How Does Full Time RVing Affect Social Security Disability Payments?

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How Does Full Time RVing Affect Social Security Disability Payments?

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Use direct deposit to one bank, internet bill paying
by: Anonymous

Direct deposit of SS income is preferred by the feds. Don't wait for their checks; have the money sent directly to your bank account. Banks will email monthly statements to you (actually, notice that your statement is available online), as will most credit card companies.

Pay via credit card as often as possible. Set up two accounts at your bank, one for the direct deposits (from any of your sources) and the other for paying your bills (typically just credit card accounts, but sometimes eBay or ATM withdrawals). Then transfer only the amount you need right now from "source" account to "payout" account by connecting either by phone or by internet to your bank. Then "pay" your bills via internet. Note that most utilities will allow auto-charges to your credit card (so that you never have to worry about missing the monthly bill, and you get points for all those small payments).

This way you still control the money flow as if writing checks or money-orders, but hackers and muggers can only "drain" a small amount from your "pay" account, should that happen to you (lost ATM/debit card, hacked eBay account, stolen checkbook).

As far as the Feds are concerned, you don't ever change your address because they are sending your check to a bank, not your home. Your friends will be in touch by phone or email, so you don't even need a postal box.

The only concern is an address for your RV registration and insurance, your driver's license, and voting. Consider "moving" to a South Dakota "address" - here's one web site that explains the process very well.

I use UTAH for the same purpose, having a relative that lives there. The savings in insurance alone pays for the cost to travel to UTAH annually for vehicle inspection.

Note To Anonymous From RVing Al Thanks for your input, you mention a website in your comment to get more information, I do not know if you tried to use HTML to put the website address in or not, but it did not work. Please Contact Me and send me the website address in the following format www.name of website. For security reasons you cannot use HTML on any of our submission forms.

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Submitted by: Anonymous

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Direct deposit of SS income is preferred by the feds. Don't wait for their checks; have the money sent directly to your bank account. Banks will email monthly statements to you (actually, notice that your statement is available online), as will most credit card companies. Pay via credit card as often as possible. Set up two accounts at your bank, one for the direct deposits (from any of your sources) and the other for paying your bills (typically just credit card accounts, but sometimes eBay or ATM withdrawals). Then transfer only the amount you need right now from "source" account to "payout" account by connecting either by phone or by internet to your bank. Then "pay" your bills via internet. Note that most utilities will allow auto-charges to your credit card (so that you never have to worry about missing the monthly bill, and you get points for all those small payments). This way you still control the money flow as if writing checks or money-orders, but hackers and muggers can only "drain" a small amount from your "pay" account, should that happen to you (lost ATM/debit card, hacked eBay account, stolen checkbook). As far as the Feds are concerned, you don't ever change your address because they are sending your check to a bank, not your home. Your friends will be in touch by phone or email, so you don't even need a postal box. The only concern is an address for your RV registration and insurance, your driver's license, and voting. Consider "moving" to a South Dakota "address" - here's one web site that explains the process very well. I use UTAH for the same purpose, having a relative that lives there. The savings in insurance alone pays for the cost to travel to UTAH annually for vehicle inspection. <b>Note To Anonymous From RVing Al</b> Thanks for your input, you mention a website in your comment to get more information, I do not know if you tried to use HTML to put the website address in or not, but it did not work. Please <a href="http://www.everything-about-rving.com/Contact-Us.html">Contact Me</a> and send me the website address in the following format www.name of website. For security reasons you cannot use HTML on any of our submission forms.

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Follow the rules
by: Jaimie Hall Bruzenak

Full-time RVing should not affect your SSI payments as long as you continue to follow the rules. Primary would be earning money. As RVing Al suggests, you can choose a different domicile- that's like moving. I do know RVers who travel and collect SSI.

Jaimie Hall Bruzenak
author of Support Your RV Lifestyle! An Insider's Guide to Working on the Road

Note from RVing Al Jaimie's highly rated book Support Your RV Lifestyle! An Insider's Guide to Working on the Road, 2nd Edition is a must read for full time RVers. You should also visit Jaimie's website RV Lifestyle Experts which has great information for all RVers.

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How Does Full Time RVing Affect Social Security Disability Payments?

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How Does Full Time RVing Affect Social Security Disability Payments?