‘What else can they do to increase their monthly income?’: My grandmother is disabled, and my mother is her caregiver. How can we maximize benefits and financial security?

Hi Money Minder,

I’m helping my family plan with their finances. My grandmother (81F) is completely and permanently disabled and unable to work, her spouse also died a few years ago. She receives a pension and social security, unsure of the exact amount but probably around $2000-$3000 per month combined.

My mother (57F) is her sole caregiver. No certifications or qualifications for caregiving. She receives a pension ($1400/mo) that will decrease to $900/mo when she begins taking social security. She plans to take social security at age 62. Due to her being the primary caretaker, she cannot work unless it is remote and part-time.

They are located in Florida. Here’s some questions I have:

• Can my mother receive benefits from the government for being the primary caregiver, and how does she apply for that?
• Do I understand correctly that my grandmother can apply for SSI if her assets are under $2000, not including her residence, life insurance policies, and the 1 car under her name?
• How do I check Medicaid eligibility for my mom? Is it free? She has no health insurance and says she doesn’t have the funds to pay a monthly premium.
• What else can they do to increase their monthly income or receive more benefits? Do they qualify for SNAP? They have some debt due to expenses, both grocery and medical, and my mother has very little savings. I’d like to see that increase. My grandmother owns her home (paid off) and 2 vehicles, but is planning to sell one vehicle since she cannot drive. The profits will help pay off debt.

Farewell from Curious Cindy

Response from THE MONEY MINDER:

Hello There,

I understand the challenges your family is facing in managing finances, especially with your grandmother’s disability, and your mother being her sole caregiver. It’s commendable that you are looking out for ways to improve their financial situation. To address your questions:

1. Your mother may be eligible for government benefits for being the primary caregiver. She can look into programs like the Family Caregiver Support Program through the Florida Department of Elder Affairs. Applying for this assistance usually involves contacting the local Area Agency on Aging for guidance and eligibility criteria.

2. You are correct that your grandmother can apply for Supplemental Security Income (SSI) if her assets are under $2,000, excluding certain items like her residence, life insurance policies, and a car. You can contact the Social Security Administration for more information and guidance on the application process.

3. Checking Medicaid eligibility for your mother is crucial for her healthcare needs. You can use the official Medicaid website or contact the Florida Department of Children and Families for assistance. The cost of Medicaid coverage varies based on income level, so it’s essential to go through the application process to determine eligibility and any potential premiums.

4. Increasing monthly income and accessing more benefits can be explored further. Your family may qualify for the Supplemental Nutrition Assistance Program (SNAP) to help with grocery expenses. Additionally, looking into local community resources for food banks or utility assistance can provide additional support. Selling one of your grandmother’s vehicles to pay off debt is a practical step to reduce financial burdens.

In navigating these financial challenges, it’s important to research and utilize available resources to optimize your family’s financial well-being. Remember to explore all options thoroughly and seek assistance from relevant government agencies or non-profit organizations for additional support. Take one step at a time and focus on practical solutions to improve your family’s financial stability.

Farewell from THE MONEY MINDER.