Priority One Housing

Our 30-year-old autistic son Billy, who is intellectually disabled and needs help with every aspect of life, does not qualify for state-funded housing, because he is not needy enough. This blog post is my attempt to explain the system and why that is the case. (I note that housing for the intellectually disabled is currently in crisis, primarily due to the lack of caregivers. This article explains how it is supposed to work, not how it is actually working now.)

There is no waiting list for housing in Massachusetts. Our state considers state-funded housing to be for people who need it urgently – everyone else doesn’t need it at all. As a result, only about 15% of the people who are intellectually disabled (and none with ASD who are not intellectually disabled) are placed in group homes or other state-funded housing, where everything is paid for. The rest are usually home with their parents, where very little is paid for.

State-funded housing is enormously expensive, averaging the state about $120,000 per year per person, mainly because staffing a house 24/7 is so costly – it requires various caregivers to take 8 hour shifts, plus back-ups for when the caregivers don’t show up, plus a house manager. Not to mention food and transportation, etc. So housing is offered only to those who truly can’t reasonably live at home with their families. 

Those who qualify for housing are considered “Priority One,” and everyone else stays home. (There is a much smaller Priority Two category, and those people also have to stay home until the right place for them opens up, which could be years.) Most people – including my son Billy, who is non-verbal and can’t really dress himself, but is fairly well behaved – are listed as “No Priority.”

There is some subjectivity to the determination of who needs housing, but let’s start with the basics. When your child is approaching 22, which is the age in which the educational entitlement ends and the Department of Developmental Services (DDS) takes over, DDS does an assessment of your child, using the MASSCAP (Massachusetts Comprehensive Assessment Profile) test to determine your child’s needs, both for housing and for day/employment supports. This test will determine whether your child will be prioritized. 

The housing assessment has two parts: (i) you; and (ii) your child. It is not just a matter of whether your child needs significant support in her daily life – dressing, eating, toileting, etc. It is a matter of whether you are equipped to provide it. If you are managing to take care of your child and live a reasonable life at the same time, regardless of the child’s functioning level, the child will not receive housing. If, on the other hand, the child is somewhat independent but needs help, and has no parents to provide it, the child might receive housing. Or if your child needs a staff of people to take care of her, even if you and your spouse are around and functioning, she will probably receive housing.

This leads to some interesting results. A child who has very high needs does not get housing, and a child who is quite independent does – because in the first case, the parents are able to take care of the child, and in the second, they are not, due to the constraints of the particular family (death, divorce, etc.).

Another factor that skews the results is whether the child was already in a residential placement before he or she turned 22. Even if the child could theoretically live comfortably at home after they graduate, the state often gives those people a Priority One designation, because it would be difficult for the parents to reintegrate their child back into their lives. This is annoying to the rest of us who have kept our child home the whole time, but true.

Age 22 is an important year, with respect to housing. A special number in the state budget pays for those young adults who will need housing when they turn 22 and leave the educational system – known as the “Turning 22 line item.” Because this item is only budgeted for once, when the person is 22, it is harder to obtain state-funded housing after age 22. (The person who received funding at age 22 continues to receive funding throughout their lifetime, via a different line item, but a person who wasn’t funded at age 22 does not.) In other words, parents who think their child needs housing at age 22 but are not quite ready to let them go should not decide to wait a year and apply at age 23. Once a person is designated “no priority,” that designation continues until there is a significant change in the family circumstances, such as a death in the family, or a parent going to a nursing home. 

When the DDS staff member does the MASSCAP test, she will ask you whether you want to apply for housing. Many people do not, and often that is commendable – they want to keep their child home for the foreseeable future, believing that their child and their family will be better off that way. But for those who think their child needs a group home, the correct answer is yes. If the child qualifies for Priority One housing, the family would then work with DDS to find the appropriate placement, whether it be a group home or Shared Living, discussed in a separate blog post to come.

SSI: What it is and Who Qualifies

Supplemental Security Income (SSI) is a federal program that makes monthly payments to people who have low income and very little money, and who are disabled. Although it is managed by the Social Security Administration (SSA), SSI is not paid for by Social Security taxes; rather, it is paid by the U.S. Treasury.

The basic SSI amount is the same nationwide. Many states, including Massachusetts, add money to the basic benefit. For 2020, the maximum federal SSI benefit for an individual is $783 a month, and the Massachusetts state supplement is between $30 to $293 a month, depending upon the recipient’s living situation.

Eligibility Rules for SSI

There are two things that the SSA looks at to determine if you are eligible for SSI: your finances, and whether you are “disabled” under the SSA definition.

(A) Finances: Financial eligibility for SSI depends on (i) your income; and (ii) how much money (assets) you have.

(i) Income: Income is money you receive on a regular basis such as wages and pensions. You have to earn or receive less than about $1220/month to qualify for SSI in Massachusetts.

(ii) Assets: You have to have less than $2,000 to qualify, in bank accounts, cash, stocks, real estate and savings bonds. If you are less than 18 years old, your parents’ assets count as your assets.

(B) Disability: To meet the SSA definition of disability, you must not be able to engage in any substantial gainful activity (SGA) because of a medically determinable physical or mental impairment. In other words, you must not be able to engage in competitive employment that allows you to earn $1,220 or more a month. Generally, people can work part-time at a minimum wage job and still qualify, but they don’t qualify if they can work full time.

If you think your child meets these criteria, you can apply online for SSI here. If you have questions, email me at Karen@Mariscallaw.com.

When an Autistic Child Flees: Wellesley Weston Magazine

Hello everyone!

I am very excited to share with you all, my latest article published in the Wellesley Weston Magazine Summer 2020 edition. I am humbled to share my family’s story with Billy, to reinforce the incredible potential for a safer, more understanding community with this proposed Autism Bill.

Read here: When an Autistic Child Flees

The Difference Between SSI and SSDI

Among us parents, there is a lot of confusion about the difference between SSI (Supplemental Security Income) and SSDI (Social Security Disability Income).  Although SSI and SSDI both provide supplemental income to disabled people, and have similar names, they are completely different programs.

Continue reading “The Difference Between SSI and SSDI”

ABLE Accounts: The Basics

When our kids were young, my husband and I were able to save money for our typical children by contributing to a college savings plan, where the money could grow tax free, but we weren’t able to do that for Billy, who really needed it the most.

That changed in 2015 with the introduction of ABLE accounts, which allow money for disabled people to grow tax free and not be counted when it comes to determining eligibility for government services.

Continue reading “ABLE Accounts: The Basics”

Supplemental Needs Trusts: What are they, exactly?

A supplemental needs trust, also known as a special needs trust, is a special type of trust that both provides management of money for the disabled beneficiary, and maintains the beneficiary’s eligibility for government services.

Supplemental needs trusts are an important component of financial planning for an intellectually handicapped child. These trusts allow disabled beneficiaries to receive their inheritance – as well as gifts, lawsuit settlements, or other funds — and not lose their eligibility for certain government programs. Because the beneficiary has no control over the funds in the supplemental needs trust, he or she is not considered to own them. Accordingly, the trust will not affect eligibility for public benefits, such as MassHealth, Supplemental Security Income, and subsidized housing. (Distributions from the trust, however, can sometimes affect continued eligibility, and the trustee needs to be advised on how best to use trust funds for the beneficiary.)

Continue reading “Supplemental Needs Trusts: What are they, exactly?”

What’s the Difference Between SSI and SSDI?

Financial Planning for Your Special Needs Child: SSI and SSDI

Parents of children with special needs should understand the U.S. government’s two different income support programs: SSI (Supplemental Security Income) and SSDI (Social Security Disability Insurance). These programs both provide cash to disabled people who cannot be gainfully employed, via monthly checks. There is a lot of confusion about the difference between the two programs. Although SSI and SSDI both provide supplemental income to disabled people, and have similar names, they are completely different programs.

Continue reading “What’s the Difference Between SSI and SSDI?”