He started getting monthly check in April 2020. Still nothing on back pay. Our daughter gets check too for him being on SSD. I am her payee because I'm her mom. From what she gets she already received her portion of back pay. How and what are they investigating? I don't understand. He is capable of handling his own money.
Daughter needs a payee as she’s a minor; could be you or her dad.
To me it’s important that you read up on what SSDI is & isn’t. There’s oodles of confusion on what SSA does and SSDI vs SSI vs. regular retiree SSA$. SSA has 3 payment programs:
-SSA retirement mo payment & $ based on lifetime wages/ work credits
& when applied for. Like you can apply at age 62 or FRA (full retirement age) or wait till 70. This one will pay a benefit to dependent child & usually 50% of the retirees SSA mo. benefit but can pay less if retiree has high SS$ payout as SS$ can’t be over a certain % max. MediCARE is a totally independent program to be applied for at age 65.
-SSI low income/work history; get Medicaid, SNAP; abt $780 mo
-SSDI for under 65 who get a disability & cannot now work. $ depends on work credits & SSA uses 5 mo period to determine what earnings actually were. Avg abt $1280 mo. After 2 years, he’s eligible for MediCARE no matter what his age is. Also pays a benefit to dependent child @ 50% of his SSDI.
All have some kind of claim determination and examiners. If they have a well established work history, FICA info, current on taxes, it gets processed routinely. Someone should have explained better how the back pay gets dealt with and staggered out over 6 mo cycles.
On the kids & SSA$, my hubs took SSA FRA $ & our kid was in high school at the time. Hubs was working but just took FRA as he’s not the type to ever leave $ on the table. LOL. The kid benefit pays till they turn 18 or finish high school. There will be a form that her HS registrar has to sign & send to SSA. Registrar has likely done one before, so don’t fret on this. There is also a form that you as the representative payee attest to that $ is spent for/on them. Imho this is important.... in theory kid SS$ cannot become savings.... it is expected to be paid out & totally spent by the time they turn 18 or graduate HS. So please keep that in mind when you are buying things for them or doing copays. Like ok to use $ to go do a college campus visit (like if these ever happen again, my old U is #1 in Covid + cases as of yesterday, wtf), but not ok to put into a college tuition fund; ok to pay for tutoring but not ok to stash in a savings account.
Remember he can go into MediCARE after 2 years on SSDI. This is a pretty important deal to be aware of. SSA will send out a mailing on this. But it’s kinda on him / you to apply for early mediCARE for him. & to figure out a plan for you & your daughter for y’alls health insurance once he’s on MediCARE. Often family caregivers find that they are better off staying as a caregiver & not working full time as they & the kids can go onto Medicaid while he goes onto Medicare. It’s crazy but this can a happen when there is not universal healthcare insurance.