October 26, 2021

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by: admin

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Tags: Autism, Benefits, FAQ, Government, Magazine, Parenting

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Categories: Special Needs Parenting

Authorities Advantages – FAQ – Autism Parenting Journal

An attempt to answer parents’ ongoing questions about state benefits for their children in the spectrum.

An attempt to answer parents' ongoing questions about state benefits for their children in the spectrum.

“State services” is such a broad term. These benefits can vary from individual to individual, but some are universal to most people with intellectual and developmental disabilities.

Supplemental Security Income (SSI) and Medicaid are two of these benefits. These benefits require the individual to have very little net worth and income to qualify, but they are the gateway to many services and options.

SSI provides monthly income, and Medicaid provides health care and many long-term support and services that enable people with special needs to live and thrive in the community!

Most people are not eligible for SSI and Medicaid until they are 18 years old. The reason for this is that Social Security and Medicaid are due before the 18th. However, once the person turns 18 they are considered to be of legal age and therefore parents’ finances are no longer taken into account when applying for SSI and Medicaid.

This is why it is so important to have a clear understanding of the necessary financial structure that must be in place to ensure that your loved ones are entitled to these benefits at all times.

How can my child get the maximum amount of SSI?

For so many people with a disability, the age of 18 is crucial. At the age of 18, your child will grow up in the world of government benefits. This means that only their income and assets will be considered by Social Security when they apply for SSI.

As long as you have no custody accounts (UTMA, UGMA), no savings or current accounts, no Roth IRA, no investment accounts, no naming – then you qualify from a financial point of view. That said, if they have a qualifying disability they can be admitted for SSI. SSI (Supplemental Security Income) is a monthly income.

If the person lives with their parents or guardian after they are approved for SSI, they will receive two-thirds of the maximum amount. To be eligible for maximum SSI benefit, the parent or guardian must bill their loved one for rent (or part of the expenses).

Collecting rent requires additional paperwork and social security interviews after your loved one is first approved. It may take some extra effort and time, but it will be well worth it !!

If my adult child with a disability has a job, where can they save money that they do not exclude from benefits?

I’ve got so many parents who called me so excited that their child works part time and is eligible to save money at 401 (k) company. I immediately flinch knowing this account will jeopardize its government benefits and services in the near future. 401 (k) s, such as checking, savings, investment and many other types of accounts, will count towards your loved one when calculating the asset resource limit for qualifying to retain his / her benefits.

The only account your child can securely store their money on is an ABLE account. The value within an ABLE account does not count towards the resource limit to receive government benefits. This means your child can continue to save money in an ABLE account and not have to worry about the accumulated value (until they reach $ 100,000). Your child’s state benefits will not be affected.

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What are Medicaid Waiver Programs?

Medicaid waiver programs offer services that enable individuals to live in the community rather than being forced to live in an institution. The exemptions are state-specific and allow states to provide services to a specific group of individuals, specific geographic locations, selected service providers, and services to individuals who otherwise may not be covered by existing Medicaid rules. This means that children under the age of 18 who live with their parents can qualify for benefits through a waiver program in their state.

Each state can have multiple Medicaid Waiver programs that serve different purposes. There are some waiver programs that can have a long waiting list before your loved ones are approved for services, but please don’t let that put you off. These waivers provide services such as the following: help with finding suitable housing, assistance with finding a job, connection with day programs or volunteering, provision of assistive technology, and even provision of care services (including discharge).

This article was published in Issue 123 – Autism in Girls. presented

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