The decision to enter your loved one into a nursing home isn’t easy, but you are sure it’s the best way for him to receive round-the-clock care. While the good news is that many people who receive social security can get help paying for the costs of a nursing home, it is also likely that the amount of social security benefits your loved one receives may be reduced after they move into a care facility.
Social Security Income (SSI) beneficiaries may lose most or all of their SSI payments if they enter a nursing home.
The Amount of SSI People in Care Homes Can Receive Depends on a Number of Factors
- Medicaid-funded facilities – If your loved one is admitted to a nursing home where Medicaid pays for over half the cost of patient care, they will likely only receive a small monthly SSI benefit. SSI payments are usually reduced to $30 per month—$60 per month for married couples both receiving SSI—as long as the nursing home is capable of providing inpatient medical services.
- Facilities without Medicaid – If your loved one is living in a public medical facility where Medicaid does not pay for over half of care costs, they will no longer be eligible for SSI benefits. If you opt for a private care facility that does not accept Medicaid, patients may be able to keep their SSI—although many are no longer considered eligible if they earn enough income to afford private care.
- Spouses in nursing home care – If your spouse enters a nursing home and you both receive SSI, only you will continue to receive SSI benefits. Additionally, your benefits may be reduced from the couple rate of $1,082 per month to an individual rate of $721 per month.
These rules generally apply to nursing homes that provide medical care, since Medicaid does not pay for assisted living facilities. However, if your loved one is healthy enough to live in an assisted living community, he may be able to pay for room and board with state-funded assistance programs. These can be used to supplement SSI payments for low-income families who live in non-medical long-term care facilities.
To find out how to maximize your loved one’s Social Security benefits before they enter long-term care, we invite you to read through the related articles on this page or to contact us directly to get professional help.