Can I receive SSI benefits while living in a nursing home?
Can SSI contribute to senior living expenses such as nursing home care, a question asked by seniors and their families? The answer is yes or no depending on your financial status.
Social Security Insurance or SSI benefit income is distributed by the U.S. Government agency from funds collected through general taxation of working citizens. The primary use of SSI is to assist senior adults aged 65 and older that have very limited income. Those receiving SSI are free to use the monies for their day to day living expenses such as food, clothing and housing.
Does SSI Pay for Nursing Home Care
The Federal SSI program is designed for citizens who have worked during their productive years and contributed through their employer, payments into the system. A qualified SSI recipient can use their SSI compensation to supplement payment for housing, nursing care or any other expense. However, it simply is not enough income to cover the entire costs of living. Yes SSI benefits can be received while living in a nursing home. The disbursement of funds is oftentimes part of the contractual living agreement or arrangements with the Housing Agency.
Finances and SSI Housing Benefits
SSI can be used to pay for housing expenses however; the amounts are usually far below rental costs. The federal allotment is less than adequate to cover nursing care. Some housing care facilities have arrangements with local and federal government agencies to charge a reduced rate to seniors with limited income. If a senior adult agrees to such an arrangement, they receive a portion of income for daily expenses with the remainder of their SSI benefits going directly to the Nursing Home Care facility. If your income qualifies you for SSI, you are automatically eligible for Medicaid, which most often covers Nursing Home care expenses.
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