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Ask Stephanie O Joy, Esq Your Own Question
Stephanie O Joy, Esq
Stephanie O Joy, Esq, Soc. Sec. Attorney
Category: Social Security
Satisfied Customers: 13446
Experience:  19+ years legal exp. - 10+ years owning/operating her own SSD Law practice.
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With the mind of an 8 yr. old at times.she when she was born

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with the mind of an 8 yr. old at times.she when she was born her mom was drunk she was very small and stressed.she's under a doctor care take medication daily.she is 18 and don't know how to count money nor does she know how to comb her hair she knows how to pull the comb through it she dosen't know how to cook and she has a very bad problems focusing.i want to do what I can to make sure that when I am gone she will be provided for
JA: The Retirement Accountant will know how to help. Is there anything else important you think the Retirement Accountant should know?
Customer: that she has a real bad problem focusing.one half of the time she just has problems understanding.

Hi, my name is***** have been practicing SS LAW full time for 10+ years and look forward to assisting you.

How are you related to the 18 year old young lady, may I ask?

Customer: replied 2 months ago.
granddaughter guardian

OK, she applied (with help, of course) for SSI? Is she getting that benefit from the federal government?

Also, what is the status of her legal parents?

Customer: replied 2 months ago.
No she does not receive goverment benefits.her parents divorce.her dad has remarried and mother too.

OK, she can apply for SSI immediately. SSI is not social security, but it is a program for the disabled poor, and can provide up to $735/month, currently. Some states also add a supplement amount to that $735.

Any other income she gets, including the value of shelter if gifted to her, will count againt that $735. If she lives with you, then you want to make sure you start to have a renting arrangement with her, where you charge her the proportionate share of mortgage or rent, plus basic utilities and food, so that she is not deemed to have her shelter given to her, because then they will knock her benefit down by about 1/3, since that part for shelter is no longer warranted. Consider the rent arrangement, so that amount will still come in the household, in the form of going to her as part of the 735, then X amount (say, for instance, you figure the math to be $500 for her), going from her to you. You can always use it in acceptable ways FOR her, that will not impede her SSI full benefit amount.

As for her future: She can remain on SSI indefinitely , so long as disabled and the very strict rule on having extremely small savings and no real income. By getting her on SSI now, at 18, you can keep those medical records and proof safely filed at home, so one day, when her legal parent(s) either retires, become SS disabled, or passes away, she can then file for Social Security Disabled Adult Child Benefit (Child's Disabled Benefit) based on that parent's work record. That will get her off of SSI and onto Social Security DAC, which is a little less strict and she will have more options in life, including being allowed to inherit money (which she can't safely do while on SSI, ergo, it is beneficial to get Social Security if possible). She has to prove only that she was disabled before age 22, which will be easy because she will already have proven that for SSI benefit, at 18.

I hope this helps! My goal is to provide you with excellent and accurateservice – if you feel you have gotten anything less, please reply back, I am happy to address follow-up questions.

Kindly rate me "excellent" when you aredone. I look forward to assisting you in the future, should you have legal questions. Be sure to start future posts with "To ***** Esq., ONLY" if you want me to specifically answer it.

Sincerely, ***** ***** Joy, Esq.

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