Dovetailing Disabled Adult Kid Advantages with Supplemental Security Income Benefits

By | October 29, 2019

A short window exists for a special needs kid who is near age 18 to get approved for SSI by satisfying the definition of impairment. There is a difference between SSI and DAC benefits. It is necessary to seek advice from a lawyer who has know-how in both public advantages and special requirements planning as both advantage rates and qualifications can and do change.

The unique needs kid is near age 18 and has been not able to for qualify SSI because the moms and dads’ income/assets are “deemed” or attributed to the child during the kid’s minority. A brief window exists to get approved for SSI by meeting the SSA’s meaning of special needs and to establish such special needs for functions of later certifying for DAC (Handicapped Adult Kid) advantages, which are more considerable and not needs-based. The time consider getting approved for DAC is demonstrating that the kid satisfied the SSA definition of “impairment” before age 22, although application for DAC can happen at a later date. It just ends up being more difficult to show that eligibility prior to age 22 the older the kid ends up being and the further far from age 22.
Let’s clarify the distinction between SSI and DAC benefits. What they share is their meaning of impairment. SSI, unlike DAC, assumes that the child does not receive another impairment advantage,– DAC or Social Security Special Needs Insurance coverage (the latter of which is based upon the kid’s own insured status not that of a parent)– or that such advantage is less than the federal maximum advantage rate which is$698 in 2012.

There is a 5-month removal or waiting duration before a child can certify for the DAC advantage, throughout which time if the SSA identifies that the kid gotten approved for SSI they would qualify for Medicaid. It is essential to note that the child would also need to satisfy SSI’s monetary eligibility requirements. Eligibility for at least $1 of SSI unconditionally and automatically qualifies the kid for Medicaid medical benefits.
Upon qualifying for DAC benefits, the child generally is no longer gotten approved for SSI advantages due to the quantity of the new DAC benefit. They will never ever receive SSI advantages once again given that after the very first $20 of DAC advantages, SSI is lowered dollar for dollar. Furthermore, the kid will be eligible to register in Medicare 24 months following the award of DAC (or SSDI).

If the child was initially qualified for SSI advantages, they must be able to stay qualified for Medicaid coverage. There is a Medicaid program that exempts the DAC benefits from its earnings eligibility requirements, if the individual had actually formerly been eligible for SSI advantages AND such advantages were terminated due to the amount of the DAC benefits.
Typically, when SSI benefits are terminated and Medicaid is alerted, it will send a notification concerning reapplication for Medicaid benefits within a particular timeframe. If the timeframe is missed, the application can be started at a later date. When the kid is qualified to enlist in Medicare, then they can keep their Medicaid protection as secondary insurance which will cover the Medicare deductibles and co-pays.

It is necessary to seek advice from with an attorney who has competence in both public benefits and special needs planning as both advantage rates and qualifications can and do alter. Small variations in the circumstances described above might lead to non-qualification or reduced benefits.
This post is not meant to offer legal guidance and just relates to Arizona law. It does rule out the scope of laws in states other than Arizona. Always speak with an attorney for legal suggestions for your particular situation.