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Cheezoholic

(3,217 posts)
Mon Aug 18, 2025, 08:33 PM Monday

I finally got my SSDI to go through in April but have been fighting something I feel is insane since

I struggled for nearly 3 years, food pantry's, friends, utility assistance, SNAP and I was awarded it finally in April. I didn't even have a bank account, just a prepaid card. Imagine my delight when I got a nice back pay check . In order to cash it of course I needed to open a new bank account. I also didn't want to have all that cash in my house for good reason. I qualified for extra help when they put me on Medicare thank goodness so my drugs are costing me a couple of dollars a month (I was on state Medicaid prior and they were free, still no biggie). My SSDI monthly income checks keep me below the asset requirement my state has so that they were paying my Part B premium.

Insane part? They notified me last week they were no longer going to pay my part B premium as I had exceeded the states asset/resource limit. I asked how? It was the money in the bank. I cannot believe they can count back pay as a resource, its basically a lump sum payment of my back weekly disability check, which if paid on a weekly basis would've kept me well below the resource limit. Personally I find this insane and a rip off. I don't need nursing home care but I cant work. If I put it in a Miller Trust, they will pay my premium but I will lose access to that money. How is this fair by any stretch? I am not gaming or cheating the system. I was actually told by someone at the FSSA office I should've held onto the check for 3 months then cashed it. Is that what disabled people are supposed to do? just not cash their back pay checks or if they can don't use a bank in your name? Here's your money, fuck you you cant use it without us getting it all back. I get that that happens if you have private insurance covering your disability while your waiting but I didn't. I had bare bones HIP they call it in Indiana.

Now, to top it all off while I'm fighting this, I've just turned 63 a week ago and FSSA is saying I'm not on disability, I'm on regular Social Security. When I log into my SS account it specifically states I'm getting disability (SSDI not SSI of course)) payments. And to top it off again, my state, IN, is very restrictive on who can get a Medigap plan should I need one. I have until 10/1 to straighten all of this out. I'm scared to death (literally) if I can't get a Medigap plan I will go beyond the 6 month window and when I can get one when I'm 65 they will be able to go back on me for my health issues and jack me all to hell. WTF man?

This shouldn't be this hard. And if I didn't log into all my accounts weekly to check on things because I'm new to this I wouldn't ave known anything was happening because when I get the notices in the mail they are 2 weeks behind the documents online.

Like I said, this is all insane.

5 replies = new reply since forum marked as read
Highlight: NoneDon't highlight anything 5 newestHighlight 5 most recent replies
I finally got my SSDI to go through in April but have been fighting something I feel is insane since (Original Post) Cheezoholic Monday OP
Damn, that's frustrating and crazy. Fingers crossed you find the right place to get it fixed. MLAA Monday #1
Really sorry to hear that Cheezaholic jfz9580m Monday #2
Ugh IbogaProject Monday #3
sadly Timewas Monday #4
Shit happens, unfortunately. PoindexterOglethorpe Tuesday #5

MLAA

(19,413 posts)
1. Damn, that's frustrating and crazy. Fingers crossed you find the right place to get it fixed.
Mon Aug 18, 2025, 09:22 PM
Monday

jfz9580m

(15,790 posts)
2. Really sorry to hear that Cheezaholic
Mon Aug 18, 2025, 09:36 PM
Monday

No one should have to deal with stuff like this in their sixties. You shouldn’t have to say that you are not gaming the system etc. It’s a testament to how broken American media is that you have to say that.

I don’t understand this war on its own people the American govt seems to be engaged in while parasitic billionaires and defence contractors rip society off.

Venture welfare is the real welfare queen in America and if there was a real press that would be obvious. These are grifters whom contribute nothing and rip people off..

I am not American and one of the things that has made my life easier as a divorced, only child with no children is that both my parents had/have decent pensions (as former public servants) and healthcare.

I really hope for future generations’ sake my country does not copy America. Here too grifting and not very bright economists talk about “freebies for the poor”. Economics is not a hard science unlike Physics, Chemistry, Biology and Medicine and less reality-based and more political than those. Good scam to make the general public suspicious of real hard science while making a right leaning, far more bullshitty soft science this influential in public policy.

These are people again who contribute nothing to society, but scam their way forward. And until that is called out by people and the media we will be exploiting and ripping people off to feed an overfed parasitic billionaire class that produces little of value (unless junk capitalism -AI, crypto, social media etc are considered actually useful rather than the drains on human attention and human health they are).

I recently read Chomsky’s take on the NYT. I am not particularly a Chomsky acolyte -he has his moments. But I agreed with him that the NYT is mostly not liberal or conservative and merely amoral and mercenary. He may not have put it in those terms..

I hope things get better for you. Not one thing you describe is fair. It also sounds like all the opposition to “red-tape and bureaucracy” only applies to corrupt corporations intent on deregulation not when it is about making lives easier for your citizens. Again something where my country would be wise to not copy America.

IbogaProject

(4,828 posts)
3. Ugh
Mon Aug 18, 2025, 09:49 PM
Monday

Our country is so insane with all this, health care should be cradle to grave. If they need a little money to cover tourists and migrants they can add a small travel tax and hit the employers of migrants.

Timewas

(2,499 posts)
4. sadly
Mon Aug 18, 2025, 09:54 PM
Monday

This is normal for SSDI... you are not allowed to have above a certain amount in the bank. Recipients usually forced to "spend it down"

PoindexterOglethorpe

(28,039 posts)
5. Shit happens, unfortunately.
Tue Aug 19, 2025, 12:18 AM
Tuesday

I had something very similar happen when I started collected SS at aged 66. That first year my income was high enough (I honestly forget why this was the case) that I had to pay some relatively huge amount (to me it was huge, perhaps $150/month) for my Medicare. I could afford it, I wasn't going to be going hungry or unable to pay some other bill, but it was quite annoying.

And then I remember the various times in my life I've gone hungry, or just barely been able to buy food, and I realize I really am lucky and well off.

Latest Discussions»Issue Forums»Social Security & Medicare»I finally got my SSDI to ...