... Companies may opt to take other actions if they can’t access your Social Security funds to collect a debt. His dad is incarcerated. Bankrate is compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website. Consider 2 people living in a house where one of them gets the large master bedroom with its own private bathroom vs. a small simple room. Another SSA representative might have easily interpreted the inclusion of dates as a condition, so it’s probably a better idea for applicants to not include dates since the policy manual doesn’t mentioni anything about them. Before you decide not to pay a debt, you may want to talk to an attorney about potential consequences you could face. The social security income is used in combination with your other income to make that determination. I believe that would typically be counted as ISM, unless your parents decide to add you to the title of the home, or start charging rent. Are we violating any rule…? https://howtogeton.wordpress.com/2017/01/26/how-to-get-enough-food-stamps-to-actually-eat/. Anyway, I was told my mom needs to write a letter mentioning how much I will be contributing to the household, how much the expenses are. Your check may go up or down, depending on the change. A financial advisor can aid you in planning for the purchase of a home. The following benefits are protected from garnishment and bank levies thanks to federal law: When it comes to third-party debt collectors, they cannot even threaten to take your Social Security benefits if they know that’s your only source of income. I don’t pay the mortgage now – I can’t, she’s the only one on it. I have been claiming him as dependent for many years, Can Social Security ask for my tax returns or my dad’s. Will the mortgage be considered part of my living expenses? You can call Social Security with her, or create a online account to see what she is on. (it will be valid from this moment forward, but it sounds like she already has made those arrangements). If you are looking for a room (not a whole apartment) then the deciding factor is sometimes how much the other people living in the house want to live with you. hello I had my ssi interview about two weeks ago. We maintain a firewall between our advertisers and our editorial team. Section 8 Guide for the Disabled and Plucky. Our home affordability tool calculates how much house you can afford based on several key inputs: your income, savings and monthly debt obligations, as well as the mortgages available in your area. He will pay me back the monthly rent he owes. I applied for SSDI which was denied; caused by my Advocate being found incompetent shortly after representing my case to the Judge, at my hearing. For SSI, I don’t think it makes a difference either way. If you are currently receiving reduced SSI, your check can go up if you start paying your correct share of rent or mortgage. My mom lives with me. Thank you for that. For example if she has a signed sublet agreement for the room that she is in and this includes information that rent is set at fair market rate, or if the lease with the landlord includes amount of rent per room and who is renting each room. My snap is being reviewed for year on july 2,I wanted to mention to worker about us getting seperate snap amounts.Also is this himonmy case the reason I have to redetermine every year be cuz I also just read that people who get ssi don’t have to do yearly snap redeterminations that they just notify ssi with changes. I have a somewhat complicated question. Did you pay the rent directly to the landlord? If your food is separate, you can have your own SNAP account. Nope My only “secure” address has been a PO box for the past 4 years. HELP! It seems designed so you end up contradicting yourself. They bought a new house in another town and will sell the old one if I don’t move in. Just trying to figure out what would work best to rent my parent’s old house. Our goal is to give you the best advice to help you make smart personal finance decisions. Thanks, Sorry this comment got lost. *3. Or will they reduce it more than this? I also wanted to briefly mention that the attorney my friend hired to represent her daughter in her SSI appeal has absolutely no knowledge of living arrangements and how they can affect the amount of SSI an applicant will receive. total. They a want to know if my dad is getting any rental subsidy so they can reduce SSI or completely eliminate it. I am paying it because they would take the amount out of my check anyway. I guess he did not interpret this as a condition. 1. living on ssi seems hard enough on the maximum of $750 how does ssi expect people to live on less when they live alone and have no help financial? Parent loaned me money to pay for a house they already own? While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Do you believe it would cause any issues for my child to send that “rent” payment directly to the mortgage company (instead of paying it to me)? They leave you a very small amount. ** So here is the questions. It may also be helpful to show that the utilities and other bills are now in their name. Just pay all of what section 8 tells you plus your full heat bill. With four bedrooms and three baths, this 3,000-square-foot home costs $300,000. This year it’s $750 (federal) + $160 (state)+$88 (No kitchen/permanent housing) Yes, we cashed the matured bonds which equaled to the amount of $1100.00. my landlord just informed me he is selling the house and that i need to move out in the coming months.I have been looking for rooms non-stop on craigslist only for people to be renting, wants ONLY working people and NO Government Programs.How can i get a room and where else do i look.I can’t tell people what to do with their home but i have read stories of renters being biased to people on disability and sometimes refused to rent to them,and clearly i fell in that hole..What are my other options,section 8-HUD takes a very long time i heard but i guess i can ask about it,however i still needs a room to rent soon and i am so lost what else to do because no one wants to rent to someone on disability. I am not certain how the rules would apply if one homeowner does not live there, if they would require you to pay half of the mortgage or the full amount? she wasnt collecting thetotal amount because she wasn’t paying rent as she had no income, now they say she’s getting less because she didnt pay rent, with income of course we expect her to pay, we struggled financially for 2 years because she didnt have a penny to her name, at this writing i am seeking advice because she not only hasnt paid her rent for the month but she also hasnt bothered to respond as to when she’ll return, you still pay rent whether you physically are here or not, i don’t want to be stuck in a situation of lying about anything and i certainly feel at this time we have been put in an awkward situation We don’t know each other but you are actually helping me with a next level change in my life. I currently pay her $200 a month to cover my portion of the expenses. – However, if your household already has a car, then a second car does count.They will count your EQUITY value of the car. I definitely would not ask this question to the person who answers the phone, as you are very likely to be told a wrong answer. I have my phone interview next week. Your knowledge consideration and what you’re doing is amazing! I do not get a utility allowance either. I just found a room for rent and after being homeless on ssi for years,it’s a very big deal. Bc I am his caregiver. My 4 year old son is Autistic and was just finally approved for SSI beginning April 1st. It gives you wiggle room in case of an emergency, which is always helpful. If your check is reduced, that means they made a mistake and you can get it corrected. Hope you’re doing alright today. She had to move from her previous house (supportive living) to a new house with her 2 roommates. My parent says lives in house and I’m paying half, my share. It also sometime happens to people who are homeless or transitional, people who are paying the wrong amount of rent or mortgage, or anyone who was never told the SSI rent rules (read: nearly everyone). the financial policies are all here: https://howtogeton.wordpress.com/2017/02/19/how-to-find-and-follow-the-ssi-regulations/. If there is anything I could do from where I’m at …let me know please , Hi, We have electric heating and cooling, so by solely paying the utility bill I am paying for those as well. I also didn’t know you could get EBT if you were on SSI? I’m sorry to say that does sound like the maximum to me as well. I can explain more…I’m collecting $988/month. Fair market value is 850.00 for this place (I have letters from relators and classifieds in area to support my case for 850.00). If you gave your dad money to pay his medical bills they might consider that income. Your SSI check is lowered by up to one-third. Privacy policy / California privacy policy. Why Am I Getting Maximum SSI?”, “Why do some people get reduced SSI and some people get maximum SSI?”. Do you know if I’ll be getting the maximum amount with all I’ve calculated and what I’m paying for? He would be charging me rent for the bedrooms me and my children occupy and we would split utilities. What Should I Bring to an SSI Appointment? Maybe I could message on Facebook? To the best of my knowledge, HUD assistance is a government program and should have no impact on SSI. I know how much you must need this for your son, I hope you can find a way to make this work for your family ❤. I am glad you had success with this. It’s definitely another change in this weird life but it’s a positive impact. My other son also lives with us and is working, has his own income and bank account. For food stamps – you would need to research the policies in your state, or ask your caseworker if they can find/tell you the policy. . My rent will go up as soon as I have an income. All Rights Reserved. Has she been paying you rent and utilities? BR Tech Services, Inc. NMLS ID #1743443 | NMLS Consumer Access. There are several companies that provide this. So the letter with the things I mentioned above is fine? It’s great that you were able to hang onto SSI while being homeless – I’m sure that was not easy. I’ve read the tax rules for claiming dependents changed this year, so you might want to look them up to make sure your taxes are correct. Bankrate.com does not include all companies or all available products. So who can afford this house? Do I tell them that I will be giving him my two months backpay? So it might go from 700+ to 500+. If so then I need to just buy and make low payments. The mortgage is in her name only. I own my house. I don’t think you have an issue with overpayment, I can write more, but I wanted to check what you are on? So I was told that my mom needs to write a statement saying what I pay for and how much the expenses are. On my epilepsy and anxiety, meds,side effects etc. Perhaps you need to make a budget and a plan to knock out some of your large student or car loans before you apply for a mortgage. 2. In Ann Arbor, their mortgage, tax and insurance payments will be around $950 dollars a month. What I’m trying to figure out is, what are our next steps to do before requesting a redetermination, especially around the wording of a “post application/approval” rental agreement.