If you have been on Social Security Disability (SSDI) for a while due to mental illness and then decide to go on cash assistance, the impact on your benefits and overall financial situation will depend on the specific cash assistance program you apply for and the rules governing the combination of benefits.
Supplemental Security Income (SSI): SSI is a needs-based program for individuals with limited income and resources. If you qualify for SSI while receiving SSDI, your SSI payment may be reduced or offset by the amount you receive from SSDI. This is because the total combined income from SSDI and SSI cannot exceed the maximum federal benefit rate for SSI, which is lower than the SSDI benefit amount. However, receiving SSI can provide additional financial assistance and may also make you eligible for other benefits like Medicaid.
Temporary Assistance for Needy Families (TANF): TANF is a state-based program that provides cash assistance to low-income families with dependent children. If you are eligible for TANF while receiving SSDI, the rules may vary depending on your state. In some states, receiving TANF may not affect your SSDI benefits, while in others, it may reduce your TANF benefits.
General Assistance (GA): GA is another state-based program that provides cash assistance to individuals or families with no other means of support. Like TANF, the impact on your SSDI benefits will depend on the rules of your specific state.
It is essential to understand the rules and regulations of the specific cash assistance program you are considering and how it may interact with your SSDI benefits. In some cases, receiving cash assistance may affect the total amount of financial support you receive, while in other cases, it may not have any impact.
Before making any decisions about applying for cash assistance, it is advisable to consult with a knowledgeable social worker or benefits counselor who can assess your situation and provide guidance on how various benefits may interact.
Additionally, if you experience any changes in your financial situation or benefits, it's crucial to inform the Social Security Administration (SSA) promptly to ensure that you receive the correct benefits and avoid potential overpayments or underpayments.