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Do SSDI and SSI Benefits Change if You Move to a Different State?

Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) benefits can change if you move to another state. However, each benefit type’s potential for change is different. Both require updating your address and phone number as soon as possible with the Social Security Administration (SSA). Additionally, advise the SSA of any family members who receive benefits and move with you, even if your benefits are direct deposit, to receive letters and other important information. The SSA will terminate your benefits if they are unable to contact you.

If you change direct deposit accounts or financial institutions or open a new account, explain that you want to sign up for a direct deposit and give your account information. You can update the changing information online with your my Social Security account. In most cases, when moving to another state, you don’t need to reapply for benefits, but you do need to manage your information. The SSA can also provide you with information about how your benefits may be affected by moving to a new state.

Social Security Disability Insurance (SSDI)

Once the SSA establishes your SSDI benefit amount, it will generally remain the same regardless of where you live in the United States. However, there are a few exceptions where your payment may change, such as if you move to a US territory or foreign country. Benefit payments may alter if it’s affected by currency exchange rates or cost of living adjustments.

Supplemental Security Income (SSI)

Regarding SSI, your benefit payment may change if you move to a different state, as the maximum amount for SSI benefits depends on the state where you live. Each state has its own SSI payment rate, which can be higher or lower than the federal SSI benefit rate. A different state may also administer your benefits differently. Some states supplement the federal SSI benefit, which can further increase your SSI benefits. Your benefit may increase or decrease if you move to a state with a higher or lower SSI payment rate or supplement.

What About Tax Implications on Benefits When Changing States?

Tax circumstances generally don’t affect SSDI or SSI benefits when changing states. The amount of your SSDI and SSI benefits are based on your work history and income, as well as your financial resources and living situation. Your federal tax liability doesn’t affect the benefit amount you receive from either program.

However, some states may have income taxes that can impact your overall tax liability. In general, SSDI and SSI benefits are not taxable at the federal level, but some states may tax a portion of your benefits, depending on their tax laws. Additionally, if you receive SSDI and work in a new state, you may be subject to state income taxes on your earnings. However, this does not affect your SSDI payment. It is wise to research potential tax consequences in your new state to determine your tax liability before moving.

How a Disability Lawyer can Protect my Benefits if I Move

A disability attorney can help protect your SSDI and SSI benefits by providing guidance and assistance with the following:

1.    Proactive Planning

A disability attorney can advise which states pay no SSI supplements and which administers the benefit themselves. They can inform you of state requirements for SSI before you move and help you make the administrative changes necessary to maintain benefits from state to state.

2.    Understanding How Your Benefits May be Affected

A disability lawyer can explain how moving to a new state will impact your SSI or SSDI benefits, including any changes to your benefit amount, eligibility, and reporting requirements.

3.    Ensuring You Report the Necessary Information to the SSA

It is important to comply with the necessary reporting requirements fully with the Social Security Administration to avoid any interruptions or delays in your benefit payments. A disability lawyer can help you report the updated information correctly and on time.

4.    Maximizing Your Benefit Payments

A disability attorney can review your current benefits and work history to determine any strategies you can implement to maximize your benefit payments. Strategies may include delaying retirement or applying for additional benefits you may have overlooked.

5.    Appealing Benefits Decisions

If your benefit payments are reduced or terminated due to your move, a disability lawyer can help you appeal the decision and argue for the maximum benefits you are entitled to receive.

6.    Resolving Any Issues With Your Benefits

If you encounter any issues, such as a delay in payments or a mistake in your benefit amount, a disability attorney can help you resolve these issues, ensuring you receive your benefits accurately and fully.

If you currently receive SSDI, you can move to another state without affecting your eligibility or benefits unless you move to a US territory or foreign country. And if you move to another state, your SSI eligibility and benefit amount may change based on the cost of living in your new state. Be sure to report your change of address and other pertinent information to the SSA and notify the state you are moving from and your new state.

A disability attorney can advise and represent you before the SSA if problems arise after your move. Their expertise can help manage your expectations and address budgetary concerns if your benefits change.

We hope you found this article helpful. Please contact our office today at (832) 761-7773 and schedule a consultation to discuss your legal matters. We look forward to the opportunity to work with you.