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Fatima Al-Hashemi

Social Security payment date change when switching from SSI to DAC benefits?

My son just got approved for Disabled Adult Child benefits after being on SSI for years. I'm completely confused about when his new payments will arrive each month. With SSI, he always got paid on the 1st, but now I'm not sure if that changes with DAC. I need to schedule his rent and utilities payments, and I don't want to mess up his budget. Does anyone know if his payment date will change? And how soon will the new payments start? The approval letter wasn't clear about this at all.

Yes, his payment date will change. SSI pays on the 1st, but DAC (also called CDB - Childhood Disability Benefits) follows the retirement payment schedule. He'll get paid based on your Social Security number if he's qualifying on your record. If the last 2 digits of your SSN are 00-09, he'll be paid on the 2nd Wednesday. If 10-19, it's the 3rd Wednesday. If 20-29, it's the 4th Wednesday. And if 30-99, it'll be the 4th Wednesday too.

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Thank you! My SSN ends in 62, so I guess that means he'll get paid on the 4th Wednesday? That's going to be a big adjustment for his bills. Do you know if there's a gap between the last SSI payment and the first DAC payment?

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I went through this with my daughter last year. There might be a gap of 1-2 months between the last SSI and first DAC payment, so make sure you have some savings to cover that period. Also, DAC payments are usually higher than SSI, so that's good news! But yes, the payment date will definitely change from the 1st to one of the Wednesdays based on the number holder's SSN.

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Oh no, I didn't realize there would be a gap! We don't have much savings. Is there anything I can do to prevent this gap? Would calling the SSA help?

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Dmitry Volkov

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there's almost always a processing gap when switching benefit types. that's just how the system works. sometimes they'll give backpay for that gap but don't count on getting it right away. I'd start calling utility companies NOW to let them know you might need to delay payment slightly. most will work with you if you tell them in advance

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Ava Thompson

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This is good advice. I'd add that you should get documentation of the benefit switch in case you need to show it to creditors. Most companies are understanding if you can prove it's a temporary situation due to government benefit changes.

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CyberSiren

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When my brother switched from SSI to DAC, we had SO MANY PROBLEMS with this exact thing!!! His landlord almost evicted him because of the payment gap. SSA didn't warn us AT ALL that this would happen!! We had to borrow money from family to cover his rent. The system is BROKEN and they don't care about disabled people at all!!! 😠

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That's exactly what I'm afraid of! His landlord isn't very understanding. Did your brother eventually get backpay for the gap period?

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If you need to reach someone at SSA to discuss this specifically, I had a great experience using Claimyr (claimyr.com) last month when I was dealing with my own benefit transition issues. Got through to a real person in about 10 minutes instead of waiting for hours or getting disconnected. They have a video that shows how it works: https://youtu.be/Z-BRbJw3puU - seriously saved my sanity during a stressful time.

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Zainab Yusuf

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Does this actually work? I've been trying to call SSA for 3 weeks and keep getting disconnected after waiting forever.

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Yes, it really works. I was skeptical too but was desperate after 5 failed call attempts. The service connected me to an agent quickly and I got my benefit questions answered in one call.

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One more thing to be aware of - if your son had Medicaid through SSI, make sure that continues during the transition. DAC benefits might put him over the income limit for regular Medicaid in some states, so he might need to apply for a Medicaid waiver program. This is separate from the payment date issue but equally important to address ASAP.

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I hadn't even thought about the Medicaid issue! This is getting overwhelming. Do I need to contact Medicaid separately, or will SSA handle that?

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Ava Thompson

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To answer your original question more precisely: Your son's DAC benefits will be paid on the 4th Wednesday since your SSN ends in 62. The payment date is determined by the primary number holder's SSN (presumably yours), not your son's. For those reading this thread with similar situations: - SSNs ending in 00-09: paid on 2nd Wednesday - SSNs ending in 10-19: paid on 3rd Wednesday - SSNs ending in 20-99: paid on 4th Wednesday And yes, you should contact Medicaid separately as soon as possible. In most states, the transition from SSI-related Medicaid to another Medicaid category requires your action - it doesn't happen automatically.

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Thank you for the clear explanation! I'll mark my calendar for the 4th Wednesday of each month and contact Medicaid tomorrow.

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One more bit of advice - print out the SSA payment calendar for the year (available on ssa.gov) and keep it handy. Note that if the Wednesday payment date falls on a federal holiday, the payment will come the day before. Planning ahead with this calendar really helped us manage the transition for my daughter.

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That's a great tip! I'll definitely download and print the payment calendar. Thank you all for your help - I'm still nervous about the gap but at least now I know what to expect and can start planning.

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Haley Stokes

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I just wanted to add that you should also check if your son will be eligible for Medicare once he starts receiving DAC benefits. If he's been on SSDI for 24 months (which includes the waiting period), he might qualify for Medicare Part A automatically. This could affect his overall healthcare coverage alongside the Medicaid transition that others mentioned. It's worth asking about when you call SSA or contact them through one of the services mentioned above. The healthcare coverage piece is just as important as figuring out the payment dates!

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Good point about Medicare! I hadn't considered that at all. Since my son has been on SSI (not SSDI), would he still be eligible for Medicare with DAC benefits? Or does the 24-month requirement start over when he switches to DAC? This is getting really complicated - I feel like I need to make a checklist of all the things I need to ask about: payment dates, Medicaid transition, Medicare eligibility, and the payment gap. Thank you for bringing this up!

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Camila Jordan

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@CosmicCrusader The Medicare eligibility for DAC benefits is a bit different than regular SSDI. Since DAC is considered a type of Social Security disability benefit, your son should become eligible for Medicare 24 months after his DAC entitlement date - not 24 months after he starts receiving payments. So if there's a gap between approval and first payment, the Medicare clock still starts ticking from the entitlement date. However, since he was on SSI (not SSDI), the 24-month period does start fresh with DAC. The good news is that many people with DAC benefits can get both Medicare and Medicaid coverage, which provides really comprehensive healthcare coverage. Definitely add this to your list of questions when you call!

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I'm going through a similar situation with my nephew right now, and I wanted to share what our case worker told us that might help. She said to immediately set up automatic payments for essential bills (rent, utilities) to come out a few days AFTER the new payment date, not before. This gives you a buffer in case there are any delays with the new payment system. Also, ask SSA specifically about "deemed filing" - sometimes they can make the transition smoother if certain conditions are met. One thing that really helped us was creating a simple spreadsheet tracking the old payment dates vs new ones, plus marking down when we contacted each utility company about the change. It sounds like you're getting great advice here, but don't forget to also notify your bank about the payment date change so they don't flag it as unusual account activity. Hang in there - the adjustment period is tough but it does get easier once everything is set up!

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Nia Wilson

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This is such helpful practical advice! I never would have thought about notifying the bank - that's a really good point about them potentially flagging the date change as suspicious activity. The automatic payment timing suggestion is brilliant too. I'm definitely going to set everything up to come out a few days after the 4th Wednesday instead of trying to time it perfectly. And I love the spreadsheet idea - I'm pretty organized but this whole transition has me feeling scattered. Having everything written down in one place will help me keep track of what I've done and what still needs to be handled. Thank you for sharing your experience - it's reassuring to know others have made it through this successfully!

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Sasha Ivanov

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I just want to echo what everyone else has said about being proactive with contacting your utility companies and landlord NOW. When my sister went through this transition two years ago, we learned the hard way that some companies are much more flexible than others. Her electric company was super understanding and let her pay a few days late without any fees once she explained the situation, but her internet provider was not helpful at all. One thing I don't think anyone mentioned yet - if your son receives any other assistance like SNAP benefits, those might also be affected by the switch from SSI to DAC. The income calculation changes, so you might need to report the change to your local SNAP office too. It's worth calling them to ask, just to be safe. Also, I'd suggest keeping detailed records of everything during this transition - dates you called, who you spoke with, confirmation numbers, etc. If anything goes wrong or gets delayed, having that documentation will save you a lot of headaches later. Good luck with everything!

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QuantumLeap

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Thank you for mentioning SNAP benefits - I completely forgot about that! My son does receive SNAP and I hadn't even thought about how the income change might affect his food assistance. I'll add that to my growing list of agencies to contact. You're absolutely right about keeping detailed records too. I've already started a notebook just for this transition after reading all these responses. It's overwhelming how many different systems are interconnected with Social Security benefits. I really appreciate everyone sharing their experiences here - it's making me feel much more prepared for what's ahead, even though it's still pretty scary!

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Sofia Ramirez

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I went through this exact transition with my brother about 6 months ago, and I want to add something that might help ease your stress a bit. While everyone is right about the payment date change and potential gap, there's actually a good chance your son might receive some retroactive payments that could help bridge that gap financially. When my brother switched from SSI to DAC, SSA calculated his DAC benefits back to his original disability onset date, and since DAC pays more than SSI, he received several months of "back pay" for the difference. This didn't come right away - it took about 2-3 months after his first DAC payment - but it was a significant amount that really helped us catch up on bills and build a small emergency fund. I'd definitely ask about this when you call SSA. Also, make sure to ask them to send you a written notice with his exact payment schedule and amount, so you have it in writing for your records and to show to creditors if needed. The whole process is stressful but the outcome is usually much better financially in the long run!

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Maya Jackson

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That's really encouraging to hear about the retroactive payments! I was getting so worried about how we'd manage financially during the gap, but knowing there might be back pay coming eventually makes me feel a bit more hopeful. Did your brother have to do anything special to get the retroactive payments, or did they just automatically calculate and send them? I'm definitely going to ask for everything in writing when I call SSA - that's such good advice. It sounds like even though this transition is complicated and stressful, it really does work out better in the end. Thank you for sharing your brother's experience - it helps so much to hear from people who've actually been through this process successfully!

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I'm a newcomer here but wanted to share what I learned when helping my cousin through this exact situation last year. One thing that really helped us was calling SSA and asking specifically for a "benefit verification letter" that shows both the old SSI payment dates and the new DAC payment schedule. This letter was incredibly useful when we had to explain the situation to his apartment complex and utility companies - having official SSA documentation made them much more willing to work with us during the transition period. Also, I'd recommend checking if your son's state has any emergency assistance programs for people transitioning between benefit types. In our state, there was a small emergency fund specifically for situations like this that could help cover essential bills during payment gaps. The local disability services office was able to point us in the right direction for that. It wasn't a lot of money, but it was enough to keep his electricity on during the transition month. One last tip - when you do get through to SSA (whether through regular calling or using one of the services mentioned above), ask them to flag your son's file to prioritize the transition. Sometimes they can expedite things if you explain that housing stability is at risk. Best of luck with everything!

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Kyle Wallace

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This is such valuable information, especially about the benefit verification letter! I hadn't heard about that specific document before, but it makes perfect sense that having official SSA paperwork would carry more weight with landlords and utility companies than just trying to explain the situation verbally. I'm going to ask for that letter specifically when I call them. The emergency assistance program tip is also really helpful - I had no idea states might have specific funds for benefit transitions. I'll contact our local disability services office tomorrow to see what might be available here. Thank you for taking the time to share these practical tips as a newcomer - it's exactly the kind of detailed, actionable advice I was hoping to find!

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Ian Armstrong

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As someone new to this community, I wanted to share my recent experience that might help others going through similar transitions. My daughter just completed the switch from SSI to DAC benefits three months ago, and while the process was definitely stressful, I learned some things that could be useful. First, regarding the payment gap - it's real and unfortunately pretty common. In our case, there was about a 6-week gap between her last SSI payment and first DAC payment. However, what really saved us was calling SSA immediately after getting the approval letter and asking them to expedite the first DAC payment due to "financial hardship." They were actually able to process it about 2 weeks faster than normal. Also, I discovered that some local 211 services (dial 2-1-1) have emergency assistance specifically for people transitioning between government benefits. They helped us with one month's rent during the gap period. It's worth calling to see what's available in your area. One thing I wish someone had told me earlier - make sure to keep your last few SSI payment stubs as proof of your previous benefit level. Some assistance programs asked for this documentation when we applied for temporary help during the transition. The good news is that once everything is set up on the new schedule, DAC benefits are typically more reliable and higher than SSI. The adjustment period is tough, but it's definitely worth it in the long run. Hang in there!

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Carmen Ruiz

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This is incredibly helpful information, especially the tip about calling to request expedited processing due to financial hardship! I had no idea that was even an option. Six weeks is still a long gap, but knowing it could potentially be shortened to about 4 weeks makes it feel more manageable. I'm definitely going to call 2-1-1 tomorrow to see what emergency assistance might be available in our area - I didn't even know that service existed. And thank you for the advice about keeping the SSI payment stubs - that's the kind of detail I never would have thought of until I needed it. It's so reassuring to hear from someone who just went through this process successfully. Even though it sounds like there will be challenges ahead, knowing that others have made it through gives me confidence that we can handle this transition too. I really appreciate you taking the time to share such detailed and practical advice!

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I'm new to this community and currently going through a similar situation with my adult daughter who is transitioning from SSI to DAC benefits. Reading through all these responses has been incredibly eye-opening - I had no idea about most of these issues! One thing I wanted to add that might help is to also notify your son's doctors and any medical equipment suppliers about the potential Medicaid changes during this transition. We learned this the hard way when my daughter's wheelchair repair was delayed because the medical supply company wasn't sure if her Medicaid coverage would continue. Getting ahead of this with a call to explain the benefit transition saved us from having to reschedule several important appointments. Also, if your son has a representative payee situation or any direct deposit arrangements, make sure those are all updated with the new benefit information. The bank routing might stay the same, but the timing and amounts will change, and some banks flag this as suspicious activity if they're not notified in advance. Thank you to everyone who shared their experiences here - this thread has become like a comprehensive guide for benefit transitions! I'm bookmarking it to reference as we go through our own process.

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Zoe Papadakis

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Thank you so much for mentioning the medical providers and equipment suppliers! I hadn't even thought about that aspect, but it makes complete sense that they would need to know about the Medicaid transition. My son has regular physical therapy appointments and uses a specialized mobility device, so I'll definitely need to contact those providers to give them a heads up about the potential coverage changes. The representative payee point is also really important - I am his rep payee, so I'll need to make sure all the banking information gets updated properly. This thread really has become an amazing resource! I keep adding more items to my to-do list as I read everyone's experiences, but it's so much better to know about these things ahead of time rather than discovering them the hard way. I'm grateful for this community and all the practical wisdom everyone has shared. It's making what felt like an overwhelming and confusing process seem much more manageable with proper preparation.

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Dmitry Ivanov

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I'm new to this community but wanted to share something that helped us tremendously during my nephew's transition from SSI to DAC last year. We discovered that you can actually request a "bridge payment" in some cases if you can demonstrate immediate financial hardship due to the benefit transition gap. When we called SSA (using the Claimyr service mentioned above - it really does work!), we specifically asked to speak with a "benefits specialist" rather than just a general representative. The specialist was much more knowledgeable about transition options and was able to arrange a one-time emergency payment that covered about 80% of his regular benefit amount during the gap period. We had to provide documentation showing his rent was due and utilities were at risk of disconnection, but it was totally worth the extra paperwork. Also, I'd strongly recommend creating a "transition binder" with copies of everything - the DAC approval letter, SSI award letter, lease agreement, utility bills, bank statements, and any correspondence with SSA. Having all this organized in one place made every phone call and application process so much smoother. We ended up needing to reference these documents multiple times throughout the transition. The process is definitely stressful, but based on all the great advice in this thread, you're already way more prepared than we were! The community knowledge here is incredible.

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Emma Olsen

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This is amazing information about the bridge payment option! I had no idea that was even possible - none of the SSA representatives I've spoken with so far have mentioned anything like that. I'm definitely going to ask specifically for a "benefits specialist" when I call back and inquire about emergency payments during the transition. The transition binder idea is brilliant too - I've been keeping papers in different folders but having everything organized in one dedicated binder makes so much more sense, especially since I'll probably need to reference these documents repeatedly over the coming months. Thank you for sharing such detailed and actionable advice! Between this tip about bridge payments and all the other suggestions in this thread, I'm feeling much more confident about advocating for my son during this process. It's incredible how much practical knowledge this community has - I wish I had found this discussion weeks ago when we first got the approval letter!

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Paolo Ricci

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I'm new to this community and just want to thank everyone for sharing such detailed experiences and advice on this thread. My brother is about to start this same transition from SSI to DAC benefits, and reading through all of your responses has been incredibly helpful for preparing ahead of time. One small thing I wanted to add that might help others - when I called our local Area Agency on Aging to ask about emergency assistance programs, they mentioned that some food banks and community organizations have special "benefits transition" emergency food boxes specifically for people going through situations like this. It's not cash assistance, but it can help stretch your budget during the gap period when money is tighter than usual. Also, I learned that if your son has any automatic bill payments set up through his bank, you might want to temporarily switch those back to manual payments during the transition period, just to avoid any overdraft fees if the timing gets messed up with the new payment schedule. The level of knowledge and support in this community is really amazing - thank you all for taking the time to share your experiences and help others navigate this complicated process!

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