking the time to share all these specific resources - it gives me a real roadmap to start with!
I wanted to add one more resource that's been incredibly helpful for me as someone who's navigating work with a disability - the Job Accommodation Network (JAN) at askjan.org. They have free consultants who can help you think through what workplace accommodations might help with your fatigue issues. Some accommodations that have worked well for people with fatigue conditions include: - Flexible start/end times to work around your peak energy hours - Permission to take short breaks as needed - Option to work from home on bad days - Modified lighting or workspace setup to reduce energy drain - Reduced travel or meeting requirements The great thing about JAN is they can help you figure out how to request accommodations professionally and what's reasonable to ask for. They also have sample accommodation request letters. Since you mentioned your fatigue is unpredictable, having a plan for accommodations before you start working could make the difference between success and having to stop again. Many employers are more willing to work with you if you come prepared with specific, reasonable solutions rather than just saying "I have fatigue issues." Best of luck with whatever you decide! The Trial Work Period really does give you a safety net to test things out.
This is such great information about JAN! I had no idea there was a free service that could help with accommodation requests. The specific examples you mentioned really resonate with me - especially the flexible start/end times since my energy levels are definitely higher at certain times of day. Having sample request letters would be huge too since I've never had to navigate this before. It's reassuring to know there are ways to proactively address the fatigue challenges rather than just hoping for the best. I'm going to check out askjan.org right away. Thank you for sharing this resource!
I'm trying to understand the mother's/father's benefit (Child-in-Care) rules after my husband passed away last year. Our adult son (28) has a disability since childhood but recently completed a Return to Work program and is now earning about $1,250/month. He was on SSDI but payments stopped when his income exceeded the SGA limit. Here's my question: is there an income cap for ME as the surviving parent to receive the Child-in-Care benefit? And since my son is technically 'eligible' for benefits (but not receiving due to his work income), can I still qualify for the Child-in-Care benefit? The SSA representative gave me conflicting information during two different calls, and now I'm confused about whether I qualify at all.
To summarize what everyone's said: While your son is earning above SGA during his EPE, his benefits are suspended (not terminated). During months of suspension, you would not be eligible for Child-in-Care benefits because he's not receiving benefits. For any months he earns under SGA during the EPE, both his benefits and your Child-in-Care benefits could be reinstated for those specific months. After the EPE ends, if he's still working above SGA, his benefits would be terminated, which would permanently end your eligibility for Child-in-Care benefits (unless he files a new application later).
I'm dealing with a very similar situation as a newcomer to understanding these benefits. My husband passed away 6 months ago, and our 25-year-old daughter has intellectual disabilities but recently started working 20 hours a week at a local grocery store through a supported employment program. She's earning about $900/month, which is under SGA, so she's still receiving her SSDI payments. I've been getting Child-in-Care benefits, but I'm worried about what happens if she gets more hours or a raise that puts her over the SGA limit. Reading through all these comments has been incredibly helpful - it sounds like the moment her earnings go above SGA and her benefits get suspended, I'll lose my Child-in-Care benefits too, even though she'll still need my daily support with transportation, meal planning, and managing her finances. It's reassuring to know I'm not the only one navigating this confusing system, but also frustrating to see how the rules can discourage our loved ones from achieving more independence.
I'm stressing about survivor benefits and how they'll work in my situation. My husband is 74 and started claiming Social Security at 63 (reduced benefit). I'm 66 now and began collecting my own retirement benefit when I was 65. His monthly check is about $1,850 while mine is only $1,390. I've been trying to understand what would happen if he passes away before me. Would I receive his current reduced amount ($1,850) or would it be based on what he would have received at his full retirement age (his PIA)? I've read conflicting information online and the SSA website is confusing me even more! Does anyone know for sure how survivor benefits are calculated in this specific situation? Also, would I need to apply for survivor benefits immediately after his passing or is there a grace period? Any insight would be really appreciated!
I'm a benefits specialist and wanted to add one more important detail that hasn't been mentioned yet. Since you're already receiving your own Social Security benefit, when you become eligible for survivor benefits, you'll essentially be "switching" to the survivor benefit - you won't receive both payments simultaneously. Also, there's something called the "deemed filing" rule that might affect your situation. If you haven't reached your full retirement age when your husband passes, you might be automatically deemed to be filing for both your retirement benefit and survivor benefit, and you'd receive the higher of the two. Given that you're 66 and likely at or past your FRA, this shouldn't be an issue for you, but it's worth mentioning for completeness. The key takeaway is that you'll receive whichever benefit amount is higher - either your current $1,390 or the survivor benefit calculation (which, as others have explained, could be either his $1,850 or 82.5% of his PIA, whichever is higher).
I just wanted to add that you can actually get a Social Security Statement that shows your husband's PIA (Primary Insurance Amount) by creating an account at ssa.gov/myaccount. This will help you calculate whether you'd get his current $1,850 or the 82.5% of his PIA amount mentioned by others here. Also, consider reaching out to your local SSA office NOW while you're both still alive to get these calculations done in advance. They can run the numbers and tell you exactly what your survivor benefit would be. This way you'll know what to expect financially and can plan accordingly, rather than trying to figure it out during an already difficult time. Having this information ahead of time also helps you understand if there are any other financial planning steps you should take now to prepare for potential changes in household income.
This is such great advice about getting the calculations done in advance! I never thought about creating an account to see his PIA or visiting SSA while we're both still here. You're absolutely right that it would be much easier to handle this planning now rather than during a stressful time. I'm going to set up that online account this week and see if I can get his Social Security Statement. Do you know if both spouses can access each other's information online, or would he need to create his own account to get his PIA details?
Each spouse needs to create their own individual my Social Security account - you can't access your husband's information through your account due to privacy protections. He would need to set up his own account at ssa.gov/myaccount to view his Social Security Statement and PIA details. However, when you visit the local SSA office together, they can discuss both of your records and run the survivor benefit calculations with both of you present. That might actually be the easier route since they can pull up all the information needed and walk you through the exact numbers in one visit. Just make sure to bring both of your Social Security cards and photo IDs when you go.
Giovanni Colombo
I'm going through a similar situation with my elderly mother right now, and I can't imagine how exhausting this must be for you. You're being so strong taking care of your husband while working full-time - please don't feel guilty about needing help. One thing I learned that might help you is to ask the nursing homes you're considering about their specific policies for married couples. Some facilities have social workers who specialize in helping spouses navigate the Medicaid application process and understanding exactly how much of your combined income you'll be able to keep for your household expenses. Also, when you do contact SSA (definitely try that Claimyr service someone mentioned), ask them about any state-specific programs for caregiving spouses. Some states have additional support programs that can help with the transition period. You're doing everything right by researching this thoroughly before making the decision. Your husband is lucky to have someone who cares so much about getting this right for both of you.
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Justin Chang
Thank you so much for your kind words and encouragement. It really means a lot to hear from someone going through something similar. I've been feeling so guilty about even considering a nursing home, but you're right - I need to accept that I can't do this alone anymore. I'll definitely ask the facilities about their social workers who can help with the Medicaid process. Having that kind of specialized support sounds invaluable. How are you managing with your mother's situation? I hope you're taking care of yourself too during this difficult time.
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Sean Flanagan
I'm a social worker who has helped many families navigate this exact situation. Your husband will definitely continue receiving his SSDI benefits in a nursing home - those benefits belong to him regardless of where he lives. However, the key issue is how Medicaid handles those benefits if they're paying for his care. As others have mentioned, you'll likely qualify for the Monthly Maintenance Needs Allowance (MMNA) which can range from about $2,300-$3,700 depending on your state. This allows you to keep a portion of his income to maintain your household expenses before the rest goes to the nursing home. One important thing I haven't seen mentioned yet - you should also look into whether your state has a "spousal resource allowance" that protects some of your combined assets (like savings, retirement accounts) from being spent down for Medicaid eligibility. This is separate from the income protections. I'd strongly recommend contacting your state's SHIP (State Health Insurance Assistance Program) - they provide free Medicare and Medicaid counseling and can walk you through the specific rules in your state. You can find your local SHIP at shiphelp.org. You're being incredibly responsible by planning ahead rather than rushing into this decision. Many families don't realize these protections exist until it's too late to properly plan.
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Ravi Sharma
Thank you so much for this comprehensive information! I had no idea about the spousal resource allowance - that could be really important for protecting our retirement savings. I'll definitely look into SHIP at shiphelp.org. It's such a relief to know there are free resources available to help navigate this. As someone new to understanding these programs, would you recommend contacting SHIP before or after I become his representative payee? I want to make sure I approach this in the right order.
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Tyler Murphy
I'd recommend contacting SHIP first, actually. They can help you understand the full picture of what protections you're entitled to and guide you through the entire process in the right sequence. They'll also help you gather all the documentation you'll need for both the representative payee application and the Medicaid application. SHIP counselors are trained to look at your specific situation holistically and can often identify protections or programs you might not know about. Once you have that roadmap from SHIP, you'll be better prepared when you apply to be his representative payee and will know exactly what questions to ask SSA. Plus, if you run into any issues with the representative payee process, SHIP can often help advocate for you or connect you with additional resources. The order really does matter for maximizing your protections, so getting that expert guidance upfront is invaluable.
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