Monthly Benefits and Other Financial Help

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Will a Child Tax Credit (CTC) payment affect my Supplemental Security Income (SSI) eligibility or payment amount?

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While the CTC is not considered disaster assistance under our rules, we do not consider the CTC as income and resources for 12 months for SSI purposes. Receiving the CTC will not affect your SSI.

Does COVID-19 financial assistance affect my Supplemental Security Income (SSI) eligibility or payment?

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We determined that, under our rules, COVID-related financial assistance would not affect eligibility for SSI or the monthly SSI payment amount. Specifically, we do not count the financial assistance listed below against your eligibility or payment amount. We are reviewing SSI claims and other SSI records going back to the beginning of the COVID-19 pandemic to restore SSI payments for people whose SSI was affected by receiving any of the assistance listed below.

What should I do if my SSI was affected because I received, or still receive, any of the assistance listed below?

In most cases, you do not need to do anything. If we do not need any information from you to restore your SSI payment, we will restore your SSI payment and we will mail you a letter explaining the change. We will send the letter to the most recent address we have available for you. If you have an appointed representative, or a representative payee, we will also send this information to your representative.

If we need information from you first, or if we need to take a new SSI claim, we will mail you a letter. The letter will explain that we need to talk with you at a scheduled appointment. If your SSI stopped because you received or still receive the assistance below, and you moved since your SSI stopped, please call your local office to report your move and talk with us. You can find the phone number by accessing our office locator.

What should I do if I was denied SSI because I was receiving any of the assistance listed below or I had received the assistance and saved the money?

We will contact you by mail to tell you what you need to do. You do not need to call before you hear from us unless you have moved since your claim was denied.

I was not already receiving SSI, but interested in applying for it. What should I do?

If you were not receiving SSI, and you receive, or you are thinking about applying for, any assistance listed below, you can apply for SSI without worry by calling SSA’s toll-free number at 1-800-772-1213.

What COVID-19 financial assistance does not count against SSI eligibility or SSI payment amount?

  • Economic Impact Payments (EIP)
  • State Stimulus Payments (Some exclusions may apply.)
  • Unemployment Assistance (also includes regular unemployment)
  • Paycheck Protection Program (PPP): Loan Forgiveness to Employers and Self-Employed Individuals
  • Economic Injury Disaster Loan (EIDL) Program: Loans/Grants to Employers and Self-Employed Individuals /Grants
  • Coronavirus Food Assistance Program – Direct Payments to Farmers and Ranchers
  • COVID-19 Veteran Rapid Retraining Assistance Program
  • COVID-19 Funeral Assistance
  • Emergency Rental Assistance Fund
  • Emergency Assistance for Rural Housing/Rural Rental Assistance
  • Homeowner Assistance Fund
  • Housing Assistance and Supportive Services Programs for Native Americans
  • Tribal Payments from the Coronavirus Relief Fund and the Coronavirus State and Local Fiscal Recovery Funds
  • Supporting Foster Youth and Families
  • Higher Education Emergency Relief Fund
  • Emergency Assistance to Children and Families through the Pandemic Emergency Assistance Fund
  • Farm Loan Assistance for Socially Disadvantaged Farmers and Ranchers
  • USDA Assistance and Support for Socially Disadvantaged Farmers, Ranchers, Forest Land Owners and Operators, and Groups

Someone filed an unemployment claim using my information and it wasn’t me. What can I do?

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The Financial Crimes Enforcement Network (FINCEN) has identified multiple fraud schemes in which filers submit applications for unemployment insurance (UI) benefits using other people’s information. Receiving unemployment benefits could affect the amount of monthly benefits you receive. If you believe you are a victim of this fraud scheme:

  • Contact your appropriate State fraud UI hotline to report the fraud. The Department of Labor has phone numbers for each state fraud hotline.
  • When you report the fraud, request that they provide you with written documentation that you have reported the alleged fraud. At a minimum, request a case number for your fraud report, and write down the case number, the name of the person you spoke to, and the time and date of your call.
  • Retain this information, along with any written confirmations, to ensure you can provide evidence that you reported the fraud if you need it later.
  • If you receive Supplemental Security Income benefits, and you suspect UI fraud, contact your local Social Security Office immediately.

SSA ended my disability benefits because of a CDR determination. I submitted a request for reconsideration to appeal SSA’s decision, but I did not elect that my disability benefits should continue. Can I now request that my benefits continue (or resume) until there is a determination on my appeal?

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Yes. You may, at any time, submit a late request to continue (or resume) your benefits while we make a determination on your appeal. We will grant the request if you provide a good reason. We have experienced delays in processing certain requests for reconsideration of initial disability cessation determinations (including age-18 redeterminations) during the Coronavirus Disease 2019 (COVID-19) pandemic. We will accept this delay as a good reason to resume benefit payments when you file a late request and the following apply:

  • The determination notice ending your disability benefits (notice of cessation) is dated on or before August 30, 2020; and
  • Your request for reconsideration of the cessation determination is still pending with us.

I received financial assistance under the CARES Act Higher Education Emergency Relief Fund. Will this affect my Supplemental Security Income payment?

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We do not consider Higher Education Emergency Relief Fund financial assistance as income or a resource for SSI purposes. Receipt of this assistance will not affect your SSI payment.

Will unemployment benefits affect my Supplemental Security Income payment?

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Unemployment insurance benefits are considered unearned income. If you, your spouse, or a child living in your household have any income other than your Supplemental Security Income (SSI) payment, including unemployment insurance benefits, you must tell us.

To learn more about SSI and how income affects your payment, read What You Need to Know When You Get Supplemental Security Income (SSI).

Will unemployment benefits affect my Social Security benefits?

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Unemployment benefits do not affect or reduce retirement and disability benefits. State unemployment compensation payments are not wages because they are paid due to unemployment rather than employment. However, income from Social Security may reduce your unemployment compensation.

Contact your state unemployment office for information on how your state applies the reduction.

How Do I File for Unemployment Insurance?

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We are unable to answer questions about unemployment insurance as each state administers its own program. Learn more here.

Will I continue to receive my Social Security benefit or Supplemental Security Income payment if I use Direct Deposit?

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Yes. You will continue to receive your monthly benefit amount if you use Direct Deposit.

Will I still receive my Social Security benefit or Supplemental Security Income payment by mail?

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Yes. Please visit the United States Postal Service for their latest statements about COVID-19. You can visit our website to learn how to sign up for Direct Deposit.