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Spoonfulasugar Asked March 2013

What is the difference between SSA and SSI?

My mother receives Medicare/Medical, will she continue to receive SSA and SSI benefits when she moves to a long term care facility?

JessieBelle Mar 2013
Your mother will get whichever was the greatest amount. If your father made more SS money, she will get that money. It will be applied to her care and Medicaid will cover what her money will not. You will personally be responsible for the bills for her home. When you sell the home, the money for the house will be applied to her care and she may be temporarily disqualified from receiving Medicaid until that money is spent down. Many people choose not to sell property while the person is still alive. The state will come in later when the house is to be sold to recover some of the expenses paid by Medicaid unless the house is being occupied by a spouse, dependent, or someone who lived with her and provided care for at least two years. From what I've read, recovery in the latter condition can vary among the states.

Spoonfulasugar Mar 2013
What happens to the Social Security money she gets from when my father passed away? I realize now she will no longer receive SSI from her disability. We still have bills to pay until we sell her home. Does the Nursing Home expect to receive that also, if so, I need to plan this all out.
Thanks

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Spoonfulasugar Mar 2013
Thank you all for your responses, MUCH appreciated!

igloo572 Mar 2013
Also if all she has for income is SS, the NH may request that the SS check goes to the NH directly and they will then put her monthly personal needs allowance (that Jeanne mentioned) in a trust for her to use as needed @ the NH (like for beauty shop or to pay for her phone or cable fees). If mom has outside expenses - like she still has a life insurance premium to pay, credit card debt or a house - there will not be any of her SS income to pay for these realistically.

jeannegibbs Mar 2013
Be aware that whatever Mom is getting, it will be all going to the nursing home, except for a small personal allowance, that seems to run from about $30 to $90 per month, depending on the state.

JessieBelle Mar 2013
SSA is the Social Security Administration. They handle SS. SSI is Social Security Insurance. It is usually given to people who are unable to work due to sickness or other problem. It is similar to SSDI, which is Social Security Disability Insurance. I personally thought one could receive one -- SS, SSI, or SSDI -- but not more than one. People getting SSI or SS are eligible for Medicaid. Either SSI or SS with Medicaid may be what your mother is going to receive when she goes into LTC.

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