Guest guest Posted April 11, 2004 Report Share Posted April 11, 2004 Sara, First I want to let you know you can't get disability for children, that is for adults only, you can get SSI (suplimental security income). We get this for both our children. I don't have the income restrictions, I tried to find that before we applied as well because we had been told by a number of people that we made too much money, yet we were struggling and well still are. We were approved. We only get $115 per child per month, but it is better than nothing. The income requirements are different from state to state, depending on the cost of living in your area which is probably why it is so hard to get a good quote. SSI Question > Hi. > > I've got a couple of questions about possible social security disability. > I'm not sure if any of you get that for your children. I haven't been able > to find anywhere the income restrictions. I know I really just need to go > to our social security office, but I was just wondering if anyone had or has > any experience with social security payments. I'm very afraid that we won't > be able to get it because my husband makes a decent salary (though not > enough, is it ever? ). However, we can't afford to live anywhere close > to his work because housing is so expensive. Even over an hr away, we are > just barely getting by, but I still think that they will say we make too > much. Anyways, my question is " Does anyone know the income restrictions? " > They aren't published anywhere that I have found. I did find that if you > have over 3000$ in assets (besides your physical assets), they won't give > you money. In my mind, that's pretty dumb because they encourage people > with disabled children to not save for retirement. Duh....therefore, > theoretically, they can give us more money when we retire (not that we'll > really get any since that's so far away) because we didn't save for > retirement, so our children could get disability payments. Anyhow...just a > question. Anyone know how all that social security stuff works? I'm > looking into applying for it for Tessa, but like I said, I'm afraid that we > won't qualify. I hope we do, though. Thanks! > > Sara > > _________________________________________________________________ > MSN Toolbar provides one-click access to Hotmail from any Web page - FREE > download! http://toolbar.msn.com/go/onm00200413ave/direct/01/ > > > > All messages posted to this list are private and confidential. Each post is the intellectual property of the author and therefore subject to copyright restrictions. > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted April 11, 2004 Report Share Posted April 11, 2004 Sara, First I want to let you know you can't get disability for children, that is for adults only, you can get SSI (suplimental security income). We get this for both our children. I don't have the income restrictions, I tried to find that before we applied as well because we had been told by a number of people that we made too much money, yet we were struggling and well still are. We were approved. We only get $115 per child per month, but it is better than nothing. The income requirements are different from state to state, depending on the cost of living in your area which is probably why it is so hard to get a good quote. SSI Question > Hi. > > I've got a couple of questions about possible social security disability. > I'm not sure if any of you get that for your children. I haven't been able > to find anywhere the income restrictions. I know I really just need to go > to our social security office, but I was just wondering if anyone had or has > any experience with social security payments. I'm very afraid that we won't > be able to get it because my husband makes a decent salary (though not > enough, is it ever? ). However, we can't afford to live anywhere close > to his work because housing is so expensive. Even over an hr away, we are > just barely getting by, but I still think that they will say we make too > much. Anyways, my question is " Does anyone know the income restrictions? " > They aren't published anywhere that I have found. I did find that if you > have over 3000$ in assets (besides your physical assets), they won't give > you money. In my mind, that's pretty dumb because they encourage people > with disabled children to not save for retirement. Duh....therefore, > theoretically, they can give us more money when we retire (not that we'll > really get any since that's so far away) because we didn't save for > retirement, so our children could get disability payments. Anyhow...just a > question. Anyone know how all that social security stuff works? I'm > looking into applying for it for Tessa, but like I said, I'm afraid that we > won't qualify. I hope we do, though. Thanks! > > Sara > > _________________________________________________________________ > MSN Toolbar provides one-click access to Hotmail from any Web page - FREE > download! http://toolbar.msn.com/go/onm00200413ave/direct/01/ > > > > All messages posted to this list are private and confidential. Each post is the intellectual property of the author and therefore subject to copyright restrictions. > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted April 11, 2004 Report Share Posted April 11, 2004 I don't know who " they " is, but I am at the mid career point and just took a retirement class. A deaf person whose only issue is deafness, should not have to go on SSI as an adult. Although I am concerned about it...the teacher recommended a life insurance policy if I were to die with her as the beneficiary I was never, ever encouraged to NOT save for retirement. In my mind, that's pretty dumb because they encourage people > > with disabled children to not save for retirement. Duh....therefore, > > theoretically, they can give us more money when we retire (not that >we'll > > really get any since that's so far away) _________________________________________________________________ Watch LIVE baseball games on your computer with MLB.TV, included with MSN Premium! http://join.msn.com/?page=features/mlb & pgmarket=en-us/go/onm00200439ave/direct/0\ 1/ Quote Link to comment Share on other sites More sharing options...
Guest guest Posted April 11, 2004 Report Share Posted April 11, 2004 I don't know who " they " is, but I am at the mid career point and just took a retirement class. A deaf person whose only issue is deafness, should not have to go on SSI as an adult. Although I am concerned about it...the teacher recommended a life insurance policy if I were to die with her as the beneficiary I was never, ever encouraged to NOT save for retirement. In my mind, that's pretty dumb because they encourage people > > with disabled children to not save for retirement. Duh....therefore, > > theoretically, they can give us more money when we retire (not that >we'll > > really get any since that's so far away) _________________________________________________________________ Watch LIVE baseball games on your computer with MLB.TV, included with MSN Premium! http://join.msn.com/?page=features/mlb & pgmarket=en-us/go/onm00200439ave/direct/0\ 1/ Quote Link to comment Share on other sites More sharing options...
Guest guest Posted April 12, 2004 Report Share Posted April 12, 2004 Yes, we do get SSI for Annika. I know you are allowed one vehicle and your home. And then you cannot own more than $3000 in assets. I can't remember if income guidelines are based on family size. For some reason I don't think so. Anyway it just changed the beginning of this year and I want to say that you can't make more than $4000 gross income per month. We use it because otherwise we would really have a hard time getting by but for the most part I have found it to be a pain. In months where we have more than 4 pay periods we don't get a check but then they never take in effect the months that you are short. Only once a year they will audit you and find out if they paid you correctly. And this has usually hurt us more than benefited us because right now we just were audited and we owe them a little over $100 in overpayments. The nice part is that as long as you still are currently receiving SSI they will take back the overpayment in your future checks. They can only take a portion so it does take time to pay them back. I could always send them a check but since we are getting SSI to make ends meet there isn't the extra to send back. Hopefully now that I cut back my hours we will qualify for more benefits(I took about at least $100 pay per pay period(biweekly) but I feel that I cannot count on this at all. I had to cut back hours to spend time with Annika for her therapies now with the CI. And of course the first month that we were eligible for the difference because job change it is a long month and we don't qualify because we have too many pay periods this month. I am trying to contact her worker to get things set up though and she hardly ever returns my phone calls. I know when we were checking things out I called the 800 number and they took some basic information to see if we would even qualify and then they set up an appointment for us. I did our interview over the phone because I didn't want to take the time to drive the hour to the Social Security office. SSI Question > Hi. > > I've got a couple of questions about possible social security disability. > I'm not sure if any of you get that for your children. I haven't been able > to find anywhere the income restrictions. I know I really just need to go > to our social security office, but I was just wondering if anyone had or has > any experience with social security payments. I'm very afraid that we won't > be able to get it because my husband makes a decent salary (though not > enough, is it ever? ). However, we can't afford to live anywhere close > to his work because housing is so expensive. Even over an hr away, we are > just barely getting by, but I still think that they will say we make too > much. Anyways, my question is " Does anyone know the income restrictions? " > They aren't published anywhere that I have found. I did find that if you > have over 3000$ in assets (besides your physical assets), they won't give > you money. In my mind, that's pretty dumb because they encourage people > with disabled children to not save for retirement. Duh....therefore, > theoretically, they can give us more money when we retire (not that we'll > really get any since that's so far away) because we didn't save for > retirement, so our children could get disability payments. Anyhow...just a > question. Anyone know how all that social security stuff works? I'm > looking into applying for it for Tessa, but like I said, I'm afraid that we > won't qualify. I hope we do, though. Thanks! > > Sara > > _________________________________________________________________ > MSN Toolbar provides one-click access to Hotmail from any Web page - FREE > download! http://toolbar.msn.com/go/onm00200413ave/direct/01/ > > > > All messages posted to this list are private and confidential. Each post is the intellectual property of the author and therefore subject to copyright restrictions. > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted April 12, 2004 Report Share Posted April 12, 2004 They don't consider a deaf person for SSI insurance unless there are other issues going on. Believe it or not the requirements for SSI are very strict. Both my children have it, but both of them are considered severely delayed. I agree that deaf/Deaf people should absolutely and can live normal happy lives and are able to save like anyone else. The one thing I think they could use assistance for is insurance that covers the supplies that cost thousands of dollars that many parents and deaf/Deaf people just can't afford. That is what I am so happy about recieving SSI bennifits about, now we can buy all sorts of stuff. Re: SSI Question I don't know who " they " is, but I am at the mid career point and just took a retirement class. A deaf person whose only issue is deafness, should not have to go on SSI as an adult. Although I am concerned about it...the teacher recommended a life insurance policy if I were to die with her as the beneficiary I was never, ever encouraged to NOT save for retirement. In my mind, that's pretty dumb because they encourage people > > with disabled children to not save for retirement. Duh....therefore, > > theoretically, they can give us more money when we retire (not that >we'll > > really get any since that's so far away) _________________________________________________________________ Watch LIVE baseball games on your computer with MLB.TV, included with MSN Premium! http://join.msn.com/?page=features/mlb & pgmarket=en-us/go/onm00200439ave/direct/0\ 1/ All messages posted to this list are private and confidential. Each post is the intellectual property of the author and therefore subject to copyright restrictions. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted April 12, 2004 Report Share Posted April 12, 2004 They don't consider a deaf person for SSI insurance unless there are other issues going on. Believe it or not the requirements for SSI are very strict. Both my children have it, but both of them are considered severely delayed. I agree that deaf/Deaf people should absolutely and can live normal happy lives and are able to save like anyone else. The one thing I think they could use assistance for is insurance that covers the supplies that cost thousands of dollars that many parents and deaf/Deaf people just can't afford. That is what I am so happy about recieving SSI bennifits about, now we can buy all sorts of stuff. Re: SSI Question I don't know who " they " is, but I am at the mid career point and just took a retirement class. A deaf person whose only issue is deafness, should not have to go on SSI as an adult. Although I am concerned about it...the teacher recommended a life insurance policy if I were to die with her as the beneficiary I was never, ever encouraged to NOT save for retirement. In my mind, that's pretty dumb because they encourage people > > with disabled children to not save for retirement. Duh....therefore, > > theoretically, they can give us more money when we retire (not that >we'll > > really get any since that's so far away) _________________________________________________________________ Watch LIVE baseball games on your computer with MLB.TV, included with MSN Premium! http://join.msn.com/?page=features/mlb & pgmarket=en-us/go/onm00200439ave/direct/0\ 1/ All messages posted to this list are private and confidential. Each post is the intellectual property of the author and therefore subject to copyright restrictions. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted April 12, 2004 Report Share Posted April 12, 2004 , Sorry my message was confusing. What I was trying to say is that since we have IRA's, we might not be considered to get SSI for Tessa because we have over a certain amount in assets (3000$, I think). If we weren't saving for retirement, we'd be more likely to get SSI for Tessa because we wouldn't have much in assets. So, it's somewhat of a Catch-22 in my eyes. Social Security pays people when they get old and retire. So, since we are saving for retirement, they won't have to pay us as much (really, though, we won't be getting anything because of how far away our retirement is...the system will be gone by then). But, since we are saving for retirement, they won't give us money for Tessa. So, theoretically, one might think " Hey if I don't save for retirement and have all these assets, I can get money from the government. " It just seems like an encouragement for people not to save money. Not sure if that made it any more clear or not. I wasn't talking about deaf adults...I was talking about the money that we could receive from SSI for Tessa because she is a hearing impaired child. Sorry I confused you. Sara _________________________________________________________________ FREE pop-up blocking with the new MSN Toolbar – get it now! http://toolbar.msn.com/go/onm00200415ave/direct/01/ Quote Link to comment Share on other sites More sharing options...
Guest guest Posted April 12, 2004 Report Share Posted April 12, 2004 , Sorry my message was confusing. What I was trying to say is that since we have IRA's, we might not be considered to get SSI for Tessa because we have over a certain amount in assets (3000$, I think). If we weren't saving for retirement, we'd be more likely to get SSI for Tessa because we wouldn't have much in assets. So, it's somewhat of a Catch-22 in my eyes. Social Security pays people when they get old and retire. So, since we are saving for retirement, they won't have to pay us as much (really, though, we won't be getting anything because of how far away our retirement is...the system will be gone by then). But, since we are saving for retirement, they won't give us money for Tessa. So, theoretically, one might think " Hey if I don't save for retirement and have all these assets, I can get money from the government. " It just seems like an encouragement for people not to save money. Not sure if that made it any more clear or not. I wasn't talking about deaf adults...I was talking about the money that we could receive from SSI for Tessa because she is a hearing impaired child. Sorry I confused you. Sara _________________________________________________________________ FREE pop-up blocking with the new MSN Toolbar – get it now! http://toolbar.msn.com/go/onm00200415ave/direct/01/ Quote Link to comment Share on other sites More sharing options...
Guest guest Posted April 12, 2004 Report Share Posted April 12, 2004 , Sorry my message was confusing. What I was trying to say is that since we have IRA's, we might not be considered to get SSI for Tessa because we have over a certain amount in assets (3000$, I think). If we weren't saving for retirement, we'd be more likely to get SSI for Tessa because we wouldn't have much in assets. So, it's somewhat of a Catch-22 in my eyes. Social Security pays people when they get old and retire. So, since we are saving for retirement, they won't have to pay us as much (really, though, we won't be getting anything because of how far away our retirement is...the system will be gone by then). But, since we are saving for retirement, they won't give us money for Tessa. So, theoretically, one might think " Hey if I don't save for retirement and have all these assets, I can get money from the government. " It just seems like an encouragement for people not to save money. Not sure if that made it any more clear or not. I wasn't talking about deaf adults...I was talking about the money that we could receive from SSI for Tessa because she is a hearing impaired child. Sorry I confused you. Sara _________________________________________________________________ FREE pop-up blocking with the new MSN Toolbar – get it now! http://toolbar.msn.com/go/onm00200415ave/direct/01/ Quote Link to comment Share on other sites More sharing options...
Guest guest Posted April 12, 2004 Report Share Posted April 12, 2004 The Department of Rehabilitation has programs that help provide hearing aids to deaf people who have regular jobs, if they are within the income guidelines. There are also the foundations mentioned on Listen-Up.org that help adults as well as children. > .. The one thing I think they could use assistance for is insurance that covers the supplies that cost thousands of dollars that many parents and deaf/Deaf people just can't afford. _________________________________________________________________ Watch LIVE baseball games on your computer with MLB.TV, included with MSN Premium! http://join.msn.com/?page=features/mlb & pgmarket=en-us/go/onm00200439ave/direct/0\ 1/ Quote Link to comment Share on other sites More sharing options...
Guest guest Posted April 12, 2004 Report Share Posted April 12, 2004 The Department of Rehabilitation has programs that help provide hearing aids to deaf people who have regular jobs, if they are within the income guidelines. There are also the foundations mentioned on Listen-Up.org that help adults as well as children. > .. The one thing I think they could use assistance for is insurance that covers the supplies that cost thousands of dollars that many parents and deaf/Deaf people just can't afford. _________________________________________________________________ Watch LIVE baseball games on your computer with MLB.TV, included with MSN Premium! http://join.msn.com/?page=features/mlb & pgmarket=en-us/go/onm00200439ave/direct/0\ 1/ Quote Link to comment Share on other sites More sharing options...
Guest guest Posted April 12, 2004 Report Share Posted April 12, 2004 The Department of Rehabilitation has programs that help provide hearing aids to deaf people who have regular jobs, if they are within the income guidelines. There are also the foundations mentioned on Listen-Up.org that help adults as well as children. > .. The one thing I think they could use assistance for is insurance that covers the supplies that cost thousands of dollars that many parents and deaf/Deaf people just can't afford. _________________________________________________________________ Watch LIVE baseball games on your computer with MLB.TV, included with MSN Premium! http://join.msn.com/?page=features/mlb & pgmarket=en-us/go/onm00200439ave/direct/0\ 1/ Quote Link to comment Share on other sites More sharing options...
Guest guest Posted April 13, 2004 Report Share Posted April 13, 2004 The Dept of Rehabilitation - This is how we get funding for Ian's hearing aids and his AV Therapy each week. The guidelines for funding is based on your total gross income, and depending on that you sometimes may have to pay a deductible. They also pay for Ian's molds and all of the visits to the audiologist. We pay only $50 each time we have to get molds made. They will cover Ian's needs until he is 21 yrs old. But I will say that our Children's Hospital here in AL failed to mention anything to us about the Dept. of Rehab, even though they knew our insurance covered none of the services Ian needed. That shocked me. We had to dig and call around, until finally I found out about Early Interventions through a friend of a friend who has a hearing impaired child. It's amazing that the hospitals around don't try to help guide parents through the crazy maze of how to pay for these services. You know that they know about all of the organizations you can contact... they should have a hand-out with all of them listed and how to contact them. Tillery Birmingham, AL Ian 3.8 yrs (Moderate/Severe_Aided) Emma 8 (Hearing) > The Department of Rehabilitation has programs that help provide > hearing aids > to deaf people who have regular jobs, if they are within the income > guidelines. There are also the foundations mentioned on Listen-Up.org > that > help adults as well as children. > > > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted April 13, 2004 Report Share Posted April 13, 2004 The Dept of Rehabilitation - This is how we get funding for Ian's hearing aids and his AV Therapy each week. The guidelines for funding is based on your total gross income, and depending on that you sometimes may have to pay a deductible. They also pay for Ian's molds and all of the visits to the audiologist. We pay only $50 each time we have to get molds made. They will cover Ian's needs until he is 21 yrs old. But I will say that our Children's Hospital here in AL failed to mention anything to us about the Dept. of Rehab, even though they knew our insurance covered none of the services Ian needed. That shocked me. We had to dig and call around, until finally I found out about Early Interventions through a friend of a friend who has a hearing impaired child. It's amazing that the hospitals around don't try to help guide parents through the crazy maze of how to pay for these services. You know that they know about all of the organizations you can contact... they should have a hand-out with all of them listed and how to contact them. Tillery Birmingham, AL Ian 3.8 yrs (Moderate/Severe_Aided) Emma 8 (Hearing) > The Department of Rehabilitation has programs that help provide > hearing aids > to deaf people who have regular jobs, if they are within the income > guidelines. There are also the foundations mentioned on Listen-Up.org > that > help adults as well as children. > > > > Quote Link to comment Share on other sites More sharing options...
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