If you receive Social Security disability benefits and move to another state, your benefits may be affected. Social Security disability benefits, also known as Social Security Disability Insurance (SSDI), are paid to individuals who are unable to work due to a disability and have paid enough Social Security taxes to qualify for the program. SSDI is a federal program administered by the Social Security Administration (SSA), which means that the benefits are the same regardless of where you live.
However, moving to another state can affect your benefits in a number of ways. Here are some things to consider if you are planning to move while receiving SSDI:
Cost of living: The cost of living in different states can vary significantly. If you move to a state with a higher cost of living, your SSDI benefits may not stretch as far as they did in your previous state. On the other hand, if you move to a state with a lower cost of living, your benefits may go further.
State supplemental payments: Some states offer supplemental payments to SSDI recipients to help cover the cost of living. These payments are in addition to your regular SSDI benefit and are paid by the state, not the SSA. If you move to a state that does not offer supplemental payments, you may see a decrease in your overall benefits.
Medicare: If you are receiving SSDI, you are also eligible for Medicare after a two-year waiting period. Medicare is a federal program that provides health insurance to individuals over the age of 65 and to those who are receiving SSDI. If you move to another state, your Medicare coverage will not change.
Medicaid: Medicaid is a joint federal and state program that provides medical assistance to individuals and families with low income and assets. Medicaid is designed to help individuals who are unable to afford the cost of medical care, including doctor visits, hospital stays, and prescription medications. Medicaid is available in all 50 states, the District of Columbia, and U.S. territories, and is administered by the Centers for Medicare & Medicaid Services (CMS). If you are receiving SSDI and are also eligible for Medicaid, your Medicaid coverage may be affected by your move. Medicaid eligibility and benefits vary by state, so you will need to check with the Medicaid agency in your new state to see if you are still eligible for the program.
Reporting a change of address: If you move to another state while receiving SSDI, it is important to report your change of address to the SSA as soon as possible. You can report a change of address online at the SSA website, by calling the SSA at 1-800-772-1213, or by visiting your local SSA office. If you do not report your change of address, your benefits may be delayed or stopped.
Continuing disability review: If you receive SSDI, the SSA will periodically review your case to make sure you are still eligible for the program. This is called a continuing disability review (CDR). If you move to another state, the SSA may need to conduct a CDR to determine if your medical condition has improved or if you are able to work. If the SSA determines that your medical condition has improved and you are able to work, your benefits may be stopped.
In summary, moving to another state while receiving SSDI can affect your benefits in a number of ways. It is important to consider the cost of living, state supplemental payments, Medicaid eligibility, and the need to report a change of address when planning a move. If you have any questions about how your move may affect your SSDI benefits, you should contact the SSA for more information.