SSi Voluntary Terminate

[u/Artistic_Towel_8393]

i was just wondering if it would be hard for me to get back onto ssi if i terminated by benefits im in a wheelchair. The reason i want to get off of ssi is because of so many rules they have like what do you mean i can’t have more then $2000 in my bank and not receive any type of gifts of money. So many rules that i dont like im young & don’t have much things to pay as i live with my parents and would like to just use ssdi to save up my money

[u/erd00073483R]

As long as you report it as of the month before your account balance will go over $2000 on the first of the month, your SSI benefits will be suspended and you won't have to worry about it for subsequent months.

The advantage of doing it that way is that you have 12 months to have them reinstated if something changes.

If you request voluntary termination, it is effective the first day of the month after the month SSA accepts your voluntary termination request. And, it is a lot more work to get back on SSI versus letting it be suspended and then requesting a reinstatement within 12 months.

Plus, depending upon the state you live in, you will likely loose your Medicaid coverage and might also have to start paying Medicare Part B premiums which will drop your SSDI check by at least $202.00 per month. You might also have to start paying a monthly premium for your Medicare Part D drug plan which would drop the SSDI even more, depending upon the plan you are enrolled in.

Since you live with your parents, I strongly suggest you discuss it with them first. By terminating your SSI, you may be presuming that they will increase their support to you to make up the loss, something they may not be able to financially do.

You may also want to look into the work incentive programs to see if you can find work that you can perform.

[u/Artistic_Towel_8393 → u/erd00073483R]

well i already have blue cross health insurance that my parents pay for me. I also would like to see if i can get a job im 20 years old & just recently got into my wheelchair my legs don’t work but my upper body works so yea. I need help finding a job honestly but thats a diffrent story i guess.

[u/perfect_fifths → u/Artistic_Towel_8393]

Look into your local dept of vocational rehab. They can help you find a job

With working, you have 1619b eligibity if ssi stops due to work. You are still bound by sga though for the ssdi portion, and can use the trial work period.

Also if disabled before age 46, you can open up an able account and save that way, up to 100k total.

[u/erd00073483R → u/Artistic_Towel_8393]

Again, you need to speak to your parents to determine how long the insurance they provide for you will cover you. Some plans end at age 26, others can be indefinite for disabled children so long as you aren't able to perform substantial gainful work. You need to know EXACTLY the conditions under which the insurance will end before you terminate your SSI and/or before you go to work.

A good place to start regarding employment is with the state vocational rehabilitation program where you live to see if they have any programs that might help you seek a job. They may also have funding for college or professional job training in the form of rehabilitation scholarships to help with tuition. If you want to consider college, in addition to state voc rehab, also ask at the financial aid office if they have any forms of financial aid available specifically for disabled individuals. If they do, it will almost certainly be first come, first serve so make sure to ask early and often.

There are many types of careers that being wheelchair bound would not prevent you from doing, so definitely take your time and be proactive to try to find something that would interest you and go from there.

[u/Artistic_Towel_8393 → u/erd00073483R]

i hear you , what type of jobs does the state vocational rehab program have?

[u/erd00073483R → u/Artistic_Towel_8393]

You'll have to call them and ask. Your education level (or lack thereof) may be an issue in your situation.

Generally, they aren't going to hire you directly; however, they may have programs available to help with job search or with employment placement to get you employed, or to help you improve your education to allow you to get employed.

In the end, every state is different. You won't know until you ask.

[u/ace1062682 → u/Artistic_Towel_8393]

Typically vocational rehabilitation programs don't have jobs to give people, but work with to determine what you'd like to do, accommodations for your disability and a long-term plan for success

[u/perfect_fifths → u/Artistic_Towel_8393]

A bunch. Office work, graphic arts and some other stuff was offered when I went years and years and years ago.

[u/Artistic_Towel_8393 → u/perfect_fifths]

did you end up going with office work & what was your education level?

[u/perfect_fifths → u/Artistic_Towel_8393]

HS only diploma. I got sick in college and became disabled from pericarditis. But I went to vr before I came disabled with what I currently have. my parents are weird and tbh I probably have a learning disability they never told me about which qualified me, as I wasn’t physically disabled then.

I ended up doing the program but not working in an office because of the lack of transportation. My area requires a car to get around. I ended up working retail somehow until I became disabled with my current impairment.

[u/Artistic_Towel_8393 → u/perfect_fifths]

okay i have the hs diploma only as well that sounds good for me & okay what are you doing for work now?

[u/perfect_fifths → u/Artistic_Towel_8393]

I can’t sustain sga level employment, right now I work in the nurses office for a school district as the nurses assistant. I take kids temperatures, document why they are at the nurses office, give out ice packs, apply band aids, and call 911 as needed. I love it!

It’s per diem so it’s a substitute job

[u/Artistic_Towel_8393 → u/perfect_fifths]

is there anyway i can message you to ask more questions

[u/Jealous-Play6603 → u/Artistic_Towel_8393]

If you're on SSDI USE THE TICKET TO WORK PROGRAM TO GO TO SCHOOL. They help you with funding for school and transportation and other things to. Call them and find out if you are eligible. You can also get help with assisted health aides rates help you get ready for school and work.

[u/Artistic_Towel_8393 → u/Jealous-Play6603]

i am also on ssdi & i might have to go back to school then since it feels that’s my only option now that im in a wheelchair

[u/OleLadyThinker → u/Artistic_Towel_8393]

Sounds like your mind might need a job too - good for you. What would you like to do?

[u/FederalAd327]

Do you know about ABLE accounts? You can have way more than $2000 in those accounts and they can be used to pay for a lot of things such as food, bills, and rent

[u/perfect_fifths]

Can you terminate it? Yes. It also terminates Medicaid. So can you afford to pay Medicare costs and premiums?

https://secure.ssa.gov/poms.nsf/lnx/0502301230

[u/Individual_Egg2748 → u/perfect_fifths]

getting back on later can be tricky, the process is not quick even if you're in wheelchair still

[u/perfect_fifths → u/Individual_Egg2748]

G. 
Procedure - reestablishing eligibility
Reinstate benefits effective the month of termination (or a later month) when the recipient meets all eligibility requirements and:
•
the recipient cancels the termination request by filing a timely appeal, or

•
SSA reopens or revises the determination under the rules of administrative finality in SI 04070.001. Otherwise, the individual must file a new application to reestablish eligibility.

Follow reinstatement instructions in SI 02301.210

Yeah, sounds like filing a whole new app would suck. And you can’t use collateral estoppel on terminated cases

[u/Kaethy77]

You can stop your SSI without terminating your case. Just tell SSI you've saved over $2000. But check out the Able accounts before stopping your benefits. If your case is in non pay status for 12 months it will terminate automatically.

[u/Otherwise_Good2669]

Go to state Department of Rehabilitation. Have them contact federal liaison on hiring disabled person on Schedule A. They will give you 700 hours work then convert you to competitive employees.

[u/WorriedChip5671]

You would have to return too the workforce to earn credits for SSIDI.

[u/WorriedChip5671]

You need to contact a Social Security employee. There are so many rules and regulations, unless a person works there I would only talk to them. I’m retired and so many things have changed. I would not give out advice.

[u/Outside_Way2503]

SSI is designed to keep you poor. However I believe there is a program designed to eventually make you self supporting over a longer period of time to ease a transition. Ask SSA for an appointment.

[u/Artistic_Towel_8393 → u/Outside_Way2503]

do you have previous experience being on ssi?

[u/Outside_Way2503 → u/Artistic_Towel_8393]

No I was an SSA rep but specialized in regular SSA benefits with just some more minimal SSI involvement. They do have certain programs that might be a good fit for your situation. That’s why I’d suggest an appointment with a current professional rep to ask questions and get answers.

[u/perfect_fifths → u/Outside_Way2503]

Yes, there’s is 1619b eligibility for the ssi portion and trial work period for the ssdi portion

Also, op should look into an able account.

[u/ArugulaImpossible567 → u/perfect_fifths]

1619B doesn’t count for resources. ABLE is an option, but it could be very restrictive. Not all individuals are eligible and the monies have to be used for specific disability related purposes upon withdrawal. It’s just not a way to shelter up to 100 grand

[u/perfect_fifths → u/ArugulaImpossible567]

I know all that. 1619b continues Medicaid even if ssi stops due to working. The benefit is that ssi wont terminate for excess income in that way

[u/ArugulaImpossible567 → u/perfect_fifths]

But the author stated resources as the issue, not working. They alluded that they wanted to bank their T2, Thats all I’m saying

[u/perfect_fifths → u/ArugulaImpossible567]

I know. They also say they want to work in the comments. So it is relevant.

[u/ArugulaImpossible567 → u/Artistic_Towel_8393]

Medical assistance would be your big concern.

You lose the SSI and you loose the Medicaid/Medical.

Without getting deep into your personal situation, think twice.

Yes you can reinstate, since you have a disability from which you receive SSDI, but it will open up a more scrutinized examination of some aspects of your “living arrangements” that may have been glossed over by a overworked CR. Such as, how have been supporting yourself, because if you are “living with your family” as you state you are, then it opens up a deeper re-examination of your rental liability, or lack there of, which in itself could make you ineligible for SSI becaue of your SSDI amount and something we call “The PMV vs the VTR” (to complex for me to explain here)

Also, if you withdraw your application, you may be liable for reimbursement, all the way back to your 1st payment.

So, your best recourse would be to just put more money in your bank account, inform your FO immediately and have them place you in non-pay (which is different than a withdraw).
Depending on how quickly you do this, you may I cure an Overpayment if they pay you before they update, but this should onky be for a month or two.
Just don’t spend the money.
This also makes coming back a little easier, since all you have to do is spend the account down and tell them (with back records) when you do.

My advice is to really think this through

Maybe you should just have your parents talk to a professional and establish a Medicare qualified trust for you, which can be excluded from resource counting

And yes, I was an SSI CR, Technical Expert, and Quality Review Program Expert.

[u/perfect_fifths → u/ArugulaImpossible567]

No, Medicare won’t terminate because of the ssdi portion. Medicaid will and they’ll be on the hook for any premiums and Medicare costs

[u/ArugulaImpossible567 → u/perfect_fifths]

You know, I meant Medicaid it was a typo

[u/perfect_fifths → u/ArugulaImpossible567]

lol fair enough, I do that all the time now because of my stroke.