“Other Government Payments Affect Benefits: We are holding your Social Security benefits for November 2008 through April 2010. We may have to reduce these benefits if you received Supplemental Security Income (SSI) for this period. We will not reduce your past-due benefits if you did not get SSI benefits for those months When we decide how much you are due for this period, we will send you another letter.
According to Crowe Paradis, this provision, taken from a recent Notice of Award of Social Security Disability Insurance (SSDI) benefits, indicates that the beneficiarys past-due benefits are being withheld pending an SSI investigation. Unfortunately, it is appearing in increasing instances, resulting in the tying up of tens-of-thousands of dollars in benefits that are direly needed by beneficiaries to obtain medical treatment, pay bills or pay off existing debt, sometimes for as long as 90 days.
If SSDI benefits will be your primary source of income if you were to become disabled, how will you pay these bills if the government is holding your money? If you have not insured your paycheck through employer-provided or individually purchased disability income insurance, you may find yourself in a similar situation if you become disabled.
Protect you paycheck. Talk to your agent or your HR department today about DI coverage.