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SSI: Eligibility: Income Requirements

Income Requirements For SSI Eligibility: Deemed Income

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Included:

  • Spousal income of the non-SSI eligible spouse is deemed available to the SSI eligible person, even it the income is not actually available - as long as the two of you live together.
  • Parents and children under age 18: both parents' incomes are counted with respect to an SSI-eligible disabled child. Pension funds of the parents are not counted.
  • In kind support such as free or below-cost food, clothing or shelter, or something you can use to get food, clothing or shelter. In kind support is valued one of two ways, depending on your Living Arrangements.
    • For individuals who live "in the household of another" in which you receive a subsidy for both food and shelter, you deduct from gross income one third of the Federal Benefit Rate.
    • For all other living arrangements, the amount to deduct is one third of the Federal Benefit Rate plus $20. The rules concerning living arrangements are complicated and living arrangements can be changed at any time. A living arrangement can change even though you remain in the same location and live with the same people. If you have a question, speak with a qualified social worker or a non-profit organization that helps people with SSI such as your disease specific nonprofit organization.
    • To learn more about living arrangements, see: www.ssa.gov/ssi/text-living-ussi.htm offsite link.
  • In kind rental subsidy: If the rent you pay is less than the fair or current market rental value, SSI can count the difference as a subsidy. If landlord and tenant are strangers, SSI assumes that rent is equal to the current market value. However, if there is parent/child relationship, SSI assumes you are not paying fair market value and will set a value on the rental subsidy. If there is a rental subsidy, your SSI is reduced by the lesser of:
    • The difference between the current market rental value and what you are paying .
    • The presumed maximum value which is l/3 of Federal Benefit Rate plus $20.
  • Earned income tax credits.

Exclusions:

  • Repayment of a loan.
  • Loans which are expected to be repaid. If a family member gives you money, it counts as income and can make you ineligible for SSI. However, it doesn't count as income if you're loaned the money. If you are considering a loan, execute a written loan agreement with a promise to repay as evidence of the loan. Include interest in the agreement or it won't look like a real loan - even though it's from a friend or family member. The transaction can still be a loan if the agreement provides you don't have to start paying interest or pay any of the money back for a limited period such as six months. If you don't pay the interest stated in the document, the transaction is likely not to be deemed to be a loan.
  • Medical care and services.
  • Social services.
  • Sale or replacement of a resource. For example, if you sell your home, it isn't income. It is treated as another form of the resource.
  • Income tax refunds.
  • Payments made by third parties directly to vendors for bills of the claimant for any non-food, clothing or shelter items. For example, a friend pays for a repair to your house.
  • Weatherization assistance.
  • Receipt of certain non-cash items which would be excludable as a resource such as an automobile.
  • Flexible Spending Accounts (See Flexible Spending Accounts.)

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