SSI and Social Safety are NOT the identical
Every single day I get emails from readers like this one: “My spouse and I get SSI. And we want to ask you a couple of questions. Or this: “My SSI test is $ 2,140 monthly.” My spouse’s SSI test is $ 1,800. Can she get any of my SSI? “
Are you aware the uncomfortable feeling you get when somebody is scratching their fingernails on a blackboard? Properly that is how I really feel once I get emails like this. Why is that this bothering me a lot? As a result of these folks do not get SSI. They obtain social safety advantages. And there’s a large distinction, which I’ll clarify.
Most individuals know what social safety is. You’re employed. Do you pay taxes. Then whenever you retire or turn out to be disabled, you begin receiving Social Safety checks primarily based on what you paid into the system. Or if you happen to die, your widow, widower, or minor youngsters begin receiving month-to-month advantages – once more, relying on how a lot you paid into Social Safety throughout your working years.
However it’s apparent to me from the e-mail I get that most individuals do not know what SSI is. It represents the extra safety revenue. This can be a federal social help program that pays a small month-to-month allowance to folks 65 years of age or over who’re very poor or to folks below 65 however disabled and really poor. At what level? Normally, they will need to have a month-to-month revenue of lower than round $ 800 to be eligible for SSI funds.
Many individuals confuse SSI with Social Safety for a wide range of causes. One is the title. Supplemental Safety Revenue appears like a sort of supplemental social safety program. It is not.
Another excuse for the confusion is the truth that the Social Safety Administration manages the SSI program for the federal authorities. However that is all they do. They handle this system. To repeat: SSI isn’t a Social Safety profit. And SSI funds are usually not paid out of Social Safety funds. The cash for SSI comes from common authorities working funds. The truth is, Social Safety belief funds are even reimbursed from common funds for the administration prices of the SSI program.
Again to this title enterprise. So many individuals assume that SSI stands for “social safety revenue”. In different phrases, when my readers say, “I am getting SSI”, they assume they’re saying, “I am getting Social Safety.” However once I hear you say, “I am getting an SSI” or when a Social Safety consultant hears you say that, we predict you are saying, “I am getting further safety revenue.”
So, it is not likely a query of semantics. Wording a query utilizing the fallacious terminology will end result within the fallacious reply.
Right here is an instance. Lately a girl wrote to me and informed me that she was getting an ISS and that she was planning to maneuver from California to Texas. She requested if her SSI checks would change on account of the transfer, and I responded by telling her that her advantages would more than likely change.
Because the SSI is a social profit, the quantity of the cost is determined by your residing situations (whether or not or not you personal a house, lease, share bills with others, and so on.). Additionally, the cost price could change from state to state. For instance, California provides a complement to the cost of federal advantages. When she strikes from California to Texas, she’s going to lose that further California cash. So, I informed her that when she moved to Texas, there was a great probability her SSI advantages would diminish.
Properly, she answered me later to inform me that when she referred to as the Social Safety people they usually checked their information, she heard that her cost charges would keep the identical. And shock, shock – it is as a result of it seems she wasn’t getting SSI, as she informed me; she was receiving social safety advantages. Your Social Safety test stays the identical irrespective of the place you reside within the nation.
The truth is, I partly blame myself for giving him the fallacious info. I am so used to folks mistakenly telling me that they get SSI that I often reply by saying one thing like, “I wager you meant you bought Social Safety. Right here is the reply to your query assuming you’re on Social Safety and never SSI. However I will need to have been lazy or in a rush once I answered the woman from California to Texas, so I assumed she was getting SSI and later needed to apologize.
However generally the precise reverse occurs. I get emails from individuals who really get SSI, however they inform me they get Social Safety, and we find yourself with extra misinformation. Not way back, a girl wrote to me telling me that her mom was receiving social safety and was planning to maneuver to Honduras. She requested if her mom may have her social safety test despatched to this Central American nation.
I first informed the woman that her mother may transfer just about anyplace on this planet and nonetheless get her social safety checks. However after exchanging an electronic mail or two, I noticed that her mom was really receiving the ISS. As I stated earlier, the SSI is a social profit. We don’t ship social advantages overseas. So if mother leaves the US, her SSI checks will cease instantly.
So please, expensive readers, repeat after me: Social Safety isn’t SSI, and SSI isn’t Social Safety! Should you use the fallacious phrases when asking questions, you’ll get fallacious solutions.
I’ve some area left and I need to share this story in regards to the beginning of the SSI program. Within the Seventies, the administration of President Richard Nixon thought it could be a good suggestion if, as an alternative of fifty totally different welfare packages like we did again then, it could be higher to have one nationwide with the identical fundamental eligibility guidelines making use of to everybody. irrespective of the place they lived.
So in 1973 they scrapped the 50 separate packages and created a nationwide social safety program for the nation. They determined to let the Social Safety administration run this system as a result of they already had numerous expertise in paying month-to-month advantages to tens of millions of Individuals. However then, in my view, they made an enormous mistake. They referred to as the Supplemental Safety Revenue program. That title, coupled with the truth that SSA ran this system, led to half a century of confusion between the 2 completely separate packages.
If in case you have a social safety query, Tom Margenau has a guide with all of the solutions. It is referred to as Social safety: easy and sensible. You could find the guide on creators.com/books.