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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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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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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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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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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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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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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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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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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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