Question:
Why SSI monthly payment so low?
2010-05-22 11:05:58 UTC
I receive a letter saying that Im only going to receive 450.00/mo and I don't understand why? I live with my son bc I dont have money to pay my OWN rent and now with 450/mo How Im suppose to pay a rent. I was gonna receive 637 something like that and they are taking 200 and i don't know why.. im just frustrated I don't know how Im going to live whit 450/mo
Eleven answers:
bdancer222
2010-05-22 13:15:09 UTC
If that is a disability claim, SSDI payments are based on your previous income and contributions to social security. SSI is supplemental insurance for people who do not have sufficient work history to qualify for SSDI. SSI is therefore, considerably less than SSDI.



And for the guy who thinks arthritis is treatable, aspirin or similar pain killers might help with minor twinges and some severly damaged joints can be replaced, but arthritis can't always be treated and frequently results in total disability. Just pray you never had to deal with joints in your hands so swollen that you can't even dress yourself!
Pico
2010-05-24 18:45:18 UTC
It's most likely because you live with your son and do not pay rent. I understand you live with him because you cannot afford rent but living situation matters when it comes to how much SSI decides to give you. You are not in the category of a person who is 'living independently' right now so you aren't eligible to receive that higher amount.



I have SSI. At the moment, I live alone with no financial support from anyone. I live in NYC and here, a person in my situation can get $761. Yet SSI is only giving me $536. I asked why they deducted $225 a month from my check when I'm not working and no one is helping me. They explained that if I found another roommate who could pay exactly half my rent and bills that they would RAISE my check amount to $761 month. That did not make any sense to me because it seems like the more you need the money, the less they are going to give you.

They told me my rent was too high and that I obviously could not pay it all with $761 a month. For that reason, they had to assume I was receiving financial support from someone which would mean I was not living independently. So, they deducted $225 from my check. It didn't matter that it's not true and that I'm 2 months behind on rent.



They will most likely give you more money if your son starts charging you for rent and bills to live with him. For example, if he rents a 2 bedroom apartment for $1000 and starts charging you $500/month plus bills, they would probably raise your check to around $637 (or whatever it should be). The catch is that he has to charge you an appropriate amount. He can't get away with charging you $1 a month or something. They do ask if people live with family for that reason. I'm not sure how it would work if he owns his own home. He'd have to find out what he should be charging if he were to rent out a room.
2016-05-08 04:26:53 UTC
Heather, thank you!!! Yes, there is some terribly bad information here. I don t know why all these people are posting.



EVERYONE PLEASE READ HEATHER S POST. IT IS THE ONLY ONE WITH ACCURATE INFORMATION.



IF YOUR SSI CHECK IS LOW THERE IS USUALLY A SOLUTION.



In this case the solution is simple. All this woman needed to do was start paying her share of the rent, or start renting a room from her son, as well as make sure to pay for all her own food. If she did that and then notified Social Security HER CHECK WOULD EASILY GO UP.



For anyone reading this who is poor and disabled, please don t feel that there is no way to get your full SSI benefits. SSI is $733/month and most people are eligible for the full amount.
?
2016-06-03 13:02:29 UTC
Me too. We applied for SSI, when it was just me on SSDI, and then hubby got sick (which turned into disabled.) We were living on less than $900 a month, so we applied for SSI, when hubby applied for SSDI. When his SSDI was approved, we each got a check - retroactive - for $50 each for the SSI after we didn't need it. (We took it, but could have used it more when we were living on so little.) I asked. The lady said that's what we got for the time when we weren't making enough. Doesn't make sense. It might not be the reason for you, but that's what she told me. You really can ask though. It's not they'll take it away simply because you asked.
?
2010-05-22 11:57:25 UTC
Cannot find anything on the web to confirm that arthritis is untreatable. It is a common condition easily treated by a course of medication. The SSI probably don't regard your claim as 100% genuine. Here in the UK a full 70% of disability claimants have had their benefit suspended following reassessment (fresh medical examination) ordered by the new government



Question #3: What is Social Security's definition of disability?



Don Keck: SSDI and SSI share the same definition of disability. It is the inability to engage in any substantial gainful activity by reason of any medically determinable physical or mental impairment(s) which can be expected to result in death or which has lasted or can be expected to last for a period of not less than 12 months. We work within the Social Security guidelines to ensure that all the necessary information is gathered and presented in the best possible way to the Social Security Administration.





Question #4: Is it difficult to get SSDI benefits?



Don Keck: Yes. SSA denies about 60 percent of the people filing initial applications. That is why we have over 350 SSDI experts on staff, including many former Social Security employees. They know the system, they know the process, and this is all they do. We have managed to reach a 97% award rate with our claimants, and turn a very difficult process into something much more user-friendly for those we advocate for.
Genuine Guidance
2010-05-22 21:05:20 UTC
Have you tried applying for subsidized housing or Section 8? You would probably qualify and that would at least get you a place of your own.



You can also consult an attorney who specializes in SSI claims. Most will not charge if they do not collect for you.
o_chamberlain
2015-08-23 14:45:35 UTC
the best answer is because not only the Government takes from the social security fund but also they are giving benefits to illegal immigrants because they can't read english or speak english. Then the immigrants are bringing their parents over (in which are over the age 65) and they recieve social security for being over retirement age. So to make up for all that us natural born citizens get the shaft. The ones who actually pay into the funds get that shaft
LadyBastet
2010-05-22 11:10:51 UTC
The payments are low because the government simply does not have the money to pay you more. More people are taking social security than people are paying taxes, so there simply is not enough money to make everyone happy. The social security money is going to run out so sooner or later there will no longer be any money being sent out at all.



I don't know your situation, but if you're capable of using yahoo answers, I think you can look online for a job (either in the workplace or from home) so you wont be dependent on the government. After all, the government can't take care of itself, so how can it take care of people?
?
2010-05-22 11:09:14 UTC
From what I understand, the amount of SSI you receive depends on the age you first begin to draw your benefits. If you take it too early, you're going to get less. This may be the reason why. They may also be taking a portion of your SSI out for Medicare costs.



You should contact the SS office directly and speak with them about the situation to find out for sure.
Heather
2016-01-28 08:36:12 UTC
I know this is old, but all of these answers are wrong. I won't delve into my background qualifications to give you accurate information, just know what I am telling you is very accurate and from professional knowledge. Your benefit was decreased b/c you told them that you live with your son and he pays the rent/bills. It happens all the time to a lot of people who are simply being honest and not realizing what they are saying. In all honesty, I am sure that you are putting your fair share into your son's household. I am sure that you contribute with necessities, utilities, etc. b/c no adult lives anywhere for free. Therefore, you are paying to live with your son. Have your son write a statement to the Soc. Sec. Admin. stating that you contribute whatever amount it is monthly to live in his home. They will then increase your check back to its full amount.

As for everyone else on here giving bad advice... don't. If you don't know what you are talking about then don't attempt to give advice that is incorrect.

SSI and SSDI are two totally different entities. The only similarities are that they are both for people with disabilities.

SSDI or what people refer to as "disability" payments are for people that have worked within a certain time period before the onset of their disability and have paid enough through earnings from working into social security. SSDI payments vary depending on how much the person has contributed through paycheck deductions in their lives. Basically, the more you made, the more you get if you become disabled.

SSI (SUPPLEMENTAL Security Income) are disability payments for people that have never worked OR have not worked enough to have paid in enough to the system to receive SSDI payments, but are still disabled and are not able to work to provide for themselves. It is actually a type of welfare program for disabled Americans that is funded federally to attempt to enable disabled individuals to survive.

But in all honesty... who can survive on $700-800 a month on their own?

And for the haters that want to look down on SSI recipients as tax money moochers or whatever.... my mother is on SSI. She is on SSI bc she was a stay at home mother for 20 years when her husband left. She looked for work for months but was not hired anywhere often b/c she had not worked in 15+ yrs. (she had only worked p/t sporadically b/c her husband insist that she needed to be home and through tantrums if she tried to work) So here she is, abandoned, alone, with 3 children and receiving $330/month in child support. She searched for work consistently, but kept getting sicker and sicker. She put off going to the doctor for a long time, until she got VERY sick. She was diagnosed with early onset osteoporosis at 40 yrs. old. She has several cracked vertebrae from it and also has debilitating arthritis in her SPINE and knees. It is maintained with NSAIDs and pain medications, and she still lives in constant pain and she is 59 yrs old and her bone density is decreasing significantly quickly and this is with meds. Basically, she could simply walk across the room and break her hip... at 59. Then she found out at 52 she had inoperable lung cancer and last year had 1/2 her kidney removed due to a tumor.

She was blessed enough to have a family house sold to her for cheap after my stepdad was gone which she in turn sold for profit and bought her new house with a very low mortgage, which is the only way she is able to live off of her income. She did not have a car for years b/c she couldn't afford one until I gave her my old car recently. She wants to work, but she honestly can't. She is a true story of riches to rags due to it too.

So to the know-it-all Sir Jam, who got his MD on the internet, unless you have lived with severe arthritis or seen a loved one try to cope and live with it... don't assume you know what you are talking about b/c you read it on the internet. It is not treatable, it is only maintainable. I have it in my shoulder and hand. I work. I take NSAIDs orally and topically for it and I deal with the pain, but when it gets to the level that some people have it is not bearable most days.

Sorry for the long personal story, but I hope this helps some...
2014-09-22 13:27:20 UTC
BECAUSE SSI ARE FULL OF ****! I HAD $731 THEN I GOT $413 I ASKED THEM WHY U TOOK MY DAMN HUNDREDS DOLLARS??THEY SAID "OVERTIME" I WAS LIKE WHAT A BULLSHITCAUSE I NEVER HAD A JOBS IN MY LIFE! Goverments work dirty AS ****!


This content was originally posted on Y! Answers, a Q&A website that shut down in 2021.
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