I’m going to be real with you — if your child is getting SSI (Supplemental Security Income), you must report any lump sum income they receive. And yes… they will find out if you don’t.
It doesn’t matter if it’s from a settlement, inheritance, back pay, or even a big gift from a family member — SSI has strict income and asset rules. A lump sum can affect benefits, and if you don’t report it right away, you could end up dealing with:
- Overpayment notices (where they make you pay benefits back)
- Temporary or permanent loss of benefits
- Lots of stress you don’t need
Why You Have to Report It
SSI is based on financial need. They check both income and resources, so even one-time payments can put your child over the limit for that month. It’s better to tell them right away than to get a surprise letter months later.
What to Do
- Call your local Social Security office as soon as you know about the payment.
- Get everything in writing — keep records of who you talked to and what you reported.
- Ask about exclusions — in some cases, money can be put in a special needs trust or ABLE account so it doesn’t count toward the asset limit.
I know dealing with SSI can be overwhelming, especially when you’re focused on caring for your child. But trust me, reporting that lump sum upfront saves you a lot of headaches later.
Because yes… they always find out. And it’s better to be the one to tell them first.
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