CAN I GET ON A PAYMENT PLAN WITH SSD?

Disclaimer: The question below was submitted by a reader. Names have been anonymized. The information provided is for general informational purposes only and does not constitute legal, financial, or professional advice. Individual circumstances vary, and readers should contact their service provider directly or consult a qualified professional for advice specific to their situation.

Gary, California April 15, 2023

Hi I get one check a month from SSD I WAS WONDERING IF I COULD GET ON A PAYMENT PLAN

ConnectCalifornia followed up with Gary requesting more information

ConnectCalifornia Expert April 15, 2023

Thanks for reaching out, Gary. We'd be happy to help you figure out your options. A couple quick questions: Have you tried calling Spectrum before about a payment plan, and if so, what did they say? Also, what day of the month does your SSD check typically arrive? That will help us give you more specific advice.

Gary, California April 16, 2023

I CALLED THEM BEFORE AND THEY SAID NO but maybe i didnt talk to the right person?? my check comes on the 3rd every month

ConnectCalifornia Expert April 17, 2023

Yes, Spectrum does offer payment arrangements, but getting one set up isn’t always straightforward.

Since you’re on Social Security Disability with one check per month, here’s what I’d recommend: call Spectrum directly at (833) 267-6094 and explain your situation. Ask specifically for a “payment arrangement” that aligns with when your check arrives. They can often adjust the due date or let you pay in installments.

Also worth looking into: if you’re on SSD, you likely qualify for Spectrum Internet Assist, their low-income plan. It’s around $17.99/month for 30 Mbps - not blazing fast, but much easier to manage on a fixed income than their regular $50+ plans. You’d need to apply separately for that, but it might solve the problem more permanently than a payment plan.

One heads up: the first-line reps sometimes say “we don’t do that.” If that happens, politely ask to speak with a supervisor. Spectrum’s policies aren’t applied consistently, and supervisors have more flexibility.

Since your check arrives on the 3rd, ask them specifically to move your billing due date to around the 10th. That gives you a week of buffer after your income arrives.

Outcome: Resolved

Gary was able to get his due date moved to the 12th of each month after speaking with a supervisor. He also applied for Spectrum Internet Assist and was approved, reducing his bill from $54.99 to $17.99.

Updated May 02, 2023

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