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  • Social security income and a house...

    Okay, I have been living in public Housing for 6 years. Pretty geddo fabulous, but not a place to raise kids. When I moved here, I was pretty broke. I am eligible because of my SCI. Not everybody can just rent a unit in housing. Well, about 2 years in, I won a settlement for my injury. A large settlement... My lawyers told me the initial lump sum is NOT considered income. Most people would have left right fast after that, but I like it here. No one ever asked about my income (I kept the lawsuit very quiet for obvious reasons), just a W2 form at the end of the year. We settled with Medicaid, since they paid a lot of my bills when I was first injured. No biggie there.
    Here's where it gets tricky. Presently, I am not working. SO, there are no red flags down here in the PJ's. I get Social Security Disability every month. I probably should not get this, BUT it makes me eligible to live here AND Medicare deducts its premium from my monthly check-- it's about $54 a month for Medicare. That's fine and believe me, I live pretty simple down here.
    I am now building a house and it is almost done. I still want Medicare and I could probably still get my Social Security $$$ because they have never said anything. They figure that I am not working and just make that monthly income. Should I go into the SS office and say I don't want that monthly check anymore, but I will pay for Medicare? Should I keep getting that $800/month direct deposit? ANy ideas on how to handle this transition would be cool. I only kept getting that monthly money to be eligible for public housing. Now that I have a house (almost), I really just want to have Medicare. Of course, I don't want to set off a huge investigation into my monies. They are buried fairly well. Suggestions? Thanks!



    My phat site (Not SCI related)

  • #2
    Should I keep getting that $800/month direct deposit? ANy ideas on how to handle this transition would be cool. I only kept getting that monthly money to be eligible for public housing. Now that I have a house (almost), I really just want to have Medicare.
    If you're on SSDI, you can keep collecting your check if you're not working. If you don't want it anymore, you can still keep your medicare by just payin the premium.

    I'd keep your $800.00 monthly check if it's SSDI, ya never know what's gonna happen in the future, and 800 bucks a month is 800 bucks a month, no matter how big your settlement.

    Might sound selfish, but you paid into the system, and it looks like it won't be paying as much in the future as planned due to the current political environment.

    Good luck in your new house, make it sweet so life is easier for ya [img]/forum/images/smilies/smile.gif[/img]

    "I believe this is America. Whatever happened to 'I don't agree with you, but I'll defend to the death your right to say it'?""
    ~Judge Shirley Rowe Trkula

    -peace
    Please donate a dollar a day at http://justadollarplease.org.
    Copy and paste this message to the bottom of your signature.

    Thanks!

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    • #3
      Originally posted by rdf:

      Should I keep getting that $800/month direct deposit? ANy ideas on how to handle this transition would be cool. I only kept getting that monthly money to be eligible for public housing. Now that I have a house (almost), I really just want to have Medicare.
      If you're on SSDI, you can keep collecting your check if you're not working. If you don't want it anymore, you can still keep your medicare by just payin the premium.

      I'd keep your $800.00 monthly check if it's SSDI, ya never know what's gonna happen in the future, and 800 bucks a month is 800 bucks a month, no matter how big your settlement.

      Might sound selfish, but you paid into the system, and it looks like it won't be paying as much in the future as planned due to the current political environment.

      Good luck in your new house, make it sweet so life is easier for ya [img]/forum/images/smilies/smile.gif[/img]

      "I believe this is America. Whatever happened to 'I don't agree with you, but I'll defend to the death your right to say it'?""
      ~Judge Shirley Rowe Trkula

      -peace
      I hear that. Not to be all cocky, but I was working 2 jobs and going to school at the time. My accident was being robbed and shot. I'm not in a gang or anything like that. Totally random. I kinda feel I paid my dues, but I would much rather be working! Hopefully, some day I will again. "That's what it's for..." is what people tell me about Medicare and SS income. It's a lot easier to tell people I draw SS than to skirt the issue of a settlement. Some members in my family do NOT know of the settlement, and you can't tell by how I live.
      I honestly wish I knew if it was SSI or SSDI, but I don't. Every so often they send an evaluation letter to make sure I'm still "ongoing and permanent" with my disability. That might help some of you tell whether I get SSI or SSDI. Since it is direct deposited, no one would really know I moved unless I notify them directly of change of address. I'm not trying to scam the gov't., but I could go through my monies QUICKLY if it weren't for Medicare. I dunno...



      Building a house; check it out

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      • #4
        you know, your lawyer shoulda told you this. SSDI is not affected by your settlement as it should be money for a loss and also not tax deductible. SSDI is affected by whether you are working or not, and you can still get it if you are working if your work related expenses offset your gainful work activity.

        also, if you are on SSDI, your children are entitled to half your benefit. this is only retroactive from the time you notified SSA.

        ssi is a whole different story. it is basically welfare.

        if you worked for a number of yrs, you get SSDI. find out which you are on. frankly, 800/month sounds like SSI. plus the fact you have been in section 8 housing and did not mention your kids getting a benefit. my SSDI is quite a bit more than that, but that all depends on yrs worked and your salary.

        also, on SSI, you are allowed a house and a vehicle, but only if you have no more than $2k (?) in bank.

        i am in very similar situation to yours, but am eligible for SSDI. you really need to find out what you're getting. a simple inquiry to SSA would suffice.

        [This message was edited by cass on 08-31-04 at 02:52 AM.]

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        • #5
          If your getting MediCARE then it's probably SSDI. If you are on MediCAID then it's probably SSI. If it's SSDI, I don't think you have much to worry about, if it's SSI you do.

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          • #6
            If your individual check is for $800 a month, you are receiving SSDI. As Kimmy suggested, Medicare comes with SSDI, and Medicaid comes with SSI, which is a financial needs, welfare program. The SSDI is yours, just like a disability insurance policy would be yours. Your settlement doesn not impact SSDI. Similarly, the Medicare is yours, because you paid premiums for it while you were working. There should be no transition. Enjoy your new home.

            Comment


            • #7
              Originally posted by rdf:

              I'd keep your $800.00 monthly check if it's SSDI, ya never know what's gonna happen in the future, and 800 bucks a month is 800 bucks a month, no matter how big your settlement.

              Might sound selfish, but you paid into the system, and it looks like it won't be paying as much in the future as planned due to the current political environment.

              Good luck in your new house, make it sweet so life is easier for ya [img]/forum/images/smilies/smile.gif[/img]
              LOL, posting on a disability message board your screwing the system is prolly the first mistake. (not that your screwing Uncle Sam "intentionally" right?)

              Secondly, if you keep receiving your $800 SS money, and have made no "trust" fund with that new settlement money you have "tucked away" and its in your name, you better think twice. It may come back to haunt you many years later. You will be caught eventually.

              RDF, do you think you are "owed" something, because you are "disabled"? It certainly sounds like it.

              I honestly wish I knew if it was SSI or SSDI, but I don't. Every so often they send an evaluation letter to make sure I'm still "ongoing and permanent" with my disability. That might help some of you tell whether I get SSI or SSDI. Since it is direct deposited, no one would really know I moved unless I notify them directly of change of address.
              You need to find out what kind of governmental monies you receive. Secondly, the government knows exactly where you are, regardless if you move or not. Esp, when you build that "sweet" house of yours.

              Good luck. [img]/forum/images/smilies/wink.gif[/img]

              TAKE YOUR HANDS OFF MY MOJO

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              • #8
                Originally posted by Lizbv:



                Secondly, if you keep receiving your $800 SS money, and have made no "trust" fund with that new settlement money you have "tucked away" and its in your name, you better think twice. It may come back to haunt you many years later. You will be caught eventually.

                Secondly, the government knows exactly where you are, regardless if you move or not. Esp, when you build that "sweet" house of yours.
                liz, if the checks are SSDI, this individual can have all the money in the world and still be entitled to SSDI. SSDI is not affected by how much money you have.

                Comment


                • #9
                  Call your SS Office and ask them what kind of check you are drawing. Wheither its SSI or SSDI. SSDI comes from your retirement fund you can draw that and Medicare for the rest of your life unless you go to work and make too much money a month. Then they will take it out of your check. It won't affect your Medicare at all.

                  Comment


                  • #10
                    Originally posted by cass:

                    liz, if the checks are SSDI, this individual can have all the money in the world and still be entitled to SSDI. SSDI is not affected by how much money you have.
                    To all: Sorry if I may come across as "somewhat harsh" but really, this issue can haunt you years later.
                    True Cass, here's my thought (which may not be correct). Yes an individual may be "entitled" to SSDI, but it doesn't mean that individual will actually get it (check) due to various circumstantial reasons set forth in the law after a judgement is made. Of course, one can always appeal the system, but nothing in Gov't occurs in a very timely fashion .

                    TAKE YOUR HANDS OFF MY MOJO

                    Comment


                    • #11
                      Great responses! I think I learned more here than I have in years of asking caseworkers, lawyers, friends, etc. Let me clarify some things now...

                      It must be SSDI. When I started receiving the monthly payment ($700), Medicaid hit me with a spenddown of like $500!! Wow. I was living with my mom at that time-- no rent. I got a job and they said I could earn as much as I want for 9 months, then the formula kicked in and I basically made too much to even get a check. I even had to repay like 3 months of $$$ because I made so much and got a check. Double dip-- no prob.; I paid it back. I also don't have to report any assets like furniture, cars, bank accounts balances, etc. I heard sometimes you can have like one car and assets worth no more than $2500. They just want to know that I'm fully disabled.

                      The kids I mentioned are my GF's from her mariage. They are not mine. We are building a house, but not getting married just yet.

                      I earn interest off the settlement $$$. Last year, I paid like $35,000 in taxes. I have NO problem with that at all. I guess it is interest income, but I'm unsure how that affects everything. It's unlikely I would just let my funds sit in an account and draw NO interest. I hope the gov't. recognizes that. I'm not really worried about the gov't. hunting me down. I pay taxes quarterly (estimated), so the gov't. sees that as me paying them instead of them paying me. I think the gov't. has bigger fish to fry than me. If they figure I've done wrong, I can settle up IF they are correct. I definitely paid into the system before I was injured. If i were working, I would be fine drawing no money. If it was all convenient and I could trust a caseworker I'd be good. But, you just don't stroll in and tell a worker that you are "wealthy". Not at all good. I'm certainly not saying I'm entitled to any of this, but it is much easier to just get it than explain to the bureaucrats that I'm okay without it. Plus, some of the fraud I've seen pulled by institutions and individuals is so sickening and blatant... Holla.



                      Building a house; check it out

                      [This message was edited by offthahook on 09-01-04 at 01:54 AM.]

                      [This message was edited by offthahook on 09-01-04 at 02:05 PM.]

                      Comment


                      • #12
                        quote:
                        --------------------------------------------------------------------------------
                        Originally posted by rdf:

                        I'd keep your $800.00 monthly check if it's SSDI, ya never know what's gonna happen in the future, and 800 bucks a month is 800 bucks a month, no matter how big your settlement.

                        Might sound selfish, but you paid into the system, and it looks like it won't be paying as much in the future as planned due to the current political environment.

                        Good luck in your new house, make it sweet so life is easier for ya

                        --------------------------------------------------------------------------------

                        LOL, posting on a disability message board your screwing the system is prolly the first mistake. (not that your screwing Uncle Sam "intentionally" right?)
                        You'll have to explain yourself a lil better liz. I've worked a steady job since I was 11 years old (when I was first asked to get a SS card), and odd jobs from the age of 5 or 6. I've paid taxes since then, and I'm now 43 in November.

                        I've been paralyzed at T4 for 18 years, and only have collected disability for close to 3 1/2 years during that time. The majority of the time since my disability I've worked my a$$ off, usually two jobs, just to get by.

                        In case you don't work, Liz, when you do go to work, you'll have to look at your pay stub. There you'll see the money being paid into the system I referred to being taken out, each and every week.

                        If I were offThahook, I'd collect the money he paid in. You don't know how much money he won, what he considers large might be small to someone else.
                        Also, having lots of money leads to investments and such, and sometimes is easier to lose than a small amount, and money can be lost just as fast as it is gained.

                        For those reasons, I advised him to keep the money he gets, money he paid in from working, ya know, keep that money in case you'll need it in the future. A future we don't know about, but I remember my gramma telling me about the depression, and it wasn't pretty. She never used a bank after the depression, and many people of her generation realize that the future is not secure, anywhere.

                        Another catastrophic injury, cancer, relative's health problems, raising a family, etc., costs a lot of money, and I see nothing wrong with collecting money you may dearly need in the future...money you paid the government for the specific purpose of retirement or, god forbid, provide for those with disabilities who can't work.

                        RDF, do you think you are "owed" something, because you are "disabled"? It certainly sounds like it.
                        Again, you'll have to explain yourself better. I don't know what you mean by your statement. I don't think any person, entity, or government agency owes me anything. But I'll try to collect what I paid in if I am no longer able to support myself due to my disability.

                        "I believe this is America. Whatever happened to 'I don't agree with you, but I'll defend to the death your right to say it'?""
                        ~Judge Shirley Rowe Trkula

                        -peace
                        Please donate a dollar a day at http://justadollarplease.org.
                        Copy and paste this message to the bottom of your signature.

                        Thanks!

                        Comment


                        • #13
                          off....if youre getting $800/mo it's SSDI. SSI rarely pays more than 400 plus extra for kids but i'd check just in case. If it is SSDI you can make as much off your settlement as long as you're "complete and permanent" disabled. It's your soc sec disability insurance. If you're getting SSI you are required to report any monies you get from work, insurance, settlements, etc. If it is SSI and you keep receiving it w/ your settlement, it's fraud and it's a felony.

                          Better to find out for sure if it's SSDI or SSI.

                          Kap

                          "It's not easy being green"
                          accept no substitutes

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                          • #14
                            When I moved here, I was pretty broke. I am eligible because of my SCI. Not everybody can just rent a unit in housing. Well, about 2 years in, I won a settlement for my injury. A large settlement... My lawyers told me the initial lump sum is NOT considered income. Most people would have left right fast after that, but I like it here. No one ever asked about my income (I kept the lawsuit very quiet for obvious reasons), just a W2 form at the end of the year.
                            Curiosity question ... Don't you have an annual re-certification process for housing management / HUD?

                            How have you avoided being over income / assets/ W2, etc. for subsidized housing?

                            Comment


                            • #15
                              Originally posted by Paul:

                              When I moved here, I was pretty broke. I am eligible because of my SCI. Not everybody can just rent a unit in housing. Well, about 2 years in, I won a settlement for my injury. A large settlement... My lawyers told me the initial lump sum is NOT considered income. Most people would have left right fast after that, but I like it here. No one ever asked about my income (I kept the lawsuit very quiet for obvious reasons), just a W2 form at the end of the year.
                              Curiosity question ... Don't you have an annual re-certification process for housing management / HUD?

                              How have you avoided being over income / assets/ W2, etc. for subsidized housing?
                              Yes I do. All they want is a W2 form. NOT a tax return. They've never asked about assets because who would have a lot of stuff and live in a project? VERY few people! I'm not sure what they count as income per se. I know some veterans monies are exempt as well. Some vets. (retired) do okay and live here. I would still be eligible for housing, I believe, because of physical disability. I would just pay a ceiling rent (maximum) in that case. You all might be surprised what qualifies as a disablitity by HUD standards. Arthritis, former alcoholic, ex thugs, ADD, al kinds of mental illness, etc. I don't have a problem with that, but we have people in HANDICAP units who really don't need them. They are in them because they are bigger units. One guy had a gym in his room and he was in great shape, too! Housing really just cares that you pay the rent on time and are clean. Some people pay like $50 a month; it used to be $25. Trust me, they could work and they will tell you "If i make too much, I'll lose my SS..." You can't tell them they would be making a ton more at a job that the SS wouldn't matter. The mentality is ingrained for some poeple. It's all good though. It's decent enough and they get 30% of my SS every month. I pay on time, too



                              Building a house; check it out

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