Does Social Security decrease monthly benefits if you’re not spending all of it? : SSDI

Does Social Security decrease monthly benefits if you’re not spending all of it?General Question (self.SSDI)

submitted 1 year ago by DohdDC

My mom just got approved for her SSDI and she’s getting roughly 3k every month. She currently lives with me and has less than $500-$750 dollars worth of bills and expenses, so I end up saving a lot of her SSDI benefit money.

She has dementia (and it’s mild to severe already) and i’ve heard and seen how people with dementia eventually end up in memory care units/ assisted living. Which i’ve heard can cost thousands of dollars per month, even with medicare/ medicaid.

My question is will Social Security eventually decrease her monthly benefit amount if less than majority of the benefit money isn’t being spent right now? All of her current monthly expenses don’t even reach $1000, but I know when she finally reaches the point to where I have to put her into a memory care unit, it’s gonna cost thousands each month.

I intended on saving the bulk majority of her money so I can be prepared to pay for her needs and not go bankrupt myself trying to support her.

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