ssi dedicated account

Val - posted on 03/02/2011 ( 60 moms have responded )

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I am again looking for ideas. I too have an autistic child who 10 years old she also has adhd,low muscle tone and anxiety. She was just been approved for SSI. She is going to receive back pay and I have to put it into the dedicated account. OK that that is great it's hers OK but they say I can use it only for nursing care, school, .personal needs (not food,clothes,or utilities or therapy or rehabilitation assistance , OK well she is 10 and autism camp is great idea! she doesn't need nurses or wheelchairs etc. so how can I use this money to benefit her?? Any ideas? I wish I could use it to get her school clothes and things. And I too need my car fixed but have no idea what I can and cannot do. The list is not very clear and social security is not helpful.
Anyone know how to use this money? She does has violent fits and destroyed furniture can this be used for this? Please tell me how to use this?How did others use it? Help!!This is not ssdi or adult ssi.:confused:

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Rochell - posted on 10/01/2011

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Yessss, you can use it for furniture, home modifications (is anything in the home that benefits the child) We got air conditioners, reclining couch ... and if you get a letter from the doctor saying that something specific would benefit the child, you can get it. They say only medical etc., but the dumb part of that is usually by the time SSI kicks in, you've already taken care of most of it, or the insurance has covered it. My son's doctor even wrote a letter saying specific games would help his hand and feet coordination like the Smart Cycle etc., As for clothes... we were able to use it for special clothing.. like the weighted clothes that you can be through Occupational or Physical Therapy, but not for regular clothes. We used our son's to basically redo our house and fix everything he damaged. Just keep all receipts. Good luck!

Laura - posted on 01/06/2012

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What Beth is telling you is right. You do have to get things approved ahead of time in terms of spending the Back Pay which is very different than the regular month amounts received. Our son is blind and so we have used the money to buy him books, resources with Braille. We have bought him canes and we are about to use some of it to purchase new glasses for him (even though the glasses don't do much). Though I had been told by someone that if your child destroys or breaks something as a result of there disability (not just because they are a kid) that you can use that money to replace the damaged item.

Yvonne - posted on 02/15/2012

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my daughter has a dedicated account (she has had it for a few years) and now she is 17, she has autism, severe photo-sensitivity and a few other medical issues . I called social security today and asked a question that our regional csc asked me, "what happens to the money when she turns 18?" social security told me, the money stays theirs forever, but if it was awarded to them as a minor then the same rules and requirements apply for as along as they have money in the account. For us we only used it twice; once to buy her a laptop, since writing is hard for her (she has atrophy of her hand muscles) and for glasses with transitional lens (our insurance would not cover the transitional lens (even though she is photosensitive to light). Other than that, it doesn't cover much. I was told only for medical, educational and all purchases must be approved first with estimates and letters stating why the purchased is required. as you can imagine, usually i just pay for it myself and not ask for it back. Only time i make a request is when i cannot afford it. I was also told that i can pay for it myself and then submit receipts, with a letter stating why it was required, if medically needed then proof of medical need, and then it will submitted and if approved then i will get my money back. I don't think it's the greatest system, but i have no choice... I follow the rules exactly and i make copies like crazy and write all my notes on the back of my copies. I would rather deal with this headache then have some one else making financial decisions for my child...

Beth - posted on 10/20/2011

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I never heard that before. I was told once they turn 18 the money can be spent and not accounted for. My husband and I had too much income so my daughter lost her SSI for a while. After she turned 18 she reapplied and was approved again, not counting our income this time. The money from the dedicated account was spent and not one word was ever said or asked about it.

Yvonne - posted on 02/15/2012

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The representative payee for a disabled child under age 18 who is eligible for large past–due payments (usually any payment covering more than six months of the current benefit rate) is required to open a separate account at a financial institution.



The past–due payments will be deposited directly into that "dedicated account", and the use of these funds is restricted.





What are the requirements for a dedicated account?



A dedicated account must be separate from the account used for the regular monthly benefit payment and can only be a checking, savings, or money market account.



Other funds, except for certain past–due SSI benefits, cannot be commingled with the funds in the dedicated account.



The account cannot be in the form of certificates of deposit, mutual funds, stocks, bonds, or trusts.



Title must show the child owns the funds, including interest.

How can you use the money in the dedicated account?

You can use the money only for the following expenses:





medical treatment; and



education or job skills training.

We also allow the following expenses, if they benefit the child and are related to the child's impairment:





personal needs or assistance (for example, in–home nursing care);



special equipment;



housing modification;



therapy or rehabilitation; or



other items or services approved by your local Social Security office, like legal fees incurred by the child in establishing a claim for disabled child's benefits.

You may not use these monies for basic monthly maintenance costs such as food, clothing, or shelter. You must use the regular monthly SSI benefit for the child's food, clothing, or shelter.



If there are any questions on use of the funds, contact your local Social Security office.

This conversation has been closed to further comments

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NORMA - posted on 12/18/2011

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Would the camp help her improve her condition? Is therapy included at the camp? I would copy a detail list of what the camp offers for your daughter, and then call someone from SSI. You may want to keep receipts of any damages she caused in the home. School materials are covered, and special clothing.

Beth - posted on 10/21/2011

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They will not imprison you I am sure. If you spent money they do not approve of you will need to pay it back. When my ex and I were still married, he was payee for my daughter and mispent money. SS admin. made him pay it back in monthly payments, I became payee then. I became payee also due to the fact that were were divorcing and daughter was going to live with me. Do you have receipts for anything you spent the money on? If not, can you at least make a list of items purchased and the dollar amounts for them? That might help.

Iridescent - posted on 10/20/2011

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Mandy, I am sorry you are going through this. I suggest you seek legal aid. I do thank you for sharing your experience with us, as this is exactly what I was trying to explain to some others here in this post. Just because SSA doesn't review your actions with the account on a regular basis does not mean they never will, and if you haven't followed their directions (however unclear) to the letter, you are responsible for those funds. It's very hard! I believe you can file for a waiver, but since the amount is over $1,000 they do not have to grant it. I do not believe imprisonment is a possibility, but I am not certain on that; I do think that if you file a waiver and it is granted it is not a problem. Also, if it is not granted, you can repay it but you must sign an agreement and stick to it for a set amount monthly, like with overpayments from SSI, but again I'm not certain. Again, I highly suggest you seek legal aid.

Mandy - posted on 10/20/2011

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I had always believed that once he turned 18 the dedicated account could be closed out too. Imagine my surprise when she said that i was wrong.. On top of that my son has been Disabled since 2003. I opened the account in 2006 when he finally got approved. The SSA only Made 2 deposits into the account totaling $4,400 of the original $12,000 he was owed for back payment.I never called about the rest of the money because I believed he would get the rest when he turned 18. Well needless to say he turned 18 earlier this year and was spending $$ from the dedicated account unknowing it was prohibited. Now I just has his telephone review because I'm his Payee and the SSA worker told me he has a balance that needs to be deposited but FIRST she has to make sure the money that was deposited before has not been touched and if it was I have to be prepared to account for every dollar and show it was disability related spending because I am the payee I am solely responsible.. I'm a nervous wreck right , could I be imprisoned for allowing him to spend that money? I can not pay that money back what am I going to do? I have 2 small children to worry about I can not risk going to jail. This is causing me sleepless nights. Can anyone help?

Mandy - posted on 10/19/2011

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I just talked to the SSA worker and I have found out some Information that I think everyone needs to know.. Myself like some of you, thought once the child turned 18 that the monies in the dedicated account can be spent on whatever the child decides. such as a vehicle, apartment furnishings, etc. but that is NOT true. The SSA worker just told me that the Dedicated Account Must remain Open no matter how old the child is. and can only be used for disability related costs. So nO vehicle for my son who has depended on that money to buy his first car since he was 16. This is crazy!! She also said that even if he is someday no longer disabled he will still have to account for every dollar he spends from that account and if he spends it on something not approved he will have to pay it back. Well if he is some day "no longer disabled" how do they expect him to spend the money if it is only to be spent on disability related costs???? Anyone have any ideas on this that can help? I am new to this forum so please excuse me if this has been talked about previously.

Rochell - posted on 10/01/2011

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One other idea... it can be used for outings that can be considered theraputic. We got family summer pool passes, the roller rink went to a water park a day and we paid for that, and we tried out martial arts. This can all be considered life skills... and when they give you the receipt ask them to put Life Skills right on it.

Iridescent - posted on 09/25/2011

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It's possible, but to use that money at all you have to have it approved by the worker first, whether it's an allowed expense or not, from a dedicated account. So call her tomorrow and find out if she wants more info, or if you're free to do so.

Shawnna - posted on 09/25/2011

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i have a child getting a backpay from ssi and its going into a dedicated account and i want to purchase a car right off can i do that does anyone know do i have to ask for permission and we dont have a car and he goes to appointments in rapid city sd thats like 2hrs away from here but he does do occupational therapy.

Terri - posted on 03/27/2011

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call, a financial advisor who specializes in special needs trusts, you may be able to put some of the money into that and tehn make withdrawals to use for her needs. You definitely need some help also when you call the 1800 # hit 0 and you will get an operator, or go to the soc sec. offices closte to you in person.

Barbara - posted on 03/24/2011

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When my daughter got her back check you used some of the money to go see a specialist to get a second opion. I payed for our hotel and food I dont know why they would not let you use some of it for camp but also talk to the camp there are at most camp schlorships to assist families. My son who has autism has been to camp since he was 8 and the most that we have to pay after scholorships is 150 dollars looked to you and your daughter. You can buy her a computer to help with homework or communication if she needs it

Beth - posted on 03/23/2011

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What do you mean that is was sent back to the IRS? The internal revenue service doesn't issue back pay. Savings and checking account shouldn't have the exact same account number, at least in my experience they have never been the exact same.

Val - posted on 03/23/2011

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She put it into a savings account with the same number although I told her it was checking. I am so mad!!!It was sent back to the irs and now they will have to reissue a new check or contact ssi and get the correct bank info.

Beth - posted on 03/23/2011

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Sorry this happened to you. I wonder how the heck the worker put it into the wrong account? I wouldn't think it should take too long for them to re-issue it again.

Val - posted on 03/23/2011

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my daughter finally got her back pay and the ssi worker put it into a saving account that was not hers.it was suppose to be put in a checking account.bank said it was sent back yesterday. anyone know when it will be reissued? how long? i got no help from ssi on the time legnth?

Beth - posted on 03/15/2011

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I have never been told the state takes back the money at age 18. I do not know why they would do that, that is not true in my experience. Actually at age 18 the money can be spent on things without getting permission first. If your child is going to live independently at that age, use the money toward a car, apartment, furniture, etc.

Val - posted on 03/15/2011

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What has everyone else used it on? I have had 2 people tell me that at 18 the state takes it back. Not good.Plus I fought for this and want my daughter to use it for her needs.

Val - posted on 03/15/2011

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I finally contacted my worker. 1 week later. She says that she will process everything and have a money ammolunt ready by Friday. She also said that I can buy furniture for Stacie out of the dedicated account and she is now checking if car repairs are ok. Does anyone know of anything else that is allowed??? Are glasses allowed that the insurance won't cover? Gas money to appointments? Stacie has autisum,adha,low muscle tone and anxiety.

Beth - posted on 03/14/2011

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You are correct on this Doris. I guess I forgot the actual reason the dedicated account is required, but I have explained in my posts that you need permission to spend money from the dedicated account and some of the other replies on here suggest that you just spend that money as you see fit, ignoring the fact that doing just as you please is not allowed!

Doris - posted on 03/14/2011

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The reason why you had to get a dedicated account is because SS owed you over 12 months....If it would have been under 12 months you wouldnt have needed a dedicated account. As for what everyone is saying you do need special permission to touch that dedicated account. But your monthly SS check you can spend on what you need...I just went through this a little less then a year ago. Thankfully my sons worker was helpful and explained every little question i had, and then some. If you need anything email me hun... Doris.lincoln@gmail.com

Jessica - posted on 03/14/2011

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My son also recieved that benefit and we used the moneu for many things involving his care. We used some of his dedicated account funds to get second opinions from John Hopkins hospital, we bought him an ipod touch with the proloquo2go software to use as an augmentative communication device. We got him a special feeding seat, paid for transportation to his medical appoinments, etc. I also submitted a request for vehicle repairs, but never followed through. If you can prove its the vehicle you use for her appointments they will most likely approve the repairs. Many of the purchases we made with his dedicated account we did NOT get approved because they directly related to his care. If you are not sure, definately write a formal request. Its better than having to pay the money back.

Val - posted on 03/13/2011

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I like the websites:-) Stacie is intrested in ballet but with her muscle tone I worry.

Beth - posted on 03/12/2011

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There is also a catalog and website called funandfunction.com, they have a Facbook page too, they are pricey, but have lots of things related to autism.

Sarah - posted on 03/12/2011

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her therapists should be able to make some reccomendations on things that might be appropriate for her. For ideas, you can check special needs catalogs such as http://integrationscatalog.com to get some ideas. I could spend SOOO much money in those catalogs, even though my son is fairly high functioning ( his rages are the biggest issue)

Val - posted on 03/12/2011

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I agree with you Sarah. Yvette is going to be too "busy" and I don't feel I should have to get blaimed. I will get Stacie a computer and educational software, replace her bed,dresser,lamp,and get her toy boxes to help with her orgainizing. I will also use it to fix my car. Without is their is no therapy or doctors and I don't have cabs where I live.
any ideas what to get to help with muscle tone?

Sarah - posted on 03/12/2011

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I never actually had a second interview. I did the child disability report online, then called for an intake appointment. he got approved within 2 months! I was fully expecting to have to fight for him to be approved...

as for the meds. I have been lucky enough to find several local friends with children on the spectrum and asked them to who their child's doctor was. We have changed doctors several times since his dx. The last 2 were specialized doctors with the local children's hospital. I would suggest checking to see if your local children's hospital has an "autism clinic" or a "behavior clinic". I am not sure about NH, but here in OH a medicaid card comes with the approval of SSI benefits.

I would use her monthly benefit for clothes and stuff like that. The back pay for BIG items such as furniture. Clothing is specifically named as falling under "personal needs" and allowable out of the monthly check.

Under the section about back payments they suggest "furniture for the beneficiary's personal use, as well as items that may be shared by the entire family, such as a television" and "home improvements to make the home safer or more accessible"...

If they say later that something should not have been purchased with *her* money, or you should have checked first, you simply look back at your log and say " I called daily from to and talked to They all gave messages to her worker, and I never got a call back...

Beth - posted on 03/12/2011

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Any time SSA thinks you need to repay them money for any reason they will notify you by letter. If you disagree you are given a chance to appeal their decision, the process will be explained in the letter.

Val - posted on 03/12/2011

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I think that I will try to see what her insurance does. She has healthy kids gold and I have not tried to use it for her camp before. We are in New Hampshire. Her doctors are not the best at all. We have so many issues with our jeep since it is on a loan and we are upside down in the payments or we would get her a better doctor.
It is hard having kids with disabilitys. I have tried putting her on meds for her anxiety and impulsive actions but they made her so sick. She also did not respond well to them.
How do I ask for forgiveness? If they tell me I can't use it for her clothes can I simply state well I tried to call and had no reply. Will they say I should have come in person. This whole thing is just cunfusing. How long after the 2nd interveiw until something happens?

Sarah - posted on 03/12/2011

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I feel your pain...I really do. My son started biting during his rages about age 10. He bit me during a rage the first week in February, and I STILL have a mark on my leg--and I was wearing thermal underwear and flannel pj pants at the time!

talk to your daughter's doctor about her meds. My son has gone from an all-time high of 17 (major) rages in 28 days down to 3 rages in 10 months since adding a new medication. apparently his rages are caused by bottled up anxiety and depression. he had been on abilify for over a year with no reduction in rages, then we added prozac to it, and suddenly he is a totally different kid!

IMO, special autism camp would totally be something they cannot argue with! We have a local camp, and my son's medicaid card pays for it with homemaker/personal care hours. I just spent $300 in January getting my son a new mattress and special sheets for his bed ( he is a bedwetter due to other medical issues). Since you KNOW that she can be violent and break furniture, try to get either her OT or PT to write a reccomendation for a bed that is going to be a little harder for her to destroy the next time she gets mad.

I still stand by my feelings that if her worker cannot/will not speak to you after a week or so of trying, buy what she *needs* and ask forgiveness later.

Val - posted on 03/12/2011

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It seems wrong.I just want to give my daughter what I can't. She is disabled and all I want to do is use her money to help her.She is not as severe as others but she struggles. Kids are mean. She has no overnights or birthday party invites. She is loud and sticks out. I feel so bad. I want to use this little bit to take her somewhere where kids understand her. Where she is around others with her disorder. I am overwelmed.
As for what I can do with the back pay. according to ssi website car repairs are allowed but need preapprovement. This worker will not call back. Also since she has these angry fits I really hope that I can repace her bed and suck. She gets so angry and breaks things!!!

Sarah - posted on 03/12/2011

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I had a similar issue. Call the 1-800 # and ask THEM for some ideas as your daughter's worker has been unable/unwilling to speak to you about her account. If not, proceed on with what I told you previously.

My son's case was fairly simple. He was 14, almost 15 when i realized he could even qualify. I was prepared to be denied, and was OK with it. I went for intake Aug 2nd, and took a stack of proof an inch thick. The only thing I did not have was pay stubs, although I did give her a copy of our 2009 tax return. I also told her how much my husband brings home every two weeks. She added a measly $200 to that figure and put it as his monthly GROSS income. At the end of September I got a check for like $1100 ( that I almost threw out 'cause I wasn't expecting it) and 2 days later I got another check for over $500...2 weeks later I got an award letter telling me to expect the checks! Then like a month later, after we had sent in the requested pay stubs, they discovered they had overpaid him and requested we re-pay $1200. By that time we had finally spent the $$ because it had been so long. I fought to have the re-payment waived based on the fact that the overpayment was not our fault, and we used it for things like clothing, furnace repairs, doctor co-pays, etc. It was waived.

Val - posted on 03/12/2011

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I have tried for 7 days to reach Stacie's worker Yvette. No luck.What I hear from others in the social security office is simply Yvette is busy. She can only call you between interveiws and noone else can discuss Stacie's case and it is in processing. I am really mad!!!
I was approved by social security administrative judge on the 17th of Febuary one day before I went to court. My lawyer who is useless was able to get it reveiwed then. I got the letter and contacted ssi and had a phone interveiw on the 10th of March. I overnighted all info requested. I was told of possible having to open a dedicated account for Stacie as she is 10. Was told that something would be sent and nothing ever was sent.
I have called each day. I have left messages. No reply.

Sarah - posted on 03/12/2011

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my son has gotten lump sum payments several times, but never more than about 3 months worth, so they never had to go into a dedicated account.

you should be able to go to http://socialsecurity.gov and look for a PDF copy of "a guide for representative payees". It really doesn't lay out concrete rules for how to spend large sums.Try again to contact her worker, and keep track of your attempts. If you still cannot get any guidance, I would say to use it on car parts ( so you can take her to her appointments...) and buy her some sturdy adaptive furniture (for her low muscle tone). Keep the receipts and if they come back later and say you were wrong to buy those things, fight it. Our first lump sum payment was apparently an over-payment because they did not request pay stubs. 3 months later they asked us to pay back $1200. I fought it and won.

Beth - posted on 03/11/2011

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Melissa, not sure if I am misunderstanding your comment with my name in mentioned, referring to the money is for the childs needs. When I said that after the child turns 18 and the dedicated account can be spent on whatever, I did not mean it should be spent on someone other than the child who got the money in the first place. I simply meant there are no strict rules anymore on what the money can be used for as related to the person who gets the SSI.

Erin - posted on 03/11/2011

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It's the only way I've been able to raise my son. Without it, we wouldn't even be able to get to his doctor appoinments, etc. He wouldn't be receiving any of the help he needs without it, especially medicare.

Melissa - posted on 03/11/2011

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I agree Erin, SSI is for the childs needs (Beth) ...period! That is why you apply for it and receive it.

Erin - posted on 03/11/2011

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Yeah, they have never done a very good job at making the rules clear. They make you jump through so many hoops to get what you need.

Beth - posted on 03/11/2011

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Back pay is treated differently than the normal monthly checks. There are restrictions on backpay that their is not on monthly benefits. Once the child turns 18 the backpay in a dedicated account can be used on whatever. I am the representative payee for my daughter also. I am amazed at how much is not known about back pay and dedicated accounts. I am not criticizing any parents, I am directing this comment to the Soc. Sec. Admin., they should make these rules known.

Erin - posted on 03/11/2011

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I've been getting my son's ssi since he was 8 months old. I've never heard of any such restrictions, though I am the representative payee. I hope you can get this resolved. You should be able to use it for her personal needs. I can't imagine that clothing is not considered a personal need, along with gas to get to a doctor's appointment, etc.

Beth - posted on 03/10/2011

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That is a bunch of BS that you can't get any help or calls back. I am not 100%, but I'm fairly sure that furniture wouldn't be allowed, unless it's somehow adaptive to your child's diagnosis, such as a special chair for the low muscle tone for example. Car repairs won't be allowed either I'm fairly sure. Since your worker is not helping, I am going to go against what I said earlier, and say that you should call the 800# for the SS admin. they should be able to help you since the others are not.

Val - posted on 03/10/2011

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anything else it can be usd for?I have thought of buying her more furniture since she has violent fits with her disorder and car repairs to get her to the doctors.Are these allowed? my worker is not helping. Her supervisor simply says she is very busy.So no returned calls and such.

Beth - posted on 03/10/2011

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I've done that too. You need to get a interest bearing savings account. It has to be separate from other money your daughter gets monthly from SSI, I forget exactly how the names have to appear, SS can tell you that. The money just sits there until your daughter turns 18, then it can be used for her on whatever. If you want to use the money for anything else such as camp, computer for school, (braces for her teeth, we were allowed this) you need to get permission first from SS. Does this clear anything up for you?

Val - posted on 03/10/2011

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It is cunfusing. Stacie is 10 and has adhd,low muscle tone,major anxiety and autisum.We were denied for her ssi and got a lawyer. The lawyer took a year and we got an approval for her 2 weeks ago.
I now found out she needs a dedicated account for her 15 months of back pay.

Beth - posted on 03/10/2011

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Val, after a week the woman should be able to call you back. If you can't get anywhere with her calling you back, ask if you can talk to that person's supervisor. Tell that person that the worker will not ever call you back. I know they are busy but a week now? Come on! Yes, 15 months of waiting is a long time, but SS admin. is slow. Good news is that you will get back pay if approved. Let me know if I can help any more. I've been through all of it already.

Val - posted on 03/10/2011

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I tried my daughter worker. It seems she has no time inbetween interveiws. I submitted my child support and bank statemnets last Thursday and it has been a week. MaybeI am a bit impatiet but I have been waiting 15 months now.

Beth - posted on 03/10/2011

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Val, did you call the 800 # or a the number for the local office closest to you? I hate to call the 800#. The nearest office to me is an hour away, I always call there, seems to work out much better. Call the office closest to you and try again to get what you need.

Val - posted on 03/10/2011

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Geez. I can't get ssi to call back at all!I have left messages each day for a week and no help at all. How can I get approval. All the worker said was read the booklet and no surprise the booklet never came here.

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