Quantcast

Subscribe to:
POZ magazine
Newsletters
Join POZ: Facebook MySpace Twitter Pinterest
Tumblr Google+ Flickr Instagram
POZ Personals
Sign In / Join
Username:
Password:
Welcome, Guest. Please login or register.
July 04, 2015, 12:00:39 PM

Login with username, password and session length


Members
Stats
  • Total Posts: 669188
  • Total Topics: 51576
  • Online Today: 183
  • Online Ever: 585
  • (January 07, 2014, 02:31:47 PM)
Users Online

Welcome


Welcome to the POZ/AIDSmeds Community Forums, a round-the-clock discussion area for people with HIV/AIDS, their friends/family/caregivers, and others concerned about HIV/AIDS.  Click on the links below to browse our various forums; scroll down for a glance at the most recent posts; or join in the conversation yourself by registering on the left side of this page.

Privacy Warning:  Please realize that these forums are open to all, and are fully searchable via Google and other search engines. If you are HIV positive and disclose this in our forums, then it is almost the same thing as telling the whole world (or at least the World Wide Web). If this concerns you, then do not use a username or avatar that are self-identifying in any way. We do not allow the deletion of anything you post in these forums, so think before you post.

  • The information shared in these forums, by moderators and members, is designed to complement, not replace, the relationship between an individual and his/her own physician.

  • All members of these forums are, by default, not considered to be licensed medical providers. If otherwise, users must clearly define themselves as such.

  • Forums members must behave at all times with respect and honesty. Posting guidelines, including time-out and banning policies, have been established by the moderators of these forums. Click here for “Am I Infected?” posting guidelines. Click here for posting guidelines pertaining to all other POZ/AIDSmeds community forums.

  • We ask all forums members to provide references for health/medical/scientific information they provide, when it is not a personal experience being discussed. Please provide hyperlinks with full URLs or full citations of published works not available via the Internet. Additionally, all forums members must post information which are true and correct to their knowledge.

  • Product advertisement—including links; banners; editorial content; and clinical trial, study or survey participation—is strictly prohibited by forums members unless permission has been secured from POZ.

To change forums navigation language settings, click here (members only), Register now

Para cambiar sus preferencias de los foros en español, haz clic aquí (sólo miembros), Regístrate ahora

Finished Reading This? You can collapse this or any other box on this page by clicking the symbol in each box.

Author Topic: Marriage and Disability Benefits  (Read 268 times)

0 Members and 1 Guest are viewing this topic.

Offline JR Gabbard

  • Moderator
  • Member
  • Posts: 274
  • Union Jacks
Marriage and Disability Benefits
« on: June 29, 2015, 12:06:25 PM »
Now that marriage is legal for all, before you consider tying the knot, consider the possible effects on your disability benefits.
This is an excellent article about some of the possible consequences.
In short, if you receive SSI and/or Medicaid, getting hitched could reduce or eliminate your monthly benefit or eligibility for care.  Same with VA Indemnity (low-income disabled veterans).  ADAP generally combines incomes for married partners, which might have a negative effect on eligibility as well.
If you think this is grossly unfair, I agree with you.  Here's a Facebook group of activists, if you want to do something about it (also linked in above article).
ON THE BRIGHT SIDE:
Marriage does not reduce SSDI benefits or Medicare eligibility, but surviving spouses can collect a survivor's benefits based on the deceased partner's benefit.  Same goes with VA service-connected benefits, except the VA pays more if the couple lives together.
With private LTD policies, check with the provider to see if you are entitled to more money, or if there are survivor benefits associated with it.
So in short, if you're on benefits and thinking of marriage, see a knowledgeable counselor first.
Mazel Tov!
It goes like this
The fourth, the fifth,
The minor fall, the major lift,
The baffled king composing Hallelujah!

L. Cohen

Offline tednlou2

  • Member
  • Posts: 5,387
Re: Marriage and Disability Benefits
« Reply #1 on: June 30, 2015, 12:18:48 AM »
Many get the Extra-Help for SSDI, which pays the Medicare Part B and D copays, premiums, and deductibles.  Many also get Medicaid to cover the 20% Part B does not.  On Extra Help, many pay just $2-something for generic drugs and $6-something for brand. 

One could say, "Okay, I will now have to pay my Part B and D premiums, so about $200 a month."  That wouldn't be detrimental for many.  However, that 20% is a huge benefit, though.  You would have to start paying 20% for those doc visits, tests, etc.  Giving up that could cost thousands a year.  And, instead of paying those low drug prices, one would be required to pay more-- perhaps much more for their HIV meds.

That is an unfortunate part about this decision.  You can now get married and have all those protections, but it may be a huge financial liability.  Getting married to someone who doesn't make that much per year may have no impact on Extra Help.  But, I believe a married couple cannot make more than about $27k a year combined??

Offline ARMANDO

  • Member
  • Posts: 261
Re: Marriage and Disability Benefits
« Reply #2 on: July 01, 2015, 01:48:42 PM »
THAT DOES IT!!!I WILL DEFINITELY MARRY FOR MONEY!!!!

Offline wolfter

  • Member
  • Posts: 5,186
Re: Marriage and Disability Benefits
« Reply #3 on: July 01, 2015, 02:39:12 PM »
Thanks for taking the time to post this.  Unfortunately, straight people have battled these isssues also.  So we got our equality.

My father and stepmother divorced after 27 years simply to protect their assets after she was dual diagnosed with brain and lung cancer.  They owned a business and the insurance they had would have left them bankrupt after paying for treatment.  5 years of treatment  cost almost 400k out of pocket.
Being honest is not wronging others, continuing the dishonesty is.

Offline bocker3

  • Member
  • Posts: 3,623
  • You gotta enjoy life......
Re: Marriage and Disability Benefits
« Reply #4 on: July 01, 2015, 05:06:37 PM »
That is an unfortunate part about this decision. 

Nope -- there is nothing "unfortunate" about the decision for Marriage Equality!!  It is ALL GOOD -- equality is a good thing.

This is about the fact that if you are married, your income is not just "yours" it is "ours" and income based benefits look at all the income.  So it is a "marriage" issue, in general.  We can't pick and choose what we want -- we get marriage, with all the good and bad that comes with it.

Everyone, gay or straight, needs to look at everything before getting married.  It might hurt benefit eligibility to do so - but then again, you might miss out on other benefits by not doing so.  It's an individual thing and should be looked at from both the short-term impact view and the long-term impact view.

Mike
Atripla - Started 12/05
Reyataz/Norvir - Added 6/06
Labs - Pre-Meds
Sep05 T=350/25% VL98,559
Nov05 288/18%  47,564
Current Labs
May2015 969/28% <20

Offline wolfter

  • Member
  • Posts: 5,186
Re: Marriage and Disability Benefits
« Reply #5 on: July 01, 2015, 05:29:44 PM »
Nope -- there is nothing "unfortunate" about the decision for Marriage Equality!!  It is ALL GOOD -- equality is a good thing.

This is about the fact that if you are married, your income is not just "yours" it is "ours" and income based benefits look at all the income.  So it is a "marriage" issue, in general.  We can't pick and choose what we want -- we get marriage, with all the good and bad that comes with it.

Everyone, gay or straight, needs to look at everything before getting married.  It might hurt benefit eligibility to do so - but then again, you might miss out on other benefits by not doing so.  It's an individual thing and should be looked at from both the short-term impact view and the long-term impact view.

Mike

Mike.  If you read JR's initial post you will see my point.  he said he thinks this all grossly unfair.  I agree.  We're all equal now and as gay people, we must look beyond the feel good aspect of this ruling. 

It is yet another ruling that gives us equality and options. 
Being honest is not wronging others, continuing the dishonesty is.

Offline bocker3

  • Member
  • Posts: 3,623
  • You gotta enjoy life......
Re: Marriage and Disability Benefits
« Reply #6 on: July 01, 2015, 10:31:59 PM »
Mike.  If you read JR's initial post you will see my point.  he said he thinks this all grossly unfair.  I agree.  We're all equal now and as gay people, we must look beyond the feel good aspect of this ruling. 

It is yet another ruling that gives us equality and options.

I understand that this is not unique to "us" -- and I love having the equality and options.  My main point was that the "unfortunate" piece was NOT about the ruling (which I don't think is really what Ted meant anyway), but that with the ability to marry comes good and bad.  I was separating that from the ruling - which I think you are also doing.

For me personally, I am still glad that I was able to marry and am glad that I now can move to any state without worry of nullifying it -- any "bad" that comes with it is far outweighed by the good.  However that is MY situation -- and someone else's may be very different. 

Looking forward to see you in a few weeks!!

M
Atripla - Started 12/05
Reyataz/Norvir - Added 6/06
Labs - Pre-Meds
Sep05 T=350/25% VL98,559
Nov05 288/18%  47,564
Current Labs
May2015 969/28% <20

 


Terms of Membership for these forums
 

© 2015 Smart + Strong. All Rights Reserved.   terms of use and your privacy
Smart + Strong® is a registered trademark of CDM Publishing, LLC.