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Went over SSI limit... Spend lots now?

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    Went over SSI limit... Spend lots now?

    I have been recieving SSI for about 5 years. I got my first followup call the other day. Now they send me a form wanting my bank statements and said it will stop, because I am a few thousand over the limit ($2000). I did not know there was a limit. I am in school and don't work.

    But it so happens my house needs a major repair. Would it look bad if I up and spent 2-3k at once?


    I feel so stupid for getting too much money. I was just keeping extra incase of "emergncy" situations. But, I did not know you could only have $2000.


    I am getting really nervous now. Searching I see "penalties" for over payments. I have had over the limit for a while. My main cause for this was incase I lost my finicial aid. I did not want to be stuck with borrowing money.

    My home really does need a repair. I am not saying that I will just spend the money.

    I don't even remeber signing up for SSI. Much less going over the limits and rules.
    Last edited by Human; 18 Mar 2009, 12:28 AM. Reason: getting nervous

    #2
    You should have know about the $2000 asset limit. It is very clear when you apply for SSI and/or Medicaid. It has been in place for many years. Spending the money, regardless of what you use it for, to try to "hide" it may be considered fraud by Social Security. It is likely you will loose your SSI and may have to pay a fine as well. Suggest you seek legal representation ASAP.

    In the future, if you get back on SSI, you should look into a PASS program to designate funds specifically for your disability needs (such as a van or accessible home modifications). This has to be approved in advance and cannot be set up after you accumulate the funds.

    (KLD)
    The SCI-Nurses are advanced practice nurses specializing in SCI/D care. They are available to answer questions, provide education, and make suggestions which you should always discuss with your physician/primary health care provider before implementing. Medical diagnosis is not provided, nor do the SCI-Nurses provide nursing or medical care through their responses on the CareCure forums.

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      #3
      When this happened to me I had to send back the SSI payment for the month(s) that I was over the limit. Once I spent the money and showed them my bank statement, SSI restarted. My advice would be to spend it below the limit and do not go back over the limit (unless you put cash in a safe or something) and give them a call to work it out!
      Andrew

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        #4
        Little update. After posting on here, I contacted the social secuirty office. I explained the situation and the woman told me to go ahead and pay some of my bills. She then told me to get the paper filled out for my bankstatments. I did that, then recieved another letter from the office. It said that I had been overpaid last months ago (did not get paid this month). So I paid them back (gave them a check). They have not taken it out yet, but I guess I will see what happens. This is about what soulscream said happened it him.


        I don't have any idea why I don't remeber discussing the limit. I know being stupid is not a reason. This was my first time to be contacted. I have been receiving benifits for around 8 years too.

        Comment


          #5
          I once paid a lot of money back and let them withhold checks, and then I read up a little, spoke to some people who had gone through the same thing I had just gone through and found a way around it.

          You can always go to your SSA office and ask for an appeal then ask for a “waiver”, they will ask why do you need a waiver, just answer them by saying “I am broke and need the money”. Or you can say that it is “not your fault”. I do not suggest that one, just because of the way it sounds.

          I would also call your local Independent Living Center to confirm what I just suggested.

          Trust me you will receive and keep the money.
          Dave H

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            #6
            More update. Went to pharmacy today and was told medicaid was not paying for both refills. I have been getting one type of the meds for 3+ years. The other only about 8 months.

            Could this be because of my over limit?

            Comment


              #7
              If you lose SSI, you lose Medicaid. Many folks worry more about losing their Medicaid benefit than their SSI because it can potentially be far more valuable. If you appeal though and get your SSI reinstated, you can get Medicaid back retroactively.

              Comment


                #8
                Originally posted by dunwawry View Post
                If you lose SSI, you lose Medicaid. Many folks worry more about losing their Medicaid benefit than their SSI because it can potentially be far more valuable. If you appeal though and get your SSI reinstated, you can get Medicaid back retroactively.
                It is going to cost $50 for a refill to last a month. I only have $100....
                I still have not heard anything from the SSI people. I can't create a password to check my status online either.

                oh yea. I did get the $250 stimulus money last month too.
                Last edited by Human; 31 May 2009, 9:37 PM.

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                  #9
                  I know I've been over the limit at least once, but I did not get dinged. If you have more money coming in which puts you way over the $2000 limit, I think you should look at the NTAF. If you have an SCI you qualify for this 501(c) charity, but it's not a given that you will be accepted.
                  The test of success is not what you do when you are on top. Success is how high you bounce when you hit the bottom
                  --General George Patton

                  Complex problems need to be solved collectively.
                  ––Paul Nussbaum
                  usc87.blogspot.com

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                    #10
                    Update again. I kept calling the local office and could not get a return call. So I went over to the office and talked to them. They said I should recieve payments starting in about a week.

                    Now for the bad news. Last month (3 days after I learned I lost Medicaid) I was in a pretty bad car accident. I am on insurance, but the bill is like $40k before insurance. I know insurance won't pay everything, so I will probably be stuck with a huge freakin bill. Unless, medicaid will pay back for that???

                    edit: My checking account says pending for an amount that equals about 3 months of ssi. Maybe this is some type of back pay?? I also received a letter from medicaid today saying that I am back on it and will be covered for the last two months (atleast what I am reading). So I will only owe around $100 in bills.
                    Last edited by Human; 2 Jul 2009, 7:19 PM.

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                      #11
                      The amount was $449x4.

                      The most I can receive is like 673. However, the newest letter said I get $673-224 for living with somebody supplying all my food and shelter (freeloading). I was going to call them and tell them that I buy my food and pay some of the bills. But, at the middle of last month I got the $224 put into my account. So, I got confused. Then I got $449 this month. So, I thought maybe the 224 was a one time thing. Anyways, I start paying bills this morning and see they put 224 in again. This put me so close to my limit it is not even funny.

                      Does anyone know what is going on?

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                        #12
                        omg. Just got 2 letters from SS office. One said that I am no longer getting free food so that is where the additional 224 is coming from.

                        Now for the bad part. The other letter said I was overpaid more than $9k WTH are these people doing. Why was I over paid $1k earlier this year and now they say $9k+ after they started my ssi back. There is no way I can ever pay that back. I have so much stuff I need to purchase.

                        Comment


                          #13
                          It's happened to me in the past

                          Need to watch that budget if you know what I mean....
                          Lynarrd Skynyrd Lives

                          Comment


                            #14
                            I hope someone may be able to tell me things are not as bad as they seem!
                            I have been freaking out for almost a month now (Since Jan 8th) and I need sleep! My son gets SSI for autism and I am also getting it for a herniated discs. We need the money and the medical!
                            My son just turned 18 and had to go for his redetermination. This is how I found out- discovered we have been over the $2000 limit for over 2 years! I thought the limit was $2000 EACH we had $3300 in the bank and I had a life insurance policy worth $1000. I am only over about $2000 total. Geez $2000 for 2 people is NOTHING in 2013! That is one car repair! They haven't cut us off yet or even sent a letter but I KNOW its coming. I'm scared to death to the point of getting myself sick. I don't know what to do! I called legal aid but no return call yet. I tried to use the money before this month. But the life insurance I have to borrow/cancel and the re-determination women told me not to touch it. It will cancel out as I am paying the bill. I didnt have a clue!
                            Anyone been in this type of situation? Have any helpful tips for me?
                            I've never been so scared in my life! If I could work I would! And having my son to care for....
                            I just found this site...hope I am posting right.

                            Comment


                              #15
                              Originally posted by SCI-Nurse View Post
                              You should have know about the $2000 asset limit. It is very clear when you apply for SSI and/or Medicaid. It has been in place for many years. Spending the money, regardless of what you use it for, to try to "hide" it may be considered fraud by Social Security. It is likely you will loose your SSI and may have to pay a fine as well. Suggest you seek legal representation ASAP.

                              In the future, if you get back on SSI, you should look into a PASS program to designate funds specifically for your disability needs (such as a van or accessible home modifications). This has to be approved in advance and cannot be set up after you accumulate the funds.

                              (KLD)

                              I work at a field office. you are giving incorrect information. When we discover an overpayment we encourage beneficiaries to spend it down in any way they can in order to restart payments. We are also obliged to inform them of their appeal rights in the form of a "waiver". This happens every day in my office, its standard procedure to suggest they spend it down. Perhaps you are talking about selling assets for less than they are worth? Please don't give information out just to scare people. I've worked for SSA for years and even I think the rules are harsh and demeaning, especially when the resource limit has only been increased once since 1972. In 1989 it went from 1,500 to 2,000. In reality resource limits have never been adjusted for inflation since 1972. It is estimated that for a single individual it should be about 8,000.00. Just look at the average rent and utility prices for 1972 and 89 to see how ridiculous this rule is. Even the US Senate has put forth measures to raise the limit but in the end the wealthy win. As a matter of fact I know personally that Social Security funds are being stolen by finance capitalist billionaires and the State (government) and either used for their own wealth, to fund the military and/or put in off shore accounts. Who is the criminal now?

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