The Social Security Administration can check your bank account in Ohio if you apply for Supplemental Security Income (SSI). They will require you to sign a release that allows them to check your account before your application can proceed. This is a part of the process they use to determine your income and assets to ensure you qualify for the program.
This type of release is generally not necessary when you apply for Social Security Disability Insurance (SSDI) or file for Social Security retirement. Neither of these programs has a strict income or asset limit as a part of their qualifying criteria.
Understanding Why Social Security Needs Permission to Check Your Bank Account in Ohio
When you apply for Supplemental Security Income in Ohio, your file will be assessed to see if you meet the technical qualifications for the program. SSI, initially designed to help the blind, those over the age of 65, and those who cannot work because of serious health impairments, is a need-based program. You must meet strict income and asset limits to qualify. For 2019, the resource limits include $2,000 for individuals and $3,000 for couples.
Staff from your local Social Security Administration field office need access to your financial records to ensure you meet this limit. If your bank account, or combined bank and savings account, or combination of other accounts, holds more than the current limit, you are unlikely to get approved for SSI.
SSDI and Other Programs
Social Security Disability Insurance works differently from SSI. Instead of a strict asset limit, SSDI performs a check on your recent income to ensure you are not earning more than the current substantial gainful activity (SGA) limit from working.
This limit has more to do with your ability to work and earn a living wage than it does whether you already have substantial assets. As long as your income is not income gained from working a job—such as rental properties or investments—you may still qualify for SSDI.
Social Security Retirement
Social Security retirement benefits only consider your income as a part of the formula to determine your benefit amount. There is no need to meet any income or asset limit for this program after you reach full retirement age.
If you opt to draw this type of retirement benefit before you reach your full retirement age, your benefit amount will go down if you work more than the current limit. However, these benefits are not lost. You will receive them once you reach full retirement age.
As the Social Security Administration does not ask for a release to check your account as a part of the application, they cannot check your bank account as part of this process without permission.
Filing a Claim for Supplemental Security Income or Other Disability Benefits
If you cannot work a job and make ends meet because you suffer a health condition that prevents you from doing so—or if you are blind or over age 65—you may qualify for benefits from Social Security Disability. When you apply, the application process will require you to complete and sign several documents. If you apply for SSI, one of those documents is a release that allows the Social Security Administration to check your bank account.
Qualifying for SSDI or SSI
The difference between Social Security Disability Insurance and Supplemental Security Income involves the technical qualifications for each. These qualifications are as follows:
- SSDI: Work history equal to or greater than the required number of work credits for your age
- SSI: Assets below the current resource limit and low income
- Both: Total income below the SGA limit
Both programs require you to meet strict guidelines regarding your age or impairment that prevent you from working your previous job or any other job.
Berger and Green Can Fight for Your Ohio Disability Benefits
Berger and Green’s Ohio Social Security Disability attorneys can help you file and fight for the disability benefits you deserve. We will:
- Explain your qualifications
- Help prepare and file your claim
- Help you fight a denial, if necessary
- Request reconsideration on your behalf, if there is sufficient time to do so
- Represent you throughout your disability appeal
If you have questions about how the Social Security Administration can check your bank account, or about getting disability benefits in Ohio, Berger and Green’s disability attorneys can help. Call or text (412) 661-1400 today to get started with a free consultation.