SSI Question - Applying/Denial


I was able to open the account with them taking copies of both packets - no letter has shown up.

One piece of paper says he should get monthly checks around the 1st for SSI - I see online that they disburse throughout the month based on birthday. Either is fine - I just don’t want to throw it away with the junk mail.

However, I tried to sign him up for an SSA account online so I could put in the info for direct deposit and it came up with the standard credit report questions. He’s never had any mortgages or credit cards or anything, so I answered none of the above to everything & it said it couldn’t verify him.

Then, I went to annual credit & it did the same thing.

So, now I’m wondering if they can’t verify him because he has no credit - or if it’s because someone else has used his SSN. The questions looked the same on both websites.

My question - how does anyone get a credit report for someone if all you have is a SSN & driver’s license? I guess by mail?


I’m confused. I thought you were trying to set up your own account as his Rep Payee, so the money would be deposited directly into it. Is this not right?

If this is the case, the credit history of your son would have nothing to do with the account. It is strictly your account.

I told my bank that I needed to open up an SSI Rep Payee account and they knew exactly what I was talking about. On the first of each month, my Rep Payee account gets the SSI allowance directly deposited into it.

I’m sorry you’re having such a hard time getting some straight answers. What a pain in the neck.


You’re right - an account in my name for his benefit as the rep payee - so that’s all taken care of now.

I’m curious about the credit report because someone told me they added direct deposit to their family member’s benefits online by signing onto their SSA account. When I went to set that up, they gave me the standard credit report questions to verify his identity - and apparently, I did not know the answers. I do, however, know that he has never had any credit - or applied for any.

So, I went to annual credit to double check, got the same questions & the same negative response.

The bank didn’t ask anything about a credit report.

thanks for telling me you see the direct deposit on the first of the month. I guess I’m going to have to go into the SSA office in person to set up direct deposit & I’ll ask about the missing check then. They sent him a small backpay check so fast that I’m worried his first monthly check is lost in the mail.


I set my son’s up for direct deposit online - I do know the answers to the questions, odd addresses and one correct address, stuff like that. He has a credit history from his grad school loan.

Odd that you wouldn’t know the answers - but worrisome also.


@hope - I do know the accurate answers - the system was just telling me they weren’t right.
I know everywhere he has lived, I know his social & I know he has never had credit.He has never had any medical bills or anything that went into collections.

He has had bank accounts at our credit union only.
He has had one debit card that he proceeded to overdraw - I covered the charges, then made him get on the phone with me to cancel it.

The questions were about a mortgage loan, a car loan, and store credit cards - I think the options were Macy’s, Target & some store we don’t have here.

I’m wondering if someone is using his social security number for credit. They’re obviously not using it for work because he came back with 0 work credits at social security.

The only other option I can think of is that they can’t verify his identity because he doesn’t have any credit file at all - which would be OK.


I wasn’t very clear, I meant it was worrisome that you didn’t know what they felt were the right answers.


Sorry - I’ve been putting in double time this week trying to get a project wrapped up.
My brain is mush.


No problem, sounds like we are both having a “less than stellar” week.


To continue the credit report conversation, I guess I missed it because I don’t watch the news anymore other than to catch the weather.

But, my bank’s website had a banner up about the Equifax data breach.

I put in my SSN, my husband’s & my son’s on Equifax’s page that checks to see if you’ve been impacted and all 3 came up that we were - so, I guess I’ll sign us all up for their free year of credit monitoring.

Although once someone has all the information they can get from a credit report, I’d think the potential damage could go longer than a year.

I’m curious to see what my son’s credit report has. We’ve only given his SSN out for educational, medical & tax reasons - although anyone could just make up random numbers and start using it.


My son used to lose his wallet frequently. I paid for a credit monitor for a couple of years after the last time. I had heard that sometime they don’t use the information right away.

Now that you have your son’s benefits started, have you considered making sure your and your husband’s wills won’t impact him? Example: In our state, if my husband, myself and our other child, were to die in a car accident together, without a will, Jeb would inherit assets. Inheriting those assets would immediately make him ineligible for benefits until those assets were all spent. Once spent he would have to reapply for benefits all by himself.

It would probably go like this: We all die, Jeb is on his own. He just stays where he is, benefits cease, he goes through everything in like, maybe, 2 years IF he doesn’t like shopping, which he does, so figure a new car, and the possibility for huge lawyer fees if someone just sees Jeb as an easy target and offers to “help” him. He has to pay cash for his expensive meds. Eventually doesn’t even have money for property taxes and gets evicted for sheriff’s sale.

In a very short time, he is homeless, probably shows up at lawyers office to angrily ask what happened and gets arrested.

I try to think of things as “hope for the best, prepare for the worst”. There are ways to set money in a trust so that it won’t affect his benefits. Money can still be available for medical needs and other uses.

You might have more options where you reside. Here, it was a struggle just to find an attorney who had even heard of a special needs trust, its more of a speciality field. There are some places where parents have formed organizations to oversee the care for each other’s adult children, you leave your assets to the organization.

My SIL has an autistic adult son, once his ssi was established, the SS worker told her to get their wills done immediately.

We have to do the best we can to structure something for their future in the event they outlive us.


Thanks Hope - I hadn’t even thought of that.

We carry a double mortgage since we’re paying off our home plus our country property, so I feel so far in debt that I don’t even think about those things. But, we are building up some equity there even though we don’t have a healthy savings account & my work would pay out nearly a million dollars if we were both to be killed in an accident.

We’re kind of living separate lives now & are rarely in a vehicle together, but it could still happen - although, my plans are still to live forever.

I’ll add it to the top of my bottomless to-do list.


I am sorry, I didn’t mean to add to your list. The three of us are together in a car from time to time, since my mind looks for things to worry about, it was nice to have it done. Yes, the life insurance would really hurt your situation.

Pretty sure it was Dr Torrey, when asked how these things usually end, said that after their caregiver parent dies, many are just evicted from their elderly parents’ homes eventually and they disappear.

In my Jeb scenario - that car he would buy? It would keep him ineligible for benefits and no one would be able to get him to sell it.

Jeb can’t handle any of the details of his ssi, ssdi, medicare or medicaid - can’t even manage his prescriptions. He can’t understand his checking account and sometimes panics when he confuses his checking with his savings as his savings account only has $8. in it. I have to replace his washer and dryer because he can’t understand they are small apartment units and require smaller loads. He can’t be allowed near an oven, he will put a frozen pizza in it and start a fire, even if he remembers to set a timer. Can’t use a toaster oven, its an even worse fire hazard for him.

On lighter moments, he can use credit or debit cards. He can drive. He can make a sandwich. He is dangerous because he buys guns and knives to protect himself from the constant threat he sees other people presenting -whether its a lighter moment or not, that paranoia is constant.

In addition to the positive and negative symptoms,I think schizophrenia is like lightning striking the brain. If lightning hits your house (its has ours) it totally blows out somethings while leaving others untouched and some things partially damaged. I think it explains why our family members have some similarities and yet are quite different in other ways.


mine too - I seriously appreciated the suggestion.

I’m not sure if he would run out & buy anything crazy - especially if it required paperwork to be filled out - but anything is possible.

And, I do think he’d let people take advantage of him - or, he’d sign up for something from the Internet that constantly drains his account. That happened when I opened an account for him & put in a small amount because he said it would be easier for him to go in a store with a debit card. When he wants to try again, I’m going to go the prepaid credit card route instead.

My husband doesn’t handle all those details either - not about his insurance, paying bills, nothing. He knows how to swipe a card like no one’s business, but I handle everything else that’s financial in nature.

If they both keep smoking like chimneys, I’ll probably live well longer than them anyway barring some kind of crazy accident. Statistically speaking, I should never be in another car accident, so I’ll keep my fingers crossed for that.


Have a mental health advocate help you with the paperwork. It is overwhelming or a social worker. My grandson went through thed appeal process and lost all 3 even the ADJ and we had a lawyer. Thank goodness he finally got on the right meds and is doing very well even holding down a part time job
God luck but try to work if you can it’s good for you.


Ugh! This is exactly how I felt learning more about my brother’s situation at board-and-care. Everyone I’ve spoken to has positive things to say about him. Maybe it’s just lip-service, but he really seems to be doing okay. If I can’t figure out the next steps for him to take, I’m not sure how he’s supposed to be able to with impaired executive functioning! Makes me sad to think how many other people must be out there just stuck because they don’t know what the next steps are to independence. /rant

Anyway, there’s some great information in this thread. Thank you for sharing your journey @slw !


" Makes me sad to think how many other people must be out there just stuck because they don’t know what the next steps are to independence."

I agree with you here wholeheartedly.


What state do you live in ? We live in Delaware and haved been demied 4 times. We had a lawyer last time. We have records stating my sons illness, hospitalizations, etc. They think he could get a job… uughh. So frustrating


We live in Ca. My grandson did go to work and has been able to hold a part time job, not enough for him to support himself. We had all the records hospitalization, doctors visit everything. I waa so surprised they said no


Yes, this is my understanding also, if the parent him/herself is of age to qualify for Medicare. I will continue to read these posts…


@Triplets I think you are saying that your attorney took a percent of the “back-pay” amount, is that correct? I have applied for SSI for son and this is what I understand to be the case with our attorney…they do not continue to take a percent of future awards, I hope!!

What do you think qualifies as the date your family member became disabled? Our son was diagnosed with this illness PRIOR to age 23 but attorney submitted SSI application using a date disabled that was AFTER age 23 based on a significant event/episode that occurred at that time. Do you think I might later be able to change the effective date of disability, especially if some years in the future applying for SSDI for him?