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Please help me understand Medicaid/Food Stamps!

My 65 year old mother began receiving social security benefits last September. She receives $890 a month. She receives food stamps. This is her only income. Her income does not change. Please help me understand how and why every single month she receives a letter from food stamps telling her that her monthly benefits will decrease? This month they went from approximately $109/month to $86/month. Her Medicaid/Medicare spenddown increased $100. What happens to trigger these changes when her financial situation doesn't change? I especially liked in the letter of notification about her increased spenddown how her "family, friends or others" could pay her spenddown for her. How nice of them to make that suggestion!

On average, it takes 3 weeks for her caseworker to return her calls. By that time, she usually receives another letter informing her of more reductions in food stamps and increases in her spenddown for medical treatment.

Please help me understand this mess! These changes ultimately affect me since I "pick up the slack" for her monthly expenses and I want some guidance in trying to understand!

created by pnjperr on Feb 12, 2012 at 04:05:16 pm     Other     Comments: 27

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I had to look up "spenddown" to understand what you're talking about. I hope this helps you to understand it.

"Spend down can mean two slightly different things. First, there is a limit to how much you can have in income and assets before you can even qualify for Medicaid. You may be required to use (spend down) those assets for your medical care before qualifying. Countable assets can include retirement savings, cash value life insurance, money in stocks, bonds, IRA's, etc. If you are single your house can be included in countable assets. If not counted, a lien could be placed on the home. If you try to remove these assets by giving them away you must wait 60 months before qualifying.

Second, once you are on Medicaid you may be required to use some of your own income before your medical care is paid by Medicaid, as mentioned in the above post. This is not actually called spend down but many people use the phrase that way."
http://answers.yahoo.com/question/index?qid=20080423210054AAxF1Os

posted by pete on Feb 12, 2012 at 04:12:49 pm     #   1 person liked this



I think the problem here is that..."SOCIAL SECURITY," MEDICAID, ETC. SHOULD HAVE NEVER BEEN IMPLEMENTED IN THE FIRST PLACE. that's all.

posted by OmarLittle on Feb 12, 2012 at 04:27:21 pm     #  



Yes, Omar, because his mother would be way better off with no income...#roll eyes#

posted by SensorG on Feb 12, 2012 at 04:53:36 pm     #   11 people liked this



In general, public assistance is a good idea. The problem comes up because since the first check was written, people have "cheated" the system.
Fast forward to now. So many people have taken advantage and cheated the system that those who really work for a living are frustrated. Frustrated over the abuse of the system.
There needs to be more accountability and supervision of these programs. Of course, there are votes to be won from these voters who are on the system, so cutting the programs just isn't good for any career politician.

posted by hockeyfan on Feb 12, 2012 at 05:06:56 pm     #   3 people liked this



OmarLittle, I am open to suggestions. What would you have her do for income? Step-father litteraly died the month he became eligible to collect the social security he paid into his entire life. Mom has never worked as to provide a comfortable home for him. She has no assets at all. Trying to pay the normal monthly bills is a regular and consistent struggle. I just need help understanding why her level of benefits continually flexuate while her income does not. Thank you for the other, more helpful, responses.

posted by pnjperr on Feb 12, 2012 at 05:10:22 pm     #   1 person liked this



Can she work? 65 is not old.

posted by HickoryG on Feb 12, 2012 at 05:26:24 pm     #  



I can't imagine in this economy a 65 year old who has spent the last 30 years as a home maker finding a job.

Pnjperr- I take there is no 401k or pension from your step dad.

You need to see what she qualifies for heating aid and maybe substized rent.

posted by SensorG on Feb 12, 2012 at 05:36:43 pm     #   2 people liked this



She sounds exactly what the assistance programs were meant for. Not the cell phone owning, hoopty driving, wad of cash carrying 4th generation career welfare 20 year old.

posted by hockeyfan on Feb 12, 2012 at 05:46:52 pm     #   2 people liked this



Is the amount of food stamps typically a set amount per month?

Was just trying to figure out if the varying value is something specific to your mom, or if it is typical for the amount to fluctuate per month for recipients in general?

posted by mom2 on Feb 12, 2012 at 05:51:17 pm     #   1 person liked this



There was a small insurance policy that allowed us to bury him, but that is all. She is in ill health, probaby from going without any medical treatment for 3 years until she was eligible for Medicaid. Definitely not able to work. We don't want any more then she is intitled to from my stepdad, she won't go to the church for food from embarrasement. There is no retirement or pension because he left that to his children from a previous marrage. I always thought the amount of food stamps was set based on income and since her income doesn't change I'm having difficulty understanding why is fluctuates so much, all the time. We help her each month, to the tune of almost $500. We had to pay her entire spend down for February becuase she needs eye surgery. This is becoming a hardship on everyone and it just doesn't seem to be getting any better -- it usually gets worse each month -- we just need to wait for the letter telling us how bad! This is just annoying to us and the last couple of months it seems to have spiriled out of control. She lives in a small apartment, has an emergency cell phone only for outgoing calls, pays utilities and rent and is then broke. We pick up the slack for any expenses she can't cover. Our next option is to move her in with us; however, she will lose her benefits if she lives with us based on our income! Situations like that rarely end well!!

posted by pnjperr on Feb 12, 2012 at 06:27:20 pm     #  



prj...

A wife or spouse can collect a percentage of the SS benefits of the deceased. There are a few exceptions but basically that is the rule. Your Mom should be able to collect from your step father or your father if both would be eligible for SS. I believe you have to be married at least 20 years to collect.

I worked most of my life for a non profit and the majority of people on Medicaid were white widows who never worked. The system works against them.

I believe your mother would qualify for a multitude of benefits out there including housing, medicaid, assistance on utilities, free phone etc. Please assist her in getting these benefits.

However, when they say no assets that is what they mean. A small amount is allowed but it is very limited - about one month of SS.

posted by jackie on Feb 12, 2012 at 06:27:51 pm     #  



While it is noble and good that he wanted to leave something to his children from his first marriage, it's unfortunate that he didn't arrange to somehow leave at least a portion of his retirement to your mother.

If it was their joint decision for her not to work so that he could have a comfortable home, then his arrangements should have provided for her.

(I'm not pointing that out to be critical of your mother or stepfather. I only point that out so that if other users have parents who could be facing similar circumstances in the future, perhaps they could re-evaluate who is to be the beneficiary on their policies before it is too late.)

Hope that you are able to get the answers that you need for your mother's situation. :(

posted by mom2 on Feb 12, 2012 at 06:44:46 pm     #  



I think there are some agencies and professionals who can help you learn about the ins & outs of helping an aging parent. The Area Office on Aging, the Boomers Resource Network, and Mature Living magazine would be good places to start. I wish you the best of luck with this challenge. It's a lot to take on suddenly.

posted by viola on Feb 12, 2012 at 07:16:55 pm     #  



If your step father was eligible for SS and she was married at least 20 years she qualifies for his SS. I know cases where 2 wives have collected on a man's SS.

I married the first time almost 60 years ago. The promise of taking care of me went to pot and I was left with 2 children, no job and a pile of bills. Never again I swore.

When I remarried I kept control of what was mine and still do. It does get tricky with family but it is up to me to see how my money is taken care of - alive or dead.

It is terribly sad to see a widow become so needy because they did not think about what would happen when...

I know your Mom is eligible for benefits and do not let pride stand in her way. You can do it for her.

posted by jackie on Feb 12, 2012 at 07:18:55 pm     #  



She is collecting social security (from the original post)...since she didn't work, I would assume that she's collecting on her deceased husband's record?

posted by mom2 on Feb 12, 2012 at 07:28:54 pm     #   1 person liked this



I dislike these programs, for I feel too many people abuse them.

However, you've always seemed like a decent person via your posting here.

She should be able to handle some of her utility bills by utilizing HEAP. If there isn't an online download form, go to any public library in a poorer neighborhood and forms should be available near the front desk.

http://www.development.ohio.gov/community/ocs/heap.htm

You also may want to have her call EOPA with questions which is a local organization.

http://www.eopa.org/

posted by 6th_Floor on Feb 13, 2012 at 01:20:13 am     #   1 person liked this



If she's paying for an emergency only cellphone, she should cancel that asap and sign up instead for this:

https://www.safelinkwireless.com/Safelink/

posted by 6th_Floor on Feb 13, 2012 at 01:29:25 am     #   1 person liked this



She is collecting on my stepdad's SS. I will definitely check into the cell phone suggestion and the other suggestions as well. We don't want to take advantage of any benefit or service but just want to do what we can to reduce her financial stress.

Thank you all so very much for all your help and guidance.

posted by pnjperr on Feb 13, 2012 at 06:46:28 am     #  



Must one be married for 20 years to be eligible to receive a husband's social security? I have neighbors who remarried late in life (very late) and the wife was able to upgrade to the new husband's, higher, SS payment. They have not been married for 20 years.

I guess I should look into this: I have young relatives with unequal incomes who believe that the wife would get a higher payment because of the husband's eventual SS. If the wife needs to put in twenty years before that can happen, I should tell them now ;-)

posted by viola on Feb 13, 2012 at 12:12:23 pm     #  



I should qualify that statement. I was entitled to my ex-husband social security because of the years I was married. However, my income alone was more than the percentage of his.

You also need 40 quarters of payments to SS to be eligible for benefits.
I know a lot of young people whose spouses died and they did not have enough quarters for SS payments.

SS is great for us older folks. But you still need a pension and other money to make sure you aren't in poverty in your older years.

posted by jackie on Feb 13, 2012 at 12:56:43 pm     #  



No, it isn't 20 years.

In a divorce situation, the marriage had to last at least 10 years for the spouse to claim on the record of the ex-spouse.

I'm thinking that whoever said 20 years above was probably thinking of the 10 year divorce rule.

As far as I am aware, the length of marriage rule really only applies in divorce situations.

http://www.ssa.gov/survivorplan/ifyou3.htm

(With my warped sense of humor, I always joke to my husband that I'll keep him around at least 10 years since I'm by far the higher lifetime wage earner. That way at least he can collect off my record. LOL)

posted by mom2 on Feb 13, 2012 at 12:59:10 pm     #   1 person liked this



Her spenddown likely will change every year as her SS increases. I don't think SS recipients rec'd monthly increases during 2010 and 2011.

I sort of remember my friend's mother before she passed away talking about it early every year.

posted by 6th_Floor on Feb 13, 2012 at 03:09:15 pm     #  



Well, folks when I got divorced in 1976 it was 20 years married to get SS from spouse.

posted by jackie on Feb 13, 2012 at 04:36:04 pm     #  



from pnjperr: Please help me understand this mess!

Sure, no problem.

from pnjperr: We don't want to take advantage of any benefit or service but just want to do what we can to reduce her financial stress.

Okay, problem. Look, the section of the government that you have to deal with is staffed by obstructive, bullying bureaucrats that want to deny benefits and who enjoy their work. They also want to complicate the issue rather than simplify it, as complexity inevitably leads to denial of benefits (fun!) and job security (more fun!). These people want to obstruct you; they are unhelpful by design.

Out of every 50 or so bureaucrats that you encounter, there will be one that's helpful. All this means is that the system screwed up somewhere and a mistake was made. Finding that person is tough, but the more bureaucrats you encounter the closer you get to the winning ticket. So, you see, number one is to get the name, ID number, job title and phone extension of whomever you speak with, because when you find the right one you'll want to call her back.

Second, adjust your attitude. You want all you can get. You're greedy. The government owes you this, and today is collection day. Go after the benefits. File forms, keep meticulous records, and if you have to go anywhere in person start talking to the people around you who have been through the system. They'll tell you what to say and who to talk to, what topics to avoid, that kind of thing. You have to learn this stuff or you'll never get anything.

If you want to talk to a caseworker, start calling and call every ten minutes until you get through. The people there will lie about the caseworker's availability. Keep calling and escalate to supervisors. Think: You, the recipient of the social service, have time. Use the time you have to do the one thing they don't want you to do: persist in collecting your benefits.

Your mom can call city government as well. Call Bell's office and ask to speak with Mayor Finkbeiner - then, when the staff corrects you, tell them that since Mayor Bell won't help you, maybe it's time to drop back to Carty. See?

Almost finally, start becoming part of the cash economy. If your mom can do odd jobs or babysit or anything like that, have her start work on a cash only basis. At her income level several hundred extra each month makes a huge difference.

And, Finally, you wrote: We help her each month, to the tune of almost $500.

Pay it, Ace. Consider it a privilege to be able to do so. Think about who raised you and took care of you, then each month ask yourself if your own mother's care is worth $500 today. Hardship my ass...

posted by madjack on Feb 13, 2012 at 07:08:51 pm     #   1 person liked this



I'll be following jack's advice if I'm ever in a similar situation. But I would like to add that each time you call or leave a message or talk to someone, be unfailingly polite and gracious.

posted by viola on Feb 14, 2012 at 10:59:38 am     #  



Sell her assets and have her move in with you. It's your mother.

posted by AmericanPie on Feb 14, 2012 at 11:54:45 pm     #   1 person liked this



...talk to someone, be unfailingly polite and gracious.

What she said. Never lose your temper. You can come and vent here on TT and we'll cheer you on. Besides, when you're polite you piss them off royally.

posted by madjack on Feb 15, 2012 at 12:32:36 am     #  


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