Government Benefits For Individuals With Autism
When planning for a disabled person’s financial future, issues of entitlement to government benefits are an inevitable part of the discussion. The law is both complex and extensive with respect to qualifying for and obtaining such benefits. To make matters worse, two of the most common benefit programs, Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI), are each administered by the Social Security Administration; however, these programs offer very different benefits and have very different rules as to who may receive them.
SSI is a federal welfare program that pays monthly cash benefits to the poor and aged, blind or disabled. It was created as a “safety net” to supplement minimum monthly income, but does not pay for medical expenses. The base criteria for obtaining these benefits is that the applicant must be disabled (under the government’s definition) and have available assets of no more than $2,000 in countable resources. There are also significant limitations on monthly income. Prior to the age of eighteen, the income and resources of others in the household are considered in assessing eligibility. Currently, the maximum SSI benefit in New York State is $761 per month. When a person receives SSI benefits, that individual is automatically entitled to Medicaid based services, which include hospital care, physician services, prescription drugs and many programs that run exclusively through the Office of Persons with Developmental Disabilities (OPWDD). These OPWDD services can include family support, case management, respite, housing, supported employment, recreation, vocational training, adaptive devices, as well as day and residential habilitation services. Although the SSI/Medicaid income and resource limitations are highly restrictive and strictly enforced, Supplemental or Special Needs Trusts (discussed in a prior article) can protect the eligibility of the disabled individual for these crucial benefits.
While SSI is a needs-based program, by contrast, SSDI is an entitlement program and has no income or asset limitations. In order to receive SSDI benefits, a worker generally must have worked and paid into the Social Security system for at least ten years prior to his or her disability. The rules are very different if the individual can prove that he or she became disabled at or before the age of twenty-two, in which case the benefits received will be based on the work record of that individual’s parents. SSDI recipients obtain health care coverage through the Medicare program after twenty-four months. Adults with autism may also begin to receive SSDI payments when their parents retire or die. Thus, a disabled individual who has been receiving SSI benefits may later become eligible for SSDI instead. In some instances, an individual with autism may even become dual eligible, receiving a combination of these government benefits.
The one major similarity between the SSI and SSDI programs is that they use the same disability evaluation to determine if eligibility is warranted. This evaluation focuses on whether the individual is capable of being gainfully employed. While the specific criteria that the government uses to determine disability are beyond the scope of this article, it is vital to understand that unless the individual with autism meets the criteria for disability, he or she will not qualify for SSI or SSDI benefits. More information about these benefits can be obtained on the Social Security Administration’s website (www.ssa.gov) or from an attorney who specializes in this area.
Andrew M. Cohen, Esq. is the principal of the Law Office of Andrew M. Cohen PC. The firm concentrates in the areas of Trusts & Estates, Guardianships, Elder Law and Estate Planning, with an emphasis on planning for special needs families and disabled persons. Mr. Cohen has a Juris Doctorate and an L.L.M. in Taxation. The firm’s offices are located in Garden City and Manhattan and can be reached at 516-853-2171 or through the website.