Q: Does Social Security Disability pay for an assisted living facility or a nursing home?
Eighty year old mother has been newly diagnosed with muscular distrophy. She is currently collecting social security in retirement (worked until age 75). Is she eligible for Social Security Disability and, if so, does Social Security Disability pay for an assisted living facility or a nursing home (similarly to how it pays full cost for disabled children needing a long term care facility)?
A: Social Security Disability (SSD) gets replaced by normal social security at retirement around age 65. So your mother will not qualify for SSD.
Your mother likely qualifies for Medicare. If so, they will pay some or all of the costs of assisted living.
Talk to your state benefits office, or call SSA to get details. 1 (800) 772-1213
Julie Fowler agrees with this answer
A: No, your mother would not get Social Security disability (SSDI). SSDI is replaced by Social Security retirement due to age and she is already receiving those benefits. Social Security benefits do not pay for assisted living or a nursing home. You will need to explore what Medicare and Medicaid can provide. See https://www.hhs.gov/programs/index.html. For information about what Medicare covers see https://www.medicare.gov/what-medicare-covers. For example, Medicare covers skilled nursing care under certain circumstances but does not provide for custodial care. Medicaid pays for certain medical services for low income individuals. See https://www.medicaid.gov/state-overviews/stateprofile.html?state=nebraska. Contact Health and Human Services in your State.
You should also consult an attorney about whether is would be a good idea to set up a Special Needs Trust for your mother. A Special Needs Trust would provide your mother with access to funding without potentially losing the benefits provided by public assistance programs.
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