Arkansas Arkansas does not offer an Optional State Supplement for residents regardless of their living situation.
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However, Arkansas puts a cap on the amount that assisted living communities that accept Medicaid can charge Medicaid-eligible residents for room and board. That cap is equal to the federal SSI payment minus a personal needs allowance. Stated another way, if someone is eligible for the federal SSI benefit , that benefit will be sufficient to cover their room and board fees in assisted living. Arkansas is also home to some of the most affordable assisted living in the country. In addition, California limits the amount assisted living residences that accept Medicaid can charge Medicaid recipients for room and board.
Assisted living in CA is considerably less expensive as one moves inland, away from the coast.
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Pricing is available here and help finding care here. Colorado also has an Adult Foster Care program for SSI recipients who prefer a home-like environment to assisted living. Connecticut Connecticut offers an Optional State Supplement for room and board. However, one should be careful in assuming that all communities are eligible. A free service is available to help find residential care homes in CT.
One should inquire closely whether or not the community accepts the OSS. The dollar value of the OSS varies with the day rate of the residential care home and with the income of the beneficiary. Free assistance is also available to help families find assisted living within their means. The amount of the supplement varies dependent on the number of residents in the assisted living community.
This is high relative to most states, but DC also has some of the highest assisted living costs in the U. One might find less expensive assisted living in the surrounding area. Families might also find more affordable assisted living by moving inland from the Gulf and Atlantic coastlines. Georgia Unfortunately, Georgia does not have an Optional State Supplement for residents of assisted living or adult foster care homes. For Georgia residents on Medicaid who live in assisted living communities that accept Medicaid, the state limits the amount the residence can charge for room and board.
It is set equal to the federal SSI benefit. One can search for other financial assistance for aging care here. State residents might want to search for other forms of financial help for care. Idaho Idaho provides an Optional State Supplement to SSI-eligible residents who live in assisted living communities or licensed adult foster care home.
Not every assisted living community is certified to receive the OSS. One can find assisted living communities here , but be sure to inquire if they accept OSS. However, the definition is strict, and in practice, very few persons benefit from this type of assistance.
Fortunately, another option exists for low-income Illinois residents in the form of the Supportive Living Waiver. Indiana Indiana does not offer Social Security supplementation to its residents regardless of their living situation. For Medicaid-eligible Hoosiers living in assisted living residences that accept Medicaid, the state limits how much the residence can charge the individual for room and board. The cap is set equal to the federal SSI benefit.
Therefore, Medicaid recipients in assisted living have their room and board covered. Residential Care Facilities in Iowa are limited to persons that have an order from a doctor prescribing that level of care. Generally speaking, this is a higher level of care than is offered in assisted living, but lower than a nursing home. Assistance is available to help find Residential Care Facilities.
Be sure to confirm they accept the OSS. Kansas Kansas does not offer a Social Security Optional State Supplement to persons living in assisted living or adult foster care homes. Fortunately, the cost of assisted living in Kansas is at or below the national average, and free assistance is available to help families find assisted living residences that they can afford. Furthermore, state regulations require that the personal care home accept the combination of the federal SSI and the state supplement for room and board for persons who are SSI-eligible.
Help is available for families to locate assisted living or adult foster care homes that accept the OSS. However, it is strongly suggested that families confirm with the home or community directly. Louisiana Louisiana has an Optional State Social Security Supplement, but not for persons who reside in assisted living or adult foster care homes.
However, the state does have a non-Social Security related program to help low-income elderly individuals, which is called the Permanent Supportive Housing Program.
Maine defines assisted living broadly to include not just assisted living homes, but also independent living, Residential Care Facilities, and other Private Non-Medical Institutions. Free assistance is also available in the state to help families locate residences that will meet their care needs and affordability.
However, actual subsidy amounts vary with the individual and the county in which they reside. More information. Families can get help finding assisted living homes here , but need to confirm the home accepts the OSS. Help finding homes is available here. For Medicaid-eligible persons, the state also sets the legal limit for monthly room and board charges in assisted living equal to the federal SSI benefit plus the Optional State Supplement.
Assistance is also available in the state to help families find assisted living that meets their needs and affordability requirements. Mississippi Unfortunately, Mississippi is one of several states that does not offer a Social Security state supplement for assisted living room and board fees.
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Missouri Missouri offers two different levels of optional Social Security supplements depending on which type of residential care the person resides. Beneficiaries must be financially eligible by qualifying for the federal SSI benefit. Applicants must be eligible for the federal SSI benefit and reside in an assisted living residence, which the state defines as having at least four occupants receiving care that are not related to the owner of the property.
One can search for residences here , but be sure to inquire if they accept the OSS. However, Nevada limits the total number of occupants to 16 or less. One can locate homes here , but be sure to inquire about the number of residents.
To search for assisted living in NH, click here. One should inquire with each residence to confirm they accept the OSS. To further assist Medicaid-eligible, assisted living residents, the state limits the amount assisted living residences can charge for room and board. NJ sets this amount equal to the federal SSI benefit plus the optional state supplement. Persons ineligible for Medicaid can get assistance finding affordable assisted living in NJ here. While the amount provided is less than in many states, assisted living room and board fees in New Mexico are also less expensive than in many states.
For New Mexico assisted living costs, click here. In fact, the state offers a range dependent on the type of assisted living in which one resides and where within the state they reside. Generally speaking, persons with higher care needs and who live in more urban areas are eligible to receive a higher level of financial assistance. Find ALRs or family care homes here. North Carolina North Carolina provides assistance from both the state and individual counties for room and board for assisted living residents and for those living in Special Care Units SCU.
To be clear, this supplement is in additional to the federal SSI benefit. North Dakota North Dakota does not supplement Social Security payments for room and board for assisted living residents. However, the state does limit how much an assisted living residence can charge a Medicaid-eligible resident for room and board. The cap is set very close to the federal SSI monthly payment.
In other words, Medicaid eligible, assisted living residents should receive enough Social Security assistance to cover their room and board fees in assisted living. Fortunately, assisted living costs in ND are below the national average unlike home care in ND, which is well above the average. However, these homes are limited to serving a maximum of 16 individuals. Of course, this could be even greater for high earners who choose to delay claiming their benefit. Many Americans don't realize there's quite a bit more to Social Security than just monthly benefits for retired workers.
Married individuals who haven't worked, or who earned much less than their spouse, may qualify for retirement income through spousal benefits. There's a lot more to spousal benefits than can be explained in just a few paragraphs, but the short version is that if one spouse's primary insurance amount is less than half of the other spouse's, a spousal benefit can kick in to bring it up to one-half the higher earner's benefit. As with benefits for retired workers, Social Security spousal benefits will be permanently reduced if claimed before the recipient reaches full retirement age regardless of the age of the worker whose record is being considered.
However, an important distinction is that the reduction percentages are slightly different for spousal benefits. Specifically, spousal benefits will be reduced for early claimers based on these two rules:. A condition of receiving a spousal benefit is that the primary earner must have claimed their own benefit and must currently be collecting it. So even if you reach full retirement age, you can't collect a benefit based on your spouse's work record until they start collecting their retirement benefit. The short answer is yes.
You are free to claim Social Security at any time after you reach age 62, regardless of your employment status. However, if you haven't reached full retirement age, then some or all of your benefits will be withheld if your earnings exceed a certain threshold. This is known as the Social Security earnings test , and it effectively groups working Social Security beneficiaries into three categories:.
Each year, the SSA evaluates inflation data and increases Social Security benefits for existing beneficiaries accordingly. When this inflation index rises, benefits are raised by the same amount for all Social Security recipients, starting with the January benefit payment. For , this cost-of-living adjustment or COLA, is 2. It's also worth mentioning that if there is no inflation in a given year, no COLA would be given.
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And if there is a drop in the CPI-W i. Another Social Security program that isn't well-understood by many Americans is survivors benefits. That is, if you die, certain surviving members of your family could collect benefits based on your work record. If the SSA has determined that you have a qualifying disability and that you've worked enough to qualify for benefits, you can get monthly Social Security income under this program.