- SSDI/DAC 'Adult Disabled Child'
The SSDI program pays benefits to adults who have a disability that began before they became 22 years old. We consider this SSDI benefit as a “child’s” benefit because it is
For a disabled adult to become entitled to this “child” benefit, one of his or her parents:
|It is designed to help aged, blind, and disabled people, who have little or no income; and|
|It provides cash to meet basic needs for food, clothing, and shelter.|
-- This is referred to as 'the United States biggest Welfare program' by Social Security.
Social Security Disability Insurance, or SSDI, provides benefits to individuals who are disabled or blind. SSDI is funded by employees’ contributions to the Social Security trust fund, or the Federal Insurance Contributions Act (FICA) social security tax paid on yearly earnings.
In order to be eligible for SSDI, your loved one must have:
To sum it up for you SSI is out of general taxes, is for low income people only (with disabilities) and is considered welfare.
SSDI is based off taxes you paid into the system while working, and you are only eligible for SSDI disability payments after paying into the system long enough. Your SSDI payment will be based upon what you put into the program via taxes.
SSDI/DAC is an SSDI benefit that a disabled child (or adult) may claim, based upon what the parent put into the SSDI program from their earned wages (taxes)
Now for the fun stuff.
I receive SSDI from my work history AND DAC. Social security works like this:
If you get approved for benefits and meet each programs criteria, you must be individually approved for each program. So if you apply to all three and meet the criteria of all three, you will get three approval letters--one from each program.
Now you MAY collect multiple checks from a combination of these three sources. BUT, you do not get 'full benefits' from either.
For example, you are approved for 400$ a month from SSDI based upon your work history, and also approved for DAC payments based upon your fathers, with a benefit of 900$. You would receive 900$ total from social security, as that is the MAXIMUM you are entitled to. You would receive 400$ from SSDI and the remainder from DAC. You cannot collect more than the highest benefit total you are entitled to.
The reason they do this is each pool of money is different. SSI funding is from general taxes, SSDI is based of your work taxes and DAC off your parents work taxes.
Anyhoo, I get the DAC and SSDI. (I will explain why I do not get SSI at the end) Both entitle me to MediCARE, and the DAC entitles me to Medicaid as well (as a supplement of sorts) despite the income boost. (if it was just SSDI I would have to qualify with medicaid under the medicaid rules, pregnant under 21, or income guidelines)
I was researching about SSDI, DAC and its rules (I have had it since October, I am learning still) and came across a query of 'What happens if I get married on SSDI?'- The answer? Nothing will change. (From social security)
So I decided to look, what happens if you get married on SSI? Since SSI is a needs based program they could cut or remove all of your benefits, if your partner made over a certain amount of money each year, kind of like food stamps, since the program is considered welfare.
So last but not least I googled the DAC benefit. I was floored.
Direct from Social Securitys own website (HERE) I found this:
If he or she receives benefits as an adult disabled since childhood, the benefits generally end if he or she gets married. However, some marriages (for example, to another adult disabled child) are considered protected.
Something here is not right. So I did some more digging. Yep, its true. Unless I marry another adult disabled child ACTIVELY RECEIVING THE SAME BENEFIT, I will lose mine!
That means no medical, no payment, NOTHING.
Upon contacting someone I know who used to work for Disability Determination within SSA, I was told I would lose my SSDI benefit based on my work record too! (I do not know if this is true, I must find a way to link a confirmation or denial of this)
I am FLOORED. I cannot, despite days of searching, find a justifiable reason as to why this one category gets singled out.
So suddenly I am not disabled because I decided to get married,and instead of rewarding me like the government does with marriage (taxes, health insurance benefits, death benefits, legal rights and so on) I get dropped?!
I have some issues with this, which I am sure will raise hell in others eyes. I am sure I will hear you are bitching about free money from the government blah blah blah... save it. Read it all and then complain if you need to.
One, I can cohabitate with someone for the rest of my life, even be engaged and cohabitate indefinitely and keep my benefits but the second I get married out the window that goes?
Why does every other category of disability get to marry, without penalty?
Half the reason I am disabled is because I cannot work. I am medically needy and could not find health insurance, even through a spouse most likely, that would accept me with all of my 'pre existing conditions'
Even if I did find a company willing to take me, the premiums would be astronomical, in addition to copays, prescription benefits, deductibles and out of pocket reimbursement expenses, that would bankrupt anyone in a matter of weeks.
Without this medical care I would die.
So my spouse would be forced to take on the financial burden of my inability to contribute to household coffers, astronomical medical costs and the physical responsibility that comes with my medical issues.
I wouldn't marry myself with that kind of baggage!
So, I would like to ask social security and law makers, why do you stop Disabled Adult Children from getting married and being able to live?
If you are interested in perhaps bringing attention to this click HERE.