[Jobs] ABLE Account Question

Lisa Cushman crysania at sbcglobal.net
Fri Nov 24 20:33:12 UTC 2017


Hi Laura,

There is one other thing you can do. I’m not advocating it or not advocating it, but some couples have to do it. U2 could get a legal divorce and live together for the rest of your lives as a couple who are not a married couple.

Thank you,
Lisa




Lisa Cushman, CRC, LMFT

> On Nov 24, 2017, at 7:11 AM, Laura Rogers via Jobs <jobs at nfbnet.org> wrote:
> 
> Steve,
> Thanks for your reply! I'm at risk of losing SSI but not necessarily SSDI. At this point, if my SSDI keeps going up as it has been, I will lose SSI probably in 2018 or 2019. 
> 
> I know losing SSI isn't a big deal to some, but for me, it means my chronically ill husband will lose Medicaid. If this happens and the ACA (Obamacare) ever gets too weakened, I'll either have to get a job with health insurance benefits or do whatever I have t do to get SSI back. 
> 
> There are only a few things I can do to stop this. 
> 
> One is to get my earnings above the SSDI level but not so high they we no longer qualify for SSI. So, I would need to make between $1,951 and $2,200 or so a month to meet that goal. 
> 
> The other is to make sure that my SSDI plus my earnings times two never exceeds $2,200 a month. This is a very tight rope for me to walk. And it's also hard to predict and control since SSDI benefits are calculated using a very complicated formula. So, I'm pretty resigned to the loss of SSI being inevitable. I'm just trying to make the best of it. 
> 
> 
>> On Fri, Nov 24, 2017 at 7:53 AM, Steve and Pam Atkinson via Jobs <jobs at nfbnet.org> wrote:
>> Good morning Laura,
>> 
>>  
>> 
>> I’m not sure about an ABLE account.  But, I do know what it is like to give up S.S.D.I. benefits and to go through the process of re-instatement of S.S.D.I. benefits.   The re-instatement process of my S.S.D.I. benefits after a job lay-off was an awful process to go through and even worse than going blind.  I’m starting a new job next week and I know how I am going to do things this time.  I will not put my wife through the process of S.S.D.I. re-instatement benefits ever again. 
>> 
>>  
>> 
>> Steve
>> 
>>  
>> 
>> From: Jobs [mailto:jobs-bounces at nfbnet.org] On Behalf Of Laura Rogers via Jobs
>> Sent: Friday, November 24, 2017 5:49 AM
>> To: Jobs for the Blind
>> Cc: Laura Rogers
>> Subject: [Jobs] ABLE Account Question
>> 
>>  
>> 
>> I'm considering opening an ABLE account, but I'm expecting to lose SSI within a year or two as my earnings and SSDI benefits increase. What would happen to an ABLE account when this happens?
>> 
>> 
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> 
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