Will my son lose his benefit because my bank account was over 2000

[Si3rra1]

What is the name of your state (only U.S. law)?

 

[Janke]

He will get an overpayment notice and will have to pay SSI back for the months he was over the resource limit.

A lot of details missing in this post.

 

[LdiJ]

He will get an overpayment notice and will have to pay SSI back for the months he was over the resource limit.

A lot of details missing in this post.

There is not enough evidence here to say that. We do not know if the son is an adult or a minor. If he is an adult mom's resources are irrelevant. If he is a minor it depends on why he is receiving SSI.

 

[Janke]

There is not enough evidence here to say that. We do not know if the son is an adult or a minor. If he is an adult mom's resources are irrelevant. If he is a minor it depends on why he is receiving SSI.

Well, partially correct and I was partially wrong in my first answer. Details matter.

If mom's account is over $2000, even as a minor he might not have excess resources because one parent can have $2000 and the amount OVER $2000 is deemed to the minor child as his own resources and the child can have $2000. So if mom has $4000 (which is over $2000) then the minor would have excess resources. However, there are various exclusions that could apply to the parent's bank account that might allow for disregarding some or all of the $4000. All a bit obscure and uncommon, but they do exist.

But the reason the son gets SSI (his diagnosis code) has zero bearing on a decision about excess resources.

 

[LdiJ]

Well partially correct and I was partially wrong in my first answer. Details matter.

If mom's account is over $2000, even as a minor he might not have excess resources because one parent can have $2000 and the amount OVER $2000 is deemed to the minor child as his own resources and the child can have $2000. So if mom has $4000 (which is over $2000) then the minor would have excess resources. However, there are various exclusions that could apply to the parent's bank account that might allow for disregarding some or all of the $4000. All a bit obscure and uncommon, but they do exist.

But the reason the son gets SSI (his diagnosis code) has zero bearing on a decision about excess resources.

If the child is receiving SSI due to disability the parent's resources matter (which you alluded to by the diagnosis code comment). If the child is receiving SSI as a survivor's benefit or a child's benefit due to a parent's disability then the parent's resources do not matter.

There was absolutely no information given by the OP to indicate WHY the child was receiving SSI...and YES, survivor's benefits and child's benefits from a parent's disability ARE SSI.

 

[Janke]

If the child is receiving SSI due to disability the parent's resources matter (which you alluded to by the diagnosis code comment). If the child is receiving SSI as a survivor's benefit or a child's benefit due to a parent's disability then the parent's resources do not matter.

There was absolutely no information given by the OP to indicate WHY the child was receiving SSI...and YES, survivor's benefits and child's benefits from a parent's disability ARE SSI.

No they are not SSI.

SSI (Supplemental Security Income, Title XVI of the SS Act) does not pay survivor or auxiliary benefits to children of a disabled or retired parent. SSI is a needs based program that pays money to disabled or blind children or adults or those over 65. All have to have limited income and resources and meet more criteria. Social Security Retirement, Survivor and Disability benefits (Title II of the SS Act) can pay survivor or auxiliary benefits. And is not needs-based, not means tested so a $2000, $20,000 or $200,000 bank account is not material.

I agree with everything else you posted, but SSI does not pay survivor or auxiliary benefits to children.

It is possible that the OP used the term SSI incorrectly (lots of people do including LdiJ), but I am not going to make that leap. And lawmakers could have come up with a less confusing term and acronym if they had worked harder at it.

https://www.ssa.gov/ssi/text-over-ussi.htm

 

[LdiJ]

No they are not SSI.

SSI (Supplemental Security Income, Title XVI of the SS Act) does not pay survivor or auxiliary benefits to children of a disabled or retired parent. SSI is a needs based program that pays money to disabled or blind children or adults or those over 65. All have to have limited income and resources and meet more criteria. Social Security Retirement, Survivor and Disability benefits (Title II of the SS Act) can pay survivor or auxiliary benefits. And is not needs-based, not means tested so a $2000, $20,000 or $200,000 bank account is not material.

I agree with everything else you posted, but SSI does not pay survivor or auxiliary benefits to children.

It is possible that the OP used the term SSI incorrectly (lots of people do including LdiJ), but I am not going to make that leap. And lawmakers could have come up with a less confusing term and acronym if they had worked harder at it.

https://www.ssa.gov/ssi/text-over-ussi.htm

I had this very patiently explained to me by someone who specialized in this area.

If a parent receives SSDI, and the children also receive benefits, their benefits are SSI

If a parent receives survivors benefits and the children also receive survivors benefits, their benefits are SSI

Now, I have never personally gone and verified the information provided to me by the expert in question, but I do trust that they know what they are talking about.

 

[quincy]

For your reading enjoyment:

https://www.ssa.gov/ssi/

 

[Janke]

I had this very patiently explained to me by someone who specialized in this area.

If a parent receives SSDI, and the children also receive benefits, their benefits are SSI

If a parent receives survivors benefits and the children also receive survivors benefits, their benefits are SSI

Now, I have never personally gone and verified the information provided to me by the expert in question, but I do trust that they know what they are talking about.

You don't know me at all so you have no reason to believe me over this specialist who explained it all to you. And I cannot post my credentials to this board so you don't have a reason to believe me over this "specialist".

But I will tell you that I have 28 years experience working at the Social Security Administration and all of it was as an SSI claims representative, 14 as an SSI technical expert and they really should have promoted me to a regional SSI program analyst (still wish I had gotten that job) because I was very good at my job in SSI. In SSA field offices, claims representatives are generally assigned work as either an SSI (Title XVI) specialist or an RSDI specialist (Title II) although there is quite a bit of overlap in assigned workloads. SSI benefits are paid through a system called MSSICS. RSDI (Retirement, Survivor and Disability Insurance) benefits are paid through a program called MCS. The SSI computer record is called a SSID; the RSDI computer record is called an MBR or an AACT.

Hmm, what else can I say.

In 1936, when the FDR administration passed the Social Security Act, the only benefits were retirement for the worker and the wife (remember this was when women did not work outside the home as much as they do now). Survivor's benefits were added for widows shortly thereafter - widower's benefits came much later, maybe in the 1950's. I don't recall when children were added to the RSI entitlement, probably in the 1950's. I am sure there is a long history at socialsecurity.gov.

I posted one link to an SSI spotlight that you must not have read. It is official and found at the government web site.

SSI, on the other hand, was started in January 1974 under Nixon. The federal government decided to federalize all the poverty programs for the disabled and elderly so that benefits would be the same nation wide. There were state and local programs in place, but Congress decided to convert them all to federal programs and gave the job of administering it to the Social Security Administration. Most of the recipients who were converted in 1974 have long since died, but there are a small number still getting paid. And there was mass hiring at SSA in 1974 (I started in 1979).

I am sorry your friend gave you wrong information. I am correct. There are no SSI benefits to survivors or auxiliaries. But I am not going to fight you over it.

Sorry, Si3rra1 that you are getting conflicting information, but that is one of the problems with internet forums. You have no way of knowing if anyone knows what they are talking about. And we still need more details about how much money you had in the bank and why and when in order to give you better answers. Unfortunately, you will not know for sure who is correct unless you go to the official websites or your local office. I am giving you the answers I would give if I were not retired and you were sitting in front of me at your local SS office. But you don't know that for sure.