Low needs ASD - planning for future

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:It's the text of the link YOU posted. Do you want a picture of me reading it?

As far as taxes - I have not commented on that. It varies by state so you would need to check the plan you wish to enroll in.

No. I want you to explain exactly why you think you do not have to complete the section C entitled: “Basis under which eligibility is asserted … the account owner must meet one of the requirements below.”

The four “requirements” are:
1. Receiving SSDI
2. Receiving SSI
3. Disability is on the SSA “compassionate” list (note: list does not include autism) or
4. A doctor certifies that the disability causes “marked and severe functional limitations.”

Apparently you believe that all you have to do is check a box in section B - but you are absolutely incorrect about that.

In the link YOU posted, it LITERALLY says in section B 'Please DO NOT submit your written disability-related diagnosis, only check this box and keep your diagnosis documentation with you.' Explain to me how I am incorrect?

NP. On that form you do just check the box.... but only IF you have in your possession documentation from a doctor that the disability is "marked and severe". Only some autism will end up affecting the person that badly, so autism is only a qualified diagnosis IF the patient's doctor concluded that it was severe enough.

It does not say that. It says if you have the diagnosis, which (for this post) is autism. It does NOT say 'some' autism, or that a dr concluded some level-it says Autism. You are adding stuff that is not actually in the document. The diagnosis of Autism is the qualifying disability.

It literally is in Part C of the form, and you also attest to it under penalty of perjury.

Yes, you are attesting that you have the diagnosis, from a dr., of autism. I've explained that more than once.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:It's the text of the link YOU posted. Do you want a picture of me reading it?

As far as taxes - I have not commented on that. It varies by state so you would need to check the plan you wish to enroll in.

No. I want you to explain exactly why you think you do not have to complete the section C entitled: “Basis under which eligibility is asserted … the account owner must meet one of the requirements below.”

The four “requirements” are:
1. Receiving SSDI
2. Receiving SSI
3. Disability is on the SSA “compassionate” list (note: list does not include autism) or
4. A doctor certifies that the disability causes “marked and severe functional limitations.”

Apparently you believe that all you have to do is check a box in section B - but you are absolutely incorrect about that.

In the link YOU posted, it LITERALLY says in section B 'Please DO NOT submit your written disability-related diagnosis, only check this box and keep your diagnosis documentation with you.' Explain to me how I am incorrect?

NP. On that form you do just check the box.... but only IF you have in your possession documentation from a doctor that the disability is "marked and severe". Only some autism will end up affecting the person that badly, so autism is only a qualified diagnosis IF the patient's doctor concluded that it was severe enough.

It does not say that. It says if you have the diagnosis, which (for this post) is autism. It does NOT say 'some' autism, or that a dr concluded some level-it says Autism. You are adding stuff that is not actually in the document. The diagnosis of Autism is the qualifying disability.

It literally is in Part C of the form, and you also attest to it under penalty of perjury.

Yes, you are attesting that you have the diagnosis, from a dr., of autism. I've explained that more than once.

That’s not what it says ….

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote: continued - Part B on pg 3 lists the Codes for the Disability, autism is under Code one, autism is the disability that qualifies under Section C.

Read all of section C

I have, and explained it above. You are trying to add in extra of your...opinion?...that is not actually part of the qualification-again, it's clearly listed that the diagnosis of autism is the qualifier.

1. The statute which I quoted states the requirement.

2. part B and C of the form are *both* required. In B you indicate the type of disability. In C you certify that a doctor has found the disability causes marked and severe functional limitations. Then you also attest to the truthfulness of those representations at the bottom.

If you don’t grasp this you probably shouldn’t be pretending to give legal or tax advice.

THE DIAGNOSIS IS THE DISABILITY THAT CAUSES MARKED AND SEVERE FUNCTIONAL LIMITATIONS, ACCORDING TO THE RULES OF THE ABLE PLANS.

Nowhere does it say 'you have to have a lot of autism (or cp or epilepsy or whatever dx) to be eligble'. A lot or a little autism isn't even the dx- it's 'autism'.

You’re just … totally wrong. There is a list of “per se” diagnosis that don’t require the certification of severe and market limitations (the SSI “compassionate” list). Autism isn’t on that list.

Anyway good luck to you, and everyone else, please consult a tax professional.

That's because autism is on the list of qualifying dx! Why is this going over your head?

It’s going over your head, hon.

For disability benefits of all types, there are very rarely any broad diagnoses that qualify based on the diagnosis alone. You also have to show that the diagnosis limits the beneficiary in certain ways. The ABLE accounts are no different. There is a list of diagnoses that are so severe that they qualify on their own (the SSA compassionate list) but these are all conditions that are invariably severe, like fatal cancers or severe congenital conditions). Autism is not on this list.

You seem to think that the section of the form where you code the diagnosis type is the eligibility standard, full stop. But you’re just wrong.

Based on the link YOU posted, YOU are wrong. It lists the qualifying dx's in the codes on pg 3, of which autism is one.

I’m going to stop repeating myself soon, but maybe if I say it again in a different way, you will understand.

This is (simplifying here) a two-step process. 1. The person has a disability. 2. That disability causes marked and severe functional limitations. The check list in Part B is just providing the data on the category of disability. Then you also have to do the second step - demonstrate that the disability causes severe and marked limitation.

It does not say that you have to 'demonstrate' it. It says 'a doctor diagnosed the account owner with a Physical or Mental disability'. You are adding gatekeeping that is not in the actual application.

Oh boy. We’ll have fun with your tax audit.

Oh boy-who is 'we'? I get it, you are stuck on the tax thing, presumably the state income tax deduction which doesn't apply in my state that doesn't have a state income tax. I've never been audited btw.

So you neither understand what the ABLE account is, nor the eligibility standards. Great!

Folks please talk to a financial advisor about your financial planning.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote: continued - Part B on pg 3 lists the Codes for the Disability, autism is under Code one, autism is the disability that qualifies under Section C.

Read all of section C

I have, and explained it above. You are trying to add in extra of your...opinion?...that is not actually part of the qualification-again, it's clearly listed that the diagnosis of autism is the qualifier.

1. The statute which I quoted states the requirement.

2. part B and C of the form are *both* required. In B you indicate the type of disability. In C you certify that a doctor has found the disability causes marked and severe functional limitations. Then you also attest to the truthfulness of those representations at the bottom.

If you don’t grasp this you probably shouldn’t be pretending to give legal or tax advice.

THE DIAGNOSIS IS THE DISABILITY THAT CAUSES MARKED AND SEVERE FUNCTIONAL LIMITATIONS, ACCORDING TO THE RULES OF THE ABLE PLANS.

Nowhere does it say 'you have to have a lot of autism (or cp or epilepsy or whatever dx) to be eligble'. A lot or a little autism isn't even the dx- it's 'autism'.

You’re just … totally wrong. There is a list of “per se” diagnosis that don’t require the certification of severe and market limitations (the SSI “compassionate” list). Autism isn’t on that list.

Anyway good luck to you, and everyone else, please consult a tax professional.

That's because autism is on the list of qualifying dx! Why is this going over your head?

It’s going over your head, hon.

For disability benefits of all types, there are very rarely any broad diagnoses that qualify based on the diagnosis alone. You also have to show that the diagnosis limits the beneficiary in certain ways. The ABLE accounts are no different. There is a list of diagnoses that are so severe that they qualify on their own (the SSA compassionate list) but these are all conditions that are invariably severe, like fatal cancers or severe congenital conditions). Autism is not on this list.

You seem to think that the section of the form where you code the diagnosis type is the eligibility standard, full stop. But you’re just wrong.

Based on the link YOU posted, YOU are wrong. It lists the qualifying dx's in the codes on pg 3, of which autism is one.

I’m going to stop repeating myself soon, but maybe if I say it again in a different way, you will understand.

This is (simplifying here) a two-step process. 1. The person has a disability. 2. That disability causes marked and severe functional limitations. The check list in Part B is just providing the data on the category of disability. Then you also have to do the second step - demonstrate that the disability causes severe and marked limitation.

It does not say that you have to 'demonstrate' it. It says 'a doctor diagnosed the account owner with a Physical or Mental disability'. You are adding gatekeeping that is not in the actual application.

Oh boy. We’ll have fun with your tax audit.

Oh boy-who is 'we'? I get it, you are stuck on the tax thing, presumably the state income tax deduction which doesn't apply in my state that doesn't have a state income tax. I've never been audited btw.

So you neither understand what the ABLE account is, nor the eligibility standards. Great!

Folks please talk to a financial advisor about your financial planning.

I do, in fact, understand what an ABLE account is, and the eligibility standards-due to reading the info online like the national ABLE site and the site for my state. Oh, and going to an in-person event for my state's able account at a cross disability event. My dc also has had an account (I am the ALR) for years. This is why I am calling out your misinformation that you have repeated throughout this thread-even when I have directly quoted from the link you, yourself, has posted.

You seem resentful of the ABLE account's eligibility rules, for tax reasons...or something...not sure. But, you are coming off as ableist FYI.

But yes, everyone reading here should consider talking to a financial planner who is familiar with the ABLE account, and even call or chat with the plan you would enroll in. They may even have an in person event where you can talk to a person. Even if you feel your dc with ASD has low support needs now-you don't know the future and this can help them. Please don't feel that it is not an option for them!

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:It's the text of the link YOU posted. Do you want a picture of me reading it?

As far as taxes - I have not commented on that. It varies by state so you would need to check the plan you wish to enroll in.

No. I want you to explain exactly why you think you do not have to complete the section C entitled: “Basis under which eligibility is asserted … the account owner must meet one of the requirements below.”

The four “requirements” are:
1. Receiving SSDI
2. Receiving SSI
3. Disability is on the SSA “compassionate” list (note: list does not include autism) or
4. A doctor certifies that the disability causes “marked and severe functional limitations.”

Apparently you believe that all you have to do is check a box in section B - but you are absolutely incorrect about that.

In the link YOU posted, it LITERALLY says in section B 'Please DO NOT submit your written disability-related diagnosis, only check this box and keep your diagnosis documentation with you.' Explain to me how I am incorrect?

NP. On that form you do just check the box.... but only IF you have in your possession documentation from a doctor that the disability is "marked and severe". Only some autism will end up affecting the person that badly, so autism is only a qualified diagnosis IF the patient's doctor concluded that it was severe enough.

It does not say that. It says if you have the diagnosis, which (for this post) is autism. It does NOT say 'some' autism, or that a dr concluded some level-it says Autism. You are adding stuff that is not actually in the document. The diagnosis of Autism is the qualifying disability.

It literally is in Part C of the form, and you also attest to it under penalty of perjury.

Yes, you are attesting that you have the diagnosis, from a dr., of autism. I've explained that more than once.

That’s not what it says ….

It literally is. And I quoted it upthread, from the link 'you' posted.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote: continued - Part B on pg 3 lists the Codes for the Disability, autism is under Code one, autism is the disability that qualifies under Section C.

Read all of section C

I have, and explained it above. You are trying to add in extra of your...opinion?...that is not actually part of the qualification-again, it's clearly listed that the diagnosis of autism is the qualifier.

1. The statute which I quoted states the requirement.

2. part B and C of the form are *both* required. In B you indicate the type of disability. In C you certify that a doctor has found the disability causes marked and severe functional limitations. Then you also attest to the truthfulness of those representations at the bottom.

If you don’t grasp this you probably shouldn’t be pretending to give legal or tax advice.

THE DIAGNOSIS IS THE DISABILITY THAT CAUSES MARKED AND SEVERE FUNCTIONAL LIMITATIONS, ACCORDING TO THE RULES OF THE ABLE PLANS.

Nowhere does it say 'you have to have a lot of autism (or cp or epilepsy or whatever dx) to be eligble'. A lot or a little autism isn't even the dx- it's 'autism'.

You’re just … totally wrong. There is a list of “per se” diagnosis that don’t require the certification of severe and market limitations (the SSI “compassionate” list). Autism isn’t on that list.

Anyway good luck to you, and everyone else, please consult a tax professional.

That's because autism is on the list of qualifying dx! Why is this going over your head?

It’s going over your head, hon.

For disability benefits of all types, there are very rarely any broad diagnoses that qualify based on the diagnosis alone. You also have to show that the diagnosis limits the beneficiary in certain ways. The ABLE accounts are no different. There is a list of diagnoses that are so severe that they qualify on their own (the SSA compassionate list) but these are all conditions that are invariably severe, like fatal cancers or severe congenital conditions). Autism is not on this list.

You seem to think that the section of the form where you code the diagnosis type is the eligibility standard, full stop. But you’re just wrong.

Based on the link YOU posted, YOU are wrong. It lists the qualifying dx's in the codes on pg 3, of which autism is one.

I’m going to stop repeating myself soon, but maybe if I say it again in a different way, you will understand.

This is (simplifying here) a two-step process. 1. The person has a disability. 2. That disability causes marked and severe functional limitations. The check list in Part B is just providing the data on the category of disability. Then you also have to do the second step - demonstrate that the disability causes severe and marked limitation.

It does not say that you have to 'demonstrate' it. It says 'a doctor diagnosed the account owner with a Physical or Mental disability'. You are adding gatekeeping that is not in the actual application.

Oh boy. We’ll have fun with your tax audit.

Oh boy-who is 'we'? I get it, you are stuck on the tax thing, presumably the state income tax deduction which doesn't apply in my state that doesn't have a state income tax. I've never been audited btw.

So you neither understand what the ABLE account is, nor the eligibility standards. Great!

Folks please talk to a financial advisor about your financial planning.

I do, in fact, understand what an ABLE account is, and the eligibility standards-due to reading the info online like the national ABLE site and the site for my state. Oh, and going to an in-person event for my state's able account at a cross disability event. My dc also has had an account (I am the ALR) for years. This is why I am calling out your misinformation that you have repeated throughout this thread-even when I have directly quoted from the link you, yourself, has posted.

You seem resentful of the ABLE account's eligibility rules, for tax reasons...or something...not sure. But, you are coming off as ableist FYI.

But yes, everyone reading here should consider talking to a financial planner who is familiar with the ABLE account, and even call or chat with the plan you would enroll in. They may even have an in person event where you can talk to a person. Even if you feel your dc with ASD has low support needs now-you don't know the future and this can help them. Please don't feel that it is not an option for them!

So you never got the medical certification?

PS it’s not “abilist” to interpret the forms correctly.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:It's the text of the link YOU posted. Do you want a picture of me reading it?

As far as taxes - I have not commented on that. It varies by state so you would need to check the plan you wish to enroll in.

No. I want you to explain exactly why you think you do not have to complete the section C entitled: “Basis under which eligibility is asserted … the account owner must meet one of the requirements below.”

The four “requirements” are:
1. Receiving SSDI
2. Receiving SSI
3. Disability is on the SSA “compassionate” list (note: list does not include autism) or
4. A doctor certifies that the disability causes “marked and severe functional limitations.”

Apparently you believe that all you have to do is check a box in section B - but you are absolutely incorrect about that.

In the link YOU posted, it LITERALLY says in section B 'Please DO NOT submit your written disability-related diagnosis, only check this box and keep your diagnosis documentation with you.' Explain to me how I am incorrect?

NP. On that form you do just check the box.... but only IF you have in your possession documentation from a doctor that the disability is "marked and severe". Only some autism will end up affecting the person that badly, so autism is only a qualified diagnosis IF the patient's doctor concluded that it was severe enough.

It does not say that. It says if you have the diagnosis, which (for this post) is autism. It does NOT say 'some' autism, or that a dr concluded some level-it says Autism. You are adding stuff that is not actually in the document. The diagnosis of Autism is the qualifying disability.

It literally is in Part C of the form, and you also attest to it under penalty of perjury.

Yes, you are attesting that you have the diagnosis, from a dr., of autism. I've explained that more than once.

That’s not what it says ….

It literally is. And I quoted it upthread, from the link 'you' posted.

Please quote the exact language that makes you believe you don’t have to complete part C of the form.

[Anonymous]

For the love of god, please just let it go. Neither of you will convince the other, and it’s okay to agree to disagree.

[Anonymous]

Anonymous wrote:Hi. We are going to a financial planner soon and I wondered whether to factor in having a young child with ASD, with low support needs.

Specifically, I am wondering about whether our child will be able to maintain employment in adulthood. It is quite difficult to get our child to do non-preferred activities or anything that’s hard or requires effort. While I know adulthood is a long way off, from the statistics I’ve read about employment rates for “high functioning” folks with ASD, and the frequency with which this population is underemployed and unemployed, I am concerned and thinking we should do some contingency planning, if possible.

Does anyone have experience with this? Thank you.

You said your child is young, so you don't have to start an ABLE account now.

We didn't open ours until DS was 18 and eligible for SSI.

"Low needs" could look like anything when your child is 18. I know of several smart kids with low needs who are unemployed because of their disability.

[Anonymous]

Anonymous wrote:If some ASD kids didn't work and marry there wouldn't be DCUM posters asking about their SN kids and burying the lede that spouse is ASD.

It’s only “the lede” if you are hell-bent on a eugenicist campaign of blaming the victim.

When the question is about a kid with support needs, why else would the spouse’s autism be “the lede”?

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:NP here and I have no dog in this fight but I agree that most physicians would sign the disability certification for any autism dx, since it by definition is a disorder that impairs social interaction and communication. I have a ds with CP and he is less impaired in many ways than someone with a level 1 ASD dx. He is 6 yo and can ride a bike, swim, climb in a climbing gym better than his peers, etc. He has a normal range IQ, has age appropriate handwriting, good social skills, can dress himself and uses the toilet independently, etc. There was no question he qualified for a CARES account.

Sorry you have to read the form. Physical disability is different.
https://cdn.unite529.com/jcdn/files/UABLE/pdfs/dc-enrollment.pdf

The NP again - Code 4 is or CP but Code 1 is for autism. You will note it even includes "Aspergers" which is essential the old name for level 1 ASD. They don't have different requirements based on what code you check off.

You don’t just check the box. You ALSO have to meet the enrollment criteria that they disability causes “marked and severe function limitations.”

The diagnosis of autism is the qualifying criteria for this.

It’s not. read the enrollment criteria below.

Read the definition of autism.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:NP here and I have no dog in this fight but I agree that most physicians would sign the disability certification for any autism dx, since it by definition is a disorder that impairs social interaction and communication. I have a ds with CP and he is less impaired in many ways than someone with a level 1 ASD dx. He is 6 yo and can ride a bike, swim, climb in a climbing gym better than his peers, etc. He has a normal range IQ, has age appropriate handwriting, good social skills, can dress himself and uses the toilet independently, etc. There was no question he qualified for a CARES account.

Sorry you have to read the form. Physical disability is different.
https://cdn.unite529.com/jcdn/files/UABLE/pdfs/dc-enrollment.pdf

The NP again - Code 4 is or CP but Code 1 is for autism. You will note it even includes "Aspergers" which is essential the old name for level 1 ASD. They don't have different requirements based on what code you check off.

You don’t just check the box. You ALSO have to meet the enrollment criteria that they disability causes “marked and severe function limitations.”

The diagnosis of autism is the qualifying criteria for this.

It’s not. read the enrollment criteria below.

Read the definition of autism.

What definition?

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:NP here and I have no dog in this fight but I agree that most physicians would sign the disability certification for any autism dx, since it by definition is a disorder that impairs social interaction and communication. I have a ds with CP and he is less impaired in many ways than someone with a level 1 ASD dx. He is 6 yo and can ride a bike, swim, climb in a climbing gym better than his peers, etc. He has a normal range IQ, has age appropriate handwriting, good social skills, can dress himself and uses the toilet independently, etc. There was no question he qualified for a CARES account.

Sorry you have to read the form. Physical disability is different.
https://cdn.unite529.com/jcdn/files/UABLE/pdfs/dc-enrollment.pdf

The NP again - Code 4 is or CP but Code 1 is for autism. You will note it even includes "Aspergers" which is essential the old name for level 1 ASD. They don't have different requirements based on what code you check off.

You don’t just check the box. You ALSO have to meet the enrollment criteria that they disability causes “marked and severe function limitations.”

The diagnosis of autism is the qualifying criteria for this.

It’s not. read the enrollment criteria below.

Read the definition of autism.

What definition?

The one in the DSM-V.