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What are deemed income and resources and how do they affect SSI payment amounts and qualifying for SSI Disability?

By   /  March 3, 2016  /  785 Comments

Learn about how deemed income and resources from your ineligible spouse can affect your SSI application and your qualifying for SSI disability ongoing.

qualifying-for-ssi-disability-2The Definition of Deemed Income
and Deemed Resources

Qualifying for SSI disability medically is one step in getting benefits. You must also meet the financial qualifications. Deemed resources and deemed income refer to the portion of your ineligible spouse’s income and resources that are considered to be yours and that are used in calculating your SSI payment and in determining whether you meet the SSI resource limit. For a more information about deemed income, see our article “Why Do I Have to Give Information about My Family’s Income and Assets When I Apply for SSI Benefits?

Determining the Amount of Deemed Assets

If an SSI applicant or recipient is married and living with his or her spouse, the spouse’s countable assets are added to the SSI-eligible person’s countable assets. Then the total is compared to the SSI resource limit for couples, which in 2016 is $3,000.

Keep in mind that many assets are not considered resources for SSI. For example, a home that you live in, usually one vehicle used for family transportation, some burial funds and policies, pension funds, and several other kinds of assets are not deemable assets and do not count towards the resource limit.

How Deemed Income Works

The amount of income that is deemed to an SSI recipient from his or her ineligible spouse depends on the amount of income the “deemor” has, on whether earned or unearned income exclusions apply, on the number of non-SSI-eligible children in the household, and on whether the ineligible spouse has sponsored an noncitizen’s immigration to the U.S.

Deeming Income from Spouse to Spouse

Several steps are involved in calculating the amount of income, if any, that is deemed available to the SSI applicant.

First, if there are minor children in the household who are not eligible for SSI and who do not receive public income-maintenance payments, then an amount equal to the difference between the unreduced federal SSI rate for a couple and the unreduced federal rate for an individual is allocated and excluded for the child’s support. An allocation is also deducted for any alien that the ineligible spouse has sponsored. In 2016 the difference between the $1,100 couple SSI rate and the $733 individual rate is $367. This amount is reduced by the amount of most types of income the child or sponsored alien may have.

Second, after these allocations are determined, they are used to reduce the ineligible spouse’s income, starting with any unearned income. If the spouse does not have enough unearned income of offset the allocations, the allocations will be applied to the spouse’s earned income.

Here’s an example: Let’s say that an ineligible spouse has $100 unearned income and $1,600 a month gross wages and the family has two ineligible children, one of whom receives child support in the amount of $200 a month. Here’s how the Social Security Administration would figure out the amount of income to be deemed.

Allocation Calculation

$367.00     allocation for first child
– 200.00    child support
$ 167.00    net allocation for first child
+367.00     allocation for second child
$534.00     total children’s allocation

Calculation of Spouse’s Income after Children’s Calculations

$100.00     spouse’s unearned income
 – 100.00     portion of children’s allocation
0     spouse’s remaining unearned income

$1,400.00   spouse’s earned income
–    434.00   remaining children’s allocation
$   966.00  spouse’s remaining earned income

$966.00     spouse’s remaining earned income
+         0     spouse’s remaining unearned income
$966.00     spouse’s total remaining income

The next step is to compare the ineligible spouse’s remaining income of $978 to the difference between the federal SSI couple rate and the individual rate, which—as noted—in 2015 is $367. If the remaining amount is less that the difference, deeming does not apply and the SSI applicant’s benefit is calculated based on his or her income alone.

In our example, the ineligible spouse’s remaining countable income of $978 is more than $367, so the calculation moves to the next step, which is to treat the SSI-eligible person and the ineligible spouse as an eligible couple for the purposes of determining payment amount. This is done by combining the remainder of the ineligible spouse’s income with the SSI-eligible person’s income.

To continue our previous example, we will say that the SSI-eligible person has unearned private pension income of $150 and $120 in wages.

Unearned income calculation:

$ 150.00     eligible spouse
+         0      ineligible spouse
$ 150.00
–    20.00     general income exclusion
$ 130.00     total countable unearned income

Earned income calculation:

 $  966.00   ineligible spouse’s earned income
+   120.00   eligible spouse’s earned income
$1,086.00   couple’s earned income
–      65.00   earned income exclusion
$1,021.00
/             2   second earned income exclusion
$   510.50   total countable earned income

Payment calculation

$1,100.00   SSI couple maximum rate
–    510.50   countable earned income
$   589.50
–    130.00   countable unearned income
$   459.50   SSI payable

For information about deeming from a parent to a disabled child, visit our article “What Are Deemed Income and Resources and How Do They Affect an SSI Application for Children? ” For more information about deeming from sponsors to noncitizens and deeming from essential persons, see our articles “How Can a Noncitizen Go About Qualifying for SSI Disability?” and “What Do I Need to Know About Qualifying for SSI Disability with an Essential Person?

A Few Special Considerations

It’s very important to report changes in household composition, admission to institutions, marriages, divorces, and births because all these may affect deemed income and the amount of SSI due.

It is worth mentioning again that many kinds of income are not counted in determining SSI eligibility. For a list of income that is excluded from deeming, see our article “When I Complete My SSI Application Form, It Asks Me to Declare My Income. Does All My Income Affect My SSI?

The actual amount payable to the eligible person is the lesser of the amount arrived at with deeming and the amount that would be paid to the individual without consideration of deeming.

Generally deeming does not apply if the spouse or parent does not live with the SSI-eligible person. Exceptions include temporary absence, such as a child going away to school or an ineligible spouse being absent due to a duty assignment as an active member of the armed forces.

Deeming does not apply if the SSI recipient becomes a resident of an institution and becomes eligible for the $30 SSI benefit rate.

Deemed income follows the general rule regarding when income counts, that is, two months following when it is received except when eligibility is just starting or re-starting after a month of ineligibility, after some changes in marital status or household composition, and a change in living arrangements such as coming out of an institution.

The explanations in this article cover the most common and simplest situations. The laws that govern SSI financial eligibility, including deeming, are very complex. If your income caused a denial when you were qualifying for SSI Disability or you believe that too much of your spouse’s income or assets were counted against your SSI benefit, an attorney well-versed in SSI and Social Security law can be very helpful when you file an SSI appeal.

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  • Published: 11 months ago on March 3, 2016
  • By:
  • Last Modified: December 5, 2016 @ 7:42 pm
  • Filed Under: SSI
  • Dear Nicole,

    Assuming your and your husband’s countable assets do not exceed the $3,000 resource limit for couples, you will remain eligible for SSI. Your benefit will be about $307.

    Sincerely,
    Kay

  • Dear Nicole,

    Assuming that your husband’s assets and yours combined are within the Supplemental Security Income (SSI) resource limit, your eligibility for SSI would continue. Your benefits would be reduced to about $296.

    Sincerely,
    Kay

  • Dear Amanda,

    With $2,500 work earnings, in months that your child received $140 in child support, your husband would be eligible for about $21; in months of no child support, about $161.

    Sincerely,
    Kay

  • Dear Donna,

    Your family income is about $500 over the limit for you to receive Supplemental Security Income (SSI). If you haven’t already, you might apply for SNAP (food stamp) benefits to see if you qualify.

    Sincerely,
    Kay

  • Dear Clara,

    With the corrected information, I calculate your son will be eligible for about $615.

    Sincerely,
    Kay

  • Dear Justin,

    Your girlfriend’s income is not considered in determining the amount of your Supplemental Security Income (SSI) benefits because you are not married. Because her income is not considered, the children in the household do not have an effect either. If your living arrangements are the same in Michigan, just the four of you in the home and you pay at least one quarter (your share) of the shelter expenses and food if you share food, your payment should be the same in Michigan. Shelter expenses are shelter utilities (power, heat, water/sewer, and garbage) and rent or mortgage, property tax and, if required by the lender, property insurance.

    Sincerely,
    Kay

  • Dear Genesis,

    If you do not have other children in the household, your child’s benefit will be reduced to about $92.

    Sincerely,
    Kay

  • Dear April,

    The child support should not count as your income because it is paid for the children. The children each have $180 monthly income if the support is for three of them or $135 if it is for all four.

    Your husband’s income counts when it is paid. If it is paid out over twelve months, his monthly income would be $1,333. If that is the case, you would be eligible for the maximum federal payment of $735 every month. If he does not have equal pay throughout the year, in months that he has $1,900 gross earnings, your benefit will be about $480. If you are approved for benefits and the unpaid child support starts, be sure to report it right away to avoid potential overpayment.

    Sincerely,
    Kay

  • Dear Tasha,

    I estimate that your son will be eligible for about $289.

    Sincerely,
    Kay

  • Dear Jazz,

    If your income is gross work earnings, your daughter’s SSI will be $735, assuming you are currently paying for her shelter and food.

    Sincerely,
    Kay

  • Dear Clara,

    Assuming that your children have to income and your assets are within the limits, your son will be eligible for approximately $428 in Supplemental Security Income (SSI) benefits.

    Sincerely,
    Kay

  • Dear Shaw,

    Every $2 of your husband’s earnings above about $1,920 gross will cause your Supplemental Security Income (SSI) benefits to be reduced by $1.

    Sincerely,
    Kay

  • Dear Gabrieka,

    Your income should not affect your boyfriend’s Supplemental Security Income (SSI) benefits because you are not married. If he has had no income since he applied, he has been receiving free housing from you (and food?), so it is likely that his benefit will be $490 in 2017 and $488 in 2015 and 2016, reduced from the maximum because of the in-kind (non-cash) support from you.

    Sincerely,
    Kay

  • Dear Don,

    Yes, your children will qualify financially for Supplemental Security Income (SSI) benefits.

    Sincerely,
    Kay

  • Dear Krista,

    With your raise, your child will be eligible for about $491 monthly.

    Sincerely,
    Kay

  • Dear Amy,

    Please tell me the following so that I can answer your question.
    1. How much and what kind of income do you have?
    2. Are you are married living with a spouse? If yes, how much and what kind of income does your spouse have?

    Sincerely,
    Kay

  • Dear Kendra,

    If your husband does not have any income and your and his assets are within Supplemental Security Income (SSI) limits, your child will be eligible for about $675 a month.

    Sincerely,
    Kay

  • Dear Bryant,

    I calculate that you will be eligible for $68 a month for months in 2016 and $70 in 2017. You can see the calculation formula in the article “What Are Deemed Income and Resources and How Do They Affect SSI Payment Amounts and Qualifying for SSI Disability?” under the SSI tab at the top of this webpage.

    Sincerely,
    Kay

  • Dear Jess,

    I calculate that your husband will not be eligible for SSI and that your three children will be eligible for $422 each. The total reduction in benefits would be $1674; however, your work earnings would more than make up for that loss. Your husband’s Medicaid eligibility based on SSI entitlement will end, so you may want to investigate alternatives. Perhaps your employer is offering health insurance and you can place your husband on your health insurance from work. If not, check with a health insurance broker and/or the Affordable Care Act (ACA) at http://www.healthcare.gov.

    Sincerely,
    Kay

  • Dear Carla,

    If your husband returns to work and earns $3,798 a month, you will not be eligible for SSI benefits, but your child will continue to be eligible for about $363 a month in federal SSI plus any California SSI state supplement. Perhaps your husband will get health insurance through his work and be able to insure you. If not, check whether you can get a government subsidy to help with insurance premiums. Information about this is available at http://www.healthcare.gov.

    Sincerely,
    Kay

  • Erin

    Hi!

    We live in Michigan and have a 5 yr old son with high functioning autism and 2 other children, for a total of 5 in our family. Our son also has selective mutism and is basically non-verbal in several social settings, including school. My husband works and his gross income is around 105k/yr. while this seems high, my son’s therapies are not covered by my husband’s self insured health care plan. Our only option is to buy him his own plan essentially doubling the cost of our health care overall. Income is too high for Medicaid, but too low to absorb the $40k/yr needed for therapy. I’ve tried working, but with the multiple appointments each week, it’s a disaster.

    Do I even waste time trying to apply or are we too high?

    • Dear Erin,

      AS you suspected, your income is too high for you son to receive Supplemental Security Income. The earned income limit for a family with two parents and two non-disabled children is $4,525 per month.

      Sincerely,
      Kay

  • Dear Crystal,

    I can not advise you to divorce. That is a decision you and your husband would have to make. If your $3,000 earnings from self-employment is net profit and not gross receipts before business expenses, your income is too high for your husband to receive Supplemental Security Income (SSI). You will be asked to submit a statement of your estimated gross earnings, business expenses, and net profit since the date your husband applied.

    Sincerely,
    Kay

  • Dear Mommy of 2,

    If your $1,480 earnings are gross earnings and your children have no other income, I estimate that your son’s SSI will be the maximum federal payment of $733.

    Sincerely,
    Kay

  • Dear Jaimi,

    You should have included your husband in the household if he lives with you. Part of your income would then be allocated for his support. However, if the earnings you listed are gross earnings, I estimate that even with your husband in the household, the portion of your income that would be deemed (considered) available for your child’s support would be about $815 of which $805 would be countable income and above the income limit for a federal SSI payment. For at least $1 to be payable, your child’s income including deemable income must be below $753 ($755 in 2017). An exception is that some states have an SSI state supplement that allows slightly higher income. You can check with your Social Security office to find out whether your state has a supplement for disabled children and if so the income limit.

    Sincerely,
    Kay

  • Dear Crystal,

    If your husband’s $2,700 is gross wages and your children do not have income and if your older child is a student, he can be claimed as an ineligible child and given an allotment from your husband’s income for his support. If that is the case, in months that your husband receives two pay checks you will receive about $482. If your older child is not a student your benefit will be about $115. Twice a year when your husband receives three paychecks, you will not be eligible for a federal payment. If you live in a state with an SSI state supplement, then slightly higher income is allowed.

    Sincerely,
    Kay

  • Dear Lakeya,

    If your $2,400 earnings are gross earnings and your children have no income, I estimate your disabled child will be eligible for about $686.

    Sincerely,
    Kay

  • Missus Harmon

    I have two sons with autism. I have no other children in my household.
    I do not work and have NO income of any kind.
    My husband(sons’ father) lives with us and makes about 2652$ a month before tax.
    My question is whether we be ineligible for deeming my husband’s earned income for my boys’ SSI based on there being ZERO/NO children that are ineligible for SSI? (we live in oregon)

    thanks and have a good day

    • Dear Missus Harmon,

      I estimate that your children will be eligible for about $657 each if they qualify medically and if your family does not have excess countable resources.

      Sincerely,
      Kay

  • Tricia

    If a single parent has a monthly gross income of close to $5000 but monthly net of just under $2000 will her kids qualify for SSI based on the income?

    • Kay Derochie

      Dear Tricia,

      Whether or not $5,000 a month is too much income depends on the number of children being supported by the parent. If you can give me more information, I will try to respond. How many children are there in the household? Is the parent paying child support to children outside the household? Do the children in the household receive child support or other income?

      Sincerely,
      Kay

  • mariah

    my son was just approved for disability and im trying to figure out how they got the amount they got. both me and my husband work he gross about 1000 a check every 2 weeks but he only brings roughly 250-300. I bring about 350 a check twice a month. i was wonder if they count that he pays child support for other children or do they just go by our gross income. do they also take in to consideration bills we pay like rent,electric, gas,ect

    • Kay Derochie

      Dear Mariah,

      Supplemental Security Income (SSI) considers gross wages and also child support that is paid. Please provide the amount of child support that your husband pays, the number of children it is for, and whether you have children in your home besides your disabled child. When I have that information I will figure out roughly the amount per month your son is eligible for.

      Sincerely,
      Kay

      Sincerely,

  • Concerned Rho

    Hi!!! My 3 year old son was recently diagnosed with severe speech problem and I was considering applying ssi.we are 4 un our house My husband earns about 2900 per month and he is the only one working. We have 2 kids only one with disability and we were approved for medicaid. Are we elegible and if approved how much will My son receive?

    • Kay Derochie

      Dear Concerned Rho,

      If your family’s countable assets are within the limit and your husband’s $2,900 earnings are gross earnings, I estimate that your child would be eligible for about $619.

      Sincerely,
      Kay

  • Steven Farley

    My girlfriend gets $733 SSI and pays $350 towards shelter, I get $1241 SSDI. If we marry how much will her SSI be reduced?

    • Kay Derochie

      Dear Steven,

      If you decline to apply for SSI for yourself, your wife’s SSI will be reduced to $245. If you also apply for SSI, neither of you will be eligible for SSI because the maximum couple rate is $1,100.

      Sincerely,
      Kay

  • Tracy Mcguire

    Hi I live in Florida and have just been fully awarded a appeal for SSI. My Husband makes $22oo. a month gross income we have 1 child under 18 at home and an adult child who is not currently at school but has some disabilities. Also when they determine payments do they also deduct your monthly expenses? How much can I get from ssi?

    • Kay Derochie

      Dear Tracy,

      Supplemental Security Income (SSI) benefits are calculated based on income not expenses with one exception, child support being paid to a child outside the household. Assuming that your husband’s $2,200 earnings are gross wages before taxes or net profit from self employment and that your minor child does not have income, I estimate that your SSI will be about $236 per month. As an aside, does your older child have disabilities severe enough to keep him from working? If so, he can apply for SSI also.

      Sincerely,
      Kay

      • Tracy S Mcguire

        Thank you Kay, yes my has asbergers and some learning disabiltys so i am not sure if she falls thru the cracks or not.

        • Kay Derochie

          Dear Tracy,

          If your child’s conditions affect his or her functioning, he or she may be eligible for benefits. The best way to find out is to file a claim. Plan to submit any special education school plan the child may have.

          Sincerely,
          Kay

      • Tracy S Mcguire

        If she is studying for her GED which takes her 3 times as long as someone else would they count her as an deduction? What if she doesnt always go?

        • Kay Derochie

          Dear Tracy,

          Please explain what you mean by “a deduction” so I can try to answer your question.

          Sincerely,
          Kay

  • Courtney

    I have a concern i have 3 children 2 of which have autism and receive $733 amonth each i an unable to work due to their disabilities. My boyfriend and i have been talking about marriage he works and makes $1400 befor taxes at his job if we get married will my kids income drop and if so to what?

    • Kay Derochie

      Dear Courtney,

      If you marry, your husband’s income of $1,400 will not cause a reduction in your children’s Supplemental Security Income (SSI) benefits. However, his assets (what he owns) will also be considered in determining whether family assets are within the SSI resource limits.

      Married, you and he can have $3,000 in countable assets including among other things cash, bank accounts, accessible retirement accounts, certain life insurance policies, property you don’t live on, and second vehicles. (The vehicle with the lower equity value counts.) If his and your assets exceed $3,000 the excess is split in half and counted toward each of your child’s $2,000 asset limit. For example, if you have $6,000 in assets, $1,500 would count toward each child’s limit.

      Sincerely,
      Kay

    • Not sure if this where I post so if not I apologize. My husband makes around 3600 to 4000 a month and I have 5 children and my daughter gets 733 a month ssi and my son was just approved so was wondering if he would get the same amount or if it would be lowered. We only have one asset worth 6,000

      • Kay Derochie

        Dear Stacey,

        I calculate that each of your disabled children will be eligible for about $595 in month that your husband makes $4,000 gross and $733 in months he makes $3,600.

        Sincerely,
        Kay

        • Meghann Knotts

          My fiance makes $3500/mo gross. I get supplemental security disability. We have 2 minor children. If we get married will I lose my $733 and insurance?

          • Kay Derochie

            Dear Meghann,

            If you marry, your family income will be too high for you to receive a Supplemental Security Income (SSI) payment and your Medicaid eligibility based on SSI eligibility will end. If your fiance has insurance through work, he may be able to insure you also. Another alternative would be to apply for insurance for the family through the Affordable Care Act (ACA) or you might qualify for Medicaid based on other criteria. More information about insurance under the ACA is available at http://www.healthcare.gov.

            Sincerely,
            Kay

  • Patricia tanem

    Hi , my question is concerning my supplemental security income. I do not get the disability. I was approved for the supplemental s.i. about 6 months ago. I am married. The thing is my husband had been on temporary disability for about last 9 months for a back injury. He was receiving about $900.00 a month. I was receiving about $350.00 a month for the supplemental s.i. He will now this month be returning to work. & he will be making about $2000 a month. I am very concerned that i will lose my supplemental s.i. & my health insurance.what is the amount of earned income he can make & i still get my s.s i ? I have been to few different sites trying to figure this out. This some what confusing to me. Your answering my question would be much appreciated! … patricia

    • Kay Derochie

      Dear Patricia,

      With your husband earning $2,000 gross per month and no minor children in the household and not child support being paid for children outside the household, your SSI benefit will be about $153.

      Sincerely,
      Kay

      • Patricia tanem

        Thank you for answering my question 🙂

        • Kay Derochie

          You are welcome, Patricia.

          • rosa martinez

            Hi I want it to ask about ssi for both my daughters see if you can help. My husband makes 2200 monthly my rent is 1400 and bills on the side are like 250, we have a car note of 400 and phone bills for 185, i have two toddlers one the oldest is 3 and the youngest is two my three yr old has a case of asthma and bad eczema to the point she scratches and makes herself bleed , my toddler was born premature and has asthma she gets sick very often, its so hard for me to want to work because theyre health is my main concern and they need of my care attention and supervision. Will they be approved for ssi and how much will they receive?

            • Kay Derochie

              Dear Rosa,

              I am not able to predict whether your children will be approved for benefits. The best way to find out is to file claims for them; however, you can read about how a child is evaluated for disability in the article “What Medical Conditions Are Required to Meet SSI Disability Qualifications and to Get an SSI Approval?” under the “SSI” tab at the top of this web page. If children are approved and your husband’s $2,200 earnings are gross wages, they will be eligible for $733 a month each, assuming you and your husband and the children do not have assets that exceed the Supplemental Security Income (SSI) resource limits.

              Sincerely,
              Kay

  • Tonya

    Also will i recieve ssdi on top of this? Or would the ssdi come first. I dont think i will be approved for ssdi but just in case i guess.

    • Kay Derochie

      Dear Tonya,

      If you are approved for both Social Security Disability (SSD aka SSDI) and Supplemental Security Income (SSI), SSI will be paid first. Any SSD back benefits will be reduced by SSI back benefits paid for the same months.

      Sincerely,
      Kay

  • Andres

    Greetings:

    I just got approved for medical benefits, but non-existent medical is still pending. My husband makes $3500 in military retirement each month, I make zero. We also have two minor children. $1,100 in rent, and other typical expenses. Will I be eligible for income, or does my husband make too much in retirement for me to qualify for the non medical? Thank you.

    • Kay Derochie

      Dear Andres,

      Your husband’s retirement income is too high for you to qualify for Supplemental Security Income (SSI) benefits.

      Sincerely,
      Kay

  • Tonya

    If I am approved for SSI how much will I receive? I’m married and my husband is not disabled we have 3 children and my husband makes about $1,800 a month after taxes

    • Kay Derochie

      Dear Tonya,

      If you are approved, your benefit will be $733.

      Sincerely,
      Kay

  • monica

    My sons ssi hearing is coming in 8days..I receive 1,242-in ssd my non disabled child receives 310 from my record and my disabled son receives 310 per month I am married by my husband does not work..How much would my son receive in ssi benefits?

    • Kay Derochie

      Dear Monica,

      I estimate that, if approved, your son will be eligible for about $442 per month in ongoing benefits. Back pay will be calculated month by month and will depend on the family’s income and assets in each month.

      Sincerely,
      Kay

  • michael Garrison

    Hello like to know how much my girlfriend will get for ssi ,I get 1051 after Medicare taking out of my check Medicare premium is 112 month plus we have three children witch gets 192 each, my girlfriend wap approved, our house payment is 597 plus 200 for electric 86 for water, 120 for car insurance, they told us our car don’t count since finance in my dad name but pay 240 car payment we get 771 in food stamps what’s that will go down once she starts her check, like to know the back pay amount for 22 months

    • michael Garrison

      I get ssdi

    • Kay Derochie

      Dear Michael,

      Your income and assets should not be considered when determining your girlfriend’s Supplemental Security Income (SSI) payment because you are not married. If they are, she needs to appeal.

      However, if she is not paying her share of shelter expenses, which is $176.60 a month (mortgage including taxes and property insurance and shelter utilities divided by 5 people in the household), her SSI will be reduced by $156.60. If she is not contributing now the reduction will be applied to back pay and current month pay until she starts using her SSI to pay her share.

      Sincerely,
      Kay

      • Our goal is to use her check to pay most of the bills with her check through one bank and house payment through my bank, that way it will show on her bank statement that she paid those bills, we had won our case just found out since they sending her only 14.10 cent month till they pay all her back payment of 6800 dollars than they will up her payments to 733 month. They said she had income of one time special payment of 2206.60 of income but they also said they did not count 1101 of your spouses benefits as ineligible income of child. But we waiting on my ssdi get approved again before they add kids on mine

        • Kay Derochie

          Dear Michael,

          The information you received as you relate it is a bit scrambled and doesn’t line up with Supplemental Security Income (SSI) law. Your income and assets should not be counted at all.

          Regarding income received from living arrangements, as I wrote previously, your girlfriend has to pay her share of the shelter expenses as listed. If the shelter expenses she is paying off her account do not equal or exceed her share, she needs to write you a check for the difference tp receive the unreduced SSI benefit.

          Sincerely,
          Kay

  • Lee

    Hi, if I start working as a pharmacy tech would my sons ssi payments be taken away? I’m not sure how much I’ll be making yet, but my son gets $733 a month. What amount would take away ssi payments? Thank you!

    • Lee

      Also I pay $250 of rent and have a car payment of $375 and insurance of $174

    • Kay Derochie

      Dear Lee,

      I need more information to respond. Does your son have another parent or stepparent in the household? Any minor siblings or stepsiblings? Do the parents pay child support for a child outside the household? If so, how much?

      Thank you,
      Kay

      • Lee

        No, it’s just me (his mom) and he is an only child. His father does not pay child support.

        • Kay Derochie

          Dear Lee,

          Earnings of above about $1,590 would reduce your son’s Supplemental Security Income (SSI); however, by one dollar for every two dollars over the excluded amount, not dollar for dollar. For example, if your gross pay was $1,990, $400 above the fully excluded amount, your son’s SSI would go down by $200.

          Sincerely,
          Kay

          • Nykendria hunt

            Hi I’m not sure where to post my question but my son was approved for his ssi i have 4 children it’s 5 of us in my household and my monthly income is 3800 how much do you think my son will get a month I pay full amount rent and have other bills

            • Kay Derochie

              Dear Nykendria,

              I estimate that your child will be eligible for about 4169 a month and, in most states, Medicaid.

              Sincerely,
              Kay

  • SingleMotherof4

    Greetings! I am interested in knowing the amount of SSI my child will be getting. It is 5 people in the household, myself and four children between the ages of 12 and 2. I applied for my 2 year old in August 2016. My income is 13.13 an hour, and for a 4 week month I bring home $2100.80 gross and $2626.00 gross for a 5 week month. I have a court order for child support($578.00) but my children have not received anything since September 2015 but they still recorded it during initial interview. I pay rent, utilities, insurance, and all on my own. What would the round about amount of his benefit be?

    • Kay Derochie

      Dear SingleMother,

      As long as child support is not actually being paid, I estimate your disabled child, if medically approved, will be eligible for $733. This assumes that the wages you list are gross (before taxes), not “take-home,” which is after taxes. if the child support is paid and it is for all four children, your disabled child’s SSI wold be about $657.

      Sincerely,
      Kay

      • SingleMotherof4

        Yes it is the gross amount, I bring home roughly 740 biweekly. The child support is for all 4, their father hasn’t worked in over a year and doesnt look like he is going to try. We are going through the courts now. Hopefully something shakes with that as well. Do you know how long after DDS examines someone before you get a status of approved or denied.

        • Kay Derochie

          Dear Singlemother,

          The time frame varies greatly; it can be a few weeks or a couple months or more.

          Sincerely,
          Kay

  • Liz

    I have been disabled for 3 years . I am considering SSI .
    My husband gets $1012.00 Monthly SSD payment . We have no children .
    We pay $750.00 for rent no including utilities .
    I am trying to find out if I am income eligible or is it a waste of time.
    Thank You In Advance

    • Kay Derochie

      Dear Liz,

      Assuming that your family has countable assets within the Supplemental Security Income (SSI) limit, you could be financially eligible for SSI. If your husband’s $1,012 is the gross amount of his benefit before withholding for Medicare premiums or taxes, you and he, as a disabled couple, would be eligible for about $108, $54 each, and in most states Medicaid. Typically Medicaid will pay the Medicare premium.

      Sincerely,
      Kay

      Sincerely,
      Kay

  • BlueBird55

    Hello. I have a question that relates to a married couple where one receives SSDI and the other receives SSI. They receive the maximum (2016) of $1100 a month for a couple and have no children. The SSDI payment is $967 monthly. Now, the SSDI recipient wants to try to go back to work part time with a trial work period but remain under the $810 gross (2016) to be counted as a “service month” in the program and has gotten a part time job making $800 a month gross. How will this affect the spouse’s small SSI payment, will they even still qualify for SSI benefits? I have tried to find the answer with all the available information online and calculation examples but I haven’t found a situation unique like this to tell me what income is really counted or deemed. I tried to calculate it several ways and confused on what is the real way. Thanks for any help or answers you can give me.

    • Kay Derochie

      Dear BlueBird,

      The first $65 of the work earnings and half of the excess will be excluded. This means that of the $800, $367.50 will be countable income. All but $20 of the $967 of the Social Security ($947) is also countable income. The two amounts together ($367.50 and $947.00) equal $1,314.50, which is too much income for either of the couple to receive any SSI; however, the family will have a total of $1,767 income ($967 SSD + $800 work).

      Sincerely,
      Kay

  • Laura Philipps

    Hi, I’m helping a family where there are 2 parents and two adult disabled children living in the home. Both children receive SSI. One parent works. The other parent has become disabled and wants to apply for disability. She is not eligible for SSDI because she does not have work history. Will the adult children’s SSI be counted as income to the household for purposes of her SSI application? Thank you, Laura

    • Kay Derochie

      Dear Laura,

      Children’s SSI income does not count as income to the parent.

      Sincerely,
      Kay

  • April Whitehead

    Hello. My husband receives $733 per month that SSI. I just started working and will make approx. $1000 per month, however I pay $350 per month that in child support for a child that does not live with me. We don’t have any other countable income and pay $450 a month in rent. Will his $733 payment be reduced? Do I make enough to affect his check amount?

    • Kay Derochie

      Dear April,

      If your $1,000 wages are gross wages before taxes, your husband’s Supplemental Security Income (SSI) will not be reduced due to your earnings.

      Sincerely,
      Kay

      • Polina

        Dear Kay,
        Please, help me to calculate how much I can earn (if any )in a month,if I will work part time on disability? I recive 488.00, my children 747.00 and child support 125.00.
        Sincerely, Polina

        • Kay Derochie

          Dear Polina,

          The first $65 gross earnings will not affect your benefits. For every two dollars you earn over that amount, your SSI will be reduced by one dollar. As an aside, I noticed that you are getting $488, which would indicate that you are getting free food from some source other than SNAP benefits and/or that you are getting free shelter. If you are now paying rent or your share of shelter expenses in shared housing, you can report the change to Social Security, which may result in an increase in your benefits.

          Sincerely,
          Kay

    • Christina Franklin

      I’m not sure where to post my question so I hope this is ok. I work and make $2770 gross monthly income. The only asset I have is one car that I brought for about 10,000. It is my only car. Will my son still be eligible for SSI? And if so approximately how much? Thanks in advance.

      • Kay Derochie

        Dear Christina,

        I estimate that your child would be eligible for about $169 per month and in most states Medicaid.

        Sincerely,
        Kay

  • Suzie

    Hi, I just got a phone call from SSI my 6y old daughter was approved. I was wondering about how much she might get a month. My Husband is the only one that that works his gross income a month is $1,200, he does not work all year because of the type of work. He pays child support of $389 a month for his other child that does not live with us. We have 2 cars with no payments. We don’t pay rent we recieve food stamps. We have no other type of income or money. Could you give me an idea on about how much she would get.

    • Kay Derochie

      Dear Suzie,

      The first financial test your family has to meet is whether your family’s assets are within the SSI resource limit. You and your husband can have $3,000 in countable assets and your disabled child can have $2,000. The more valuable vehicle will be excluded; the value of the second vehicle will count toward your $3,000 limit. If your and your husband’s assets exceed $3,000, the excess will count toward your child’s $2,000 limit.

      If the family meets the resource requirements, then the family income will determine your child’s benefit amount. Your husband’s income is not high enough to cause a reduction in benefits. However, if you are getting free shelter, one-third of the value of the shelter will count as your child’s in-kind (non-cash) income up to a maximum of $264.33 a month reduced by the $20 general exclusion. That could reduce the benefit to $488.67.

      Sincerely,
      Kay

  • I have been fighting for ssi for 2 yrs. My husband works. His gross monthly is around $1650 (net is right approx. $1400). My daughter from a previous marriage receives survivor benefits in the amount of $220 a month and we receive $211 a month food stamps. Will I still be eligible for SSI? And what about the back pay for 25 months?

    • Kay Derochie

      Dear Melissa,

      If you are approved, I estimate that your benefit will be about $387 a month. The earliest Supplemental Security Income (SSI) benefits begin to accrue is the month following the month of the approved application, unless you applied on the first in which case benefits would begin with the month of application, assuming that you were found to have been disabled at or before the application.

      Sincerely,
      Kay

  • brittany capps

    I have a question. My son was in a bad accident and we have applied for ssi for him since he has brain damage and is permanently disabled but they asked for my boyfriends income will that affect our sons ssi benefits? My boyfriend makes about 80,000 a year so my son will probably not get any benefits is this correct? I have no income

    • Kay Derochie

      Dear Brittany,

      Your boyfriend’s income is not relevant to your son’s Supplemental Security Income (SSI) claim unless he is your son’s father. (If Social Security counts your boyfriend’s income and assets, you should appeal the decision.) However, if you are not paying your and your son’s share of shelter and food expenses, your son is receiving in-kind (non-cash) support and maintenance from your boyfriend. The maximum that is charged for this is $264.33 per month. Your son’s share is the total expenses divided by the number of people in the household. Shelter expenses are shelter utilities (power, heat, water/sewer, and garbage) and rent or mortgage, property tax and, if required by the lender, property insurance.

      Sincerely,
      Kay

  • Carrie taylor

    I’m trying to leave a new question not a reply, so I’m not sure if I am doing this right. My apologies. My son recently got married and receives ssdi, snap and section 8. His new spouse owns a house though that is already paid for, she earns over $50000 and has two kids. Will he still receive benefits?

    • Kay Derochie

      Dear Carrie,

      Your son will continue to be eligible for Social Security Disability (SSDI). It is likely that he will not be eligible for SNAP or Section 8 housing.

      Sincerely,
      Kay

      • Carrie taylor

        Thanks. I wasn’t sure because according to the social security ssi book it says if u r married ur spouses income is used to decide if or how much you are eligible for , buthe I hadn’t found a calculator to figure out how.

        • Carrie taylor

          Update. I only ask because I noticed below that when other people asked the response was that their ssi would be reduced because of assers (they own their house out right) and or the spouse has good income, in this case $50,000. There are also two kids in the house.

          • Kay Derochie

            Dear Carrie,

            Both income and assets are considered in determining Supplemental Security Income (SSI). If a person has assets within the limits ($3,000 for a married couple), benefits are potentially payable. (A house that the SSI applicant lives in is excluded from counting as a resource.) Next income is evaluated to determine whether the applicant is within the SSI income limits and, if so, based on income, the amount of SSI payable.

            Sincerely,
            Kay

        • Kay Derochie

          Dear Carrie,

          The article under which you posted your current comment has an example calculation. You can use that formula to see the estimate was calculated.

          Sincerely,
          Kay

      • Carrie taylor

        Thanks..With a spouse income of $50,000 approximately how much do you think he would get? There are also two kids. Thank you so much.

        • Carrie taylor

          Oh sorry. I thought my first post didn’t go through. Feeling stupid right now lol

          • Kay Derochie

            Not a problem, Carrie.

        • Kay Derochie

          Dear Carrie,

          Income of $50,000 is too high for Supplemental Security Income (SSI) eligibility even with two children in the household.

          Sincerely,
          Kay

  • Jocelyn

    Hello I make 3075 gross per month I rent a room for 500 a month I pay a power bill that’s almost 200 every month we spend about 250 a month in food and I also pay childcare which is 200 a month. We reside in Washington DC. How much will my child receive monthly if anything at all. He has no income.

    Jocelyn

    • Kay Derochie

      Dear Jocelyn,

      If you do not have other children besides your disabled child, your earnings are too high for your child to receive benefits. The limit for $1 a month is $3,056.

      Sincerely,
      Kay

  • I just started working and my husband receive SSI and so does my son both receive $733 my gross income will be 1,900 month will they still be eligible and how can I figure payment

    • Kay Derochie

      Dear Pamela,

      I estimate that your husband will be eligible for about $200 and your child for $733.

      Sincerely,
      Kay

  • Latasha

    My comment must have disappeared…..

    • Kay Derochie

      Dear Latasha,

      I do not see a question from you. Could you please re-post.

      Thank you,
      Kay

    • I MARRIED AND MY HUSBAND MAKES ABOUT 2440.80 A MONTH WILL THAT STOP ME FROM GETTING SSI

      • Kay Derochie

        Dear Angie,

        I need a bit more information to respond:
        1) Is the $2440.80 gross wages? If not how much is the gross?
        2) Do you have minor children in the household? If so, do they have income?
        3) Does your husband pay child support?
        4) What state do you live in?

        Sincerely,
        Kay

  • Renee

    Hello, My son recieves SSI and has been back in my home since July 29th. Up until last month Social Services was recieving his SSi checks. I have an appointment Oct. 3 for interview to become his payee. I live with my boyfriend, our son, my daughter and my son who recieves ssi. My boyfriend is the only one working making about 1600 a month I am required to stay with my son 24 hrs a day. The other two children are not eligible for SSI and we are responsible for paying our rent, lights, and some on food because we recieve Snap benifits. Will any of this affect the ssi negatively and what about the months of August and September that he was in my home? Do you know about what is ssi would be?

    • Kay Derochie

      Dear Renee,

      The maximum federal SSI benefit is $733. His payment amount will be reevaluated back to August. Your boyfriend’s income and assets will not affect your child’s SSI benefits; but if your disabled son has not been paying his share of shelter and food costs, his benefits will be reduced from the maximum because he will have been getting support in the form of shelter and/or food from your boyfriend. His share is the total expenses divided by the number of people in the household. Shelter expenses are shelter utilities (power, heat, water/sewer, and garbage) and rent or mortgage, property tax and, if required by the lender, property insurance.

      Sincerely,
      Kay

  • tudy

    hello my son just got a favorable decision on a appeal for ssi and I work gross 2570. monthly renting a room from my mom for 850. food 250. child care 450. do my son still qualify for income we live in california

    • Kay Derochie

      Dear Tudy,

      I estimate that your child will be eligible for about $233 in federal SSI benefits.

      Sincerely,
      Kay

  • Hello. I’m glad to have found this site. My son receives $733 a month in ssi. It is a household of 3, my son who receives benefits, myself and 3 year old son. I am confused how earned income will affect his benefit payment amount? I had an interview for a job, just not officially hired yet. If so, pay is only $ 8 an hr, m-f , 8 until 5 pm. I’m figuring $800 and some change a month. Would that lower his benefit a chunk??

    • Kay Derochie

      Dear Rose,

      Earnings of $8 an hour, forty hours a week, would be $1,600 for months with five paychecks. (Months with four paychecks would be $1,280. If your three-year-old does not have any income, your earnings will not reduce your child’s SSI benefits. You do need to report your work earnings and give an estimate once you are hired.

      Sincerely,
      Kay

  • Sherry R.

    My first husband who I was married to for eight years and we were divorced is now deceased my second husband who has passed had no income I live off SSI am I eligible to receive anything off of my ex-husbands pension I am currently 60 years old I just want to know if I’m eligible to receive anything off of my ex-husband

    • Kay Derochie

      Dear Sherry,

      You are not eligible for widows benefits on your ex-husband’s earnings record because you were married to him less than ten years.

      Sincerely,
      Kay

  • Tiffany

    Hello my children both receive SSI in the amount of 733. I receive 525 in ssdi. My daughters father works and he makes about 269 a week on his job. My son father is not in picture and does not provide child support. We are coming up for review soon so with him working does it change things, because I keep seeing a deeming chart. It says my income won’t count because it’s unearned income but when I talk to ssa they say it does. Am I to start looking for a reduction or denial of benefits. I guess I just need a head or tails so I can start planning if need to.

    • Tiffany

      Also we finance a car because the one we owned was flooded out. That was scraped.

      • Kay Derochie

        Dear Tiffany,

        Your vehicle should not affect the children’s eligibility.

        Sincerely,
        Kay

    • Kay Derochie

      Dear Tiffany,

      The deeming charts are typically for all earned income or all unearned income, not a combination. Your SSDI is considered in determining your children’s Supplemental Security Income (SSI) payments; however, your SSDI is low enough that it has not been affecting the children’s SSI. Now that there is earned income involved, your SSDI and the countable portion of your daughters’ father’s earnings will be used to determine whether any parental income is deemable to your daughters. If the $269 weekly income is gross earnings, the children’s benefits will not be reduced in months with four pay checks. In months with five pay checks, there will be a small reduction. (Be prepared to present all the pay stubs back to when the girls’ father began to work.)

      Sincerely,
      Kay

  • Jeania

    First I’d like to say thank you, in advance. I currently receive $225 in disability, and 500ish in supplemental. My fiance may have an opportunity to be employed, however his income will greatly be garnished for back taxes. If he’s only bringing home $160 net; but is making approx 1000 gross; will disability look towards the gross or net? I don’t know if it helps, but I also have two young children. Thank you, very much.

    • Kay Derochie

      Dear Jeania,

      Because you are not married to your fiance, his income will not affect your Supplemental Security Income (SSI) payment. If you are receiving Childhood Disability Benefits or widow’s or divorced spouse’s Social Security benefits, marriage (not your spouse’s income) could affect eligibility.

      Sincerely,
      Kay

  • My 13 year old Autistic son was just approved for SSI. My husband and I have been seperated for 2 years. I have 4 other children 20,7,2 and 1. My 5 children and I currently live with my mother. I don’t pay my mother anything because I have no income, I have no assets and I’m not receiving any child support. He was approved for 488. We live in South Carolina. Does that amount sound right?

    • Kay Derochie

      Dear Kenya,

      Your son’s Supplemental Security Income (SSI) payment may be correct. His benefit has been calculated to take into account that he is getting free shelter from his grandmother, which has a presumed value of $264.67. If his share of shelter expenses (and food expenses if his grandmother provides his food) is less than $264.67, you can rebut the calculation by filing an appeal.

      Your son’s share is the total expenses divided by the number of people in the household. Shelter expenses are shelter utilities (power, heat, water/sewer, and garbage) and rent or mortgage, property taxes and, if required by the lender, property insurance. If you file an appeal, submit proof of these expenses and a statement from your mother confirming the number of people in the household and that she is not providing your family food. (If your mother has been providing you son’s food, her statement will need to give the monthly food expense for everyone.)

      With regard to future benefits, as soon as your child has SSI income to pay his share, you can report that and two months later his SSI will go up to $733.

      Sincerely,
      Kay

      • Kenya

        Thank you very much for your help!

        • Kay Derochie

          You are welcome, Kenya.

  • Gale G

    My fiancé makes 2600 a month and I have two children from a previous relationship and we have one together he also has a son from his first marriage. We are planning on getting married soon what will be the out come of my ssi?

    • Kay Derochie

      Dear Gale,

      Please provide additional information so I can respond. Is the $2,600 gross before taxes? Are all the children living with you? If not, is your husband paying child support? How much? Do any of the children in your home have income?

      Sincerely,
      Kay

  • mary

    I have a son with ADHD. I need to apply for ssi assistance. I live with his father who is on work disability for a few months, and I have a young daughter. I’m the only one who is working now, my monthly income is 1,837 per month.. less after taxes. i’m leases a car valued 18,000. do you think i’ll be able to receive any benefits if so, what amount? and what the income max income requirements?

    • Kay Derochie

      Dear Mary,

      I need more information to answer your question. Is the father of your child receiving any kind of disability benefits, sick pay, workers comp? If so, how much per month. Does the child’s father have any assets?

      Sincerely,
      Kay

  • Tammy

    Did my question disappear?

    • Kay Derochie

      Dear Tammy,

      Your question and answered posted earlier today. Scroll up to find the them.

      Sincerely,
      Kay

  • stephanie L

    My husband’s income fluctuates from $1380- $1570. bi weekly. net pay.
    gross is $5,216 if he gets the higher check. ($1570).
    he pays cs $904 a month.
    I receive $276 total child support for my children a month
    and clean a house twice a month for $160 a month.
    we bring home $3,386 a month total.
    I’m applying for my daughter disability. I would like to know if she qualifies to receive help? we have 5 living in house. 2 parents and 2 non disabled and 1 disabled.

    • Kay Derochie

      Dear Stephanie,

      I can respond when you tell me for whom the child support is paid. Is it for all three children? If not, please specify.

      Sincerely,
      Kay

  • Heather

    My son was approved for SSI for being Autistic.
    Texas
    733 is the max.
    340 a month in Child Support (2/3 =224.40)
    We receive 480 a month in Foodstamps (for a family of 4) so approximately 120 a person – does that even count?
    My income is zero after their deductions.

    What should he be getting each month?

    I think it’s wrong but they wont explain it.

    • Kay Derochie

      Dear Heather,

      Food stamps don’t affect payment amount. The one-third deduction applies only to child support paid for the disabled child. If there are ineligible children in the household who receive child support, their full support is used to reduce the ineligible child allocation from the maximum $367.

      If the deductions you reference refer to the calculation of how much of your income is deemed to your disabled child and all the child support is your disabled son’s, his federal SSI benefit amount should be $527. If I am interpreting the situation incorrectly, then re-post with more information about who the child support is paid for.

      Sincerely,
      Kay

  • Esme

    What is the limit gross wages for one working parent and two children in the household? I’m a single mother and one of my two sons is disabled.

    • Kay Derochie

      Dear Esme,

      For your disabled child to receive at least $1 in benefits (and Medicaid in most states), your gross wages must fall below $3,424. This assumes that the children have no income.

      Sincerely,
      Kay

      • joe mole

        Hi i am on ssi and i have a daughter who just turned 18. Before she was 18 ss would not count $367 per month of my wifes income as a living allowance for ineligible children. Now that my daughter turned 18 they dont subtract that anymore. My question is my daughter is in college now does that make a difference? thanks

        • Kay Derochie

          Dear Joe,

          What makes the difference is that your daughter no longer a minor, so your income does not affect her SSI payment calculation. If she is living with you and not paying fair market value (FMV) rent or her share of food and shelter costs, her SSI will be reduced by $244.67 because she is receiving in-kind (non-cash) income from you in the form of free housing. If she starts paying either FMV or her share of shelter and food costs, her SSI can be increased.

          Fair Market Value for room is the amount such rooms are renting for in your geographic area. Social Security law does not specify an amount required to be paying fair market value for room because the economy is different in every location. You can figure out a fair market rental rate by looking at ads for room rentals in your area or by choosing state and county on the federal HUD website at https://www.huduser.gov/portal/datasets/fmr/fmr_il_history/select_Geography.odn. It will not list rooms, but it will list studio or efficiency (one-room) apartments. A room in a house would probably be about half of that amount. FMV for food is equal to the maximum food stamp grant for one person, which is currently about $192.

          Her share is the total expenses divided by the number of people in the household. Shelter expenses are shelter utilities (power, heat, water/sewer, and garbage) and rent or mortgage, property tax and, if required by the lender, property insurance.

          If your daughter doesn’t have enough monthly income to do pay FMV or her share, she could save up her SSI until she has enough saved to cover her share or FMV for two months. If she does this, she should save in a bank account to prove she had the money available. Her5 SSI would increase two months after she starts to pay her share or FMV.

          Sincerely,
          Kay

      • Esme

        IF I make $3,166.00 gross income a month. How much would I receive in benefits. I pay 600 rent, have only one car, payment is 450.00 plus insurance (100.00) a month. No other assets.

        • Kay Derochie

          Dear Esme,

          I estimate your child would be eligible for about $119 and in most states Medicaid.

          Sincerely,
          Kay

  • scorpiorose

    I just had my SSI hearing and was approved. My husbands income is the only income as I do not work. He grosses about 2100 a month, he pays 720 in child support taken directly from his check( I’m not sure if child support paid is counted or not). We have 2 children living in our home. What would my SSI payment be?

    • Kay Derochie

      Dear Scorpiorose,

      I estimate that your Supplemental Security Income (SSI) will be approximately $463.

      Sincerely,
      Kay

      • Tammy

        I want to cry. I have been out of work because of my sons disabilities and the only income I have had is his child support. I have one vehicle I am paying $17,000 for that is worth 2000 because I desperately needed something to get back and forth to appointments. My two brothers both have different issues where their vehicles could not be in their name temporarily. The total value for those vehicles in good condition which they are not is $5000. The one brother will have the money to get his out of my name tomorrow and my phone interview is Wednesday. The other one is in eligible to get a license plate until November. Is it likely that my son will now be denied? I am in so much debt and I feel so hopeless. I don’t know what to do or what this means.

        • Kay Derochie

          Dear Tammy,

          First, if your brothers owe any money on the vehicles, it is the equity value (market value less amount owed) that is countable. Considering equity value, if good condition is still puts you over the resource limit, look up the vehicles online in Kelly Blue Book or another source where you can input the condition of the cars. This might give a more realistic evaluation. If so, you can print out the evaluation and take it to Social Security together with why the vehicle is in fair or poor condition.

          Note that the resource limit is $2,000 for you and $2,000 for your disabled child. Any amount that you have in excess of $2,000 counts toward your child’s $2,000 limit. This means that if your child has not assets, you can have $4,000.

          Sincerely,
          Kay

  • Heather

    Hello, My husband just got medically approved for SSI. We have an upcoming meeting to see if we are financially eligible. I am the only one who has any income which is $1,150.00 gross and about 900.00 after taxes. We have no children and no assests (one car that is finananced.) Do you think he will still be eligible to receive some sort of income and if so about how much do you think? Thank you so much for your time!

    • Kay Derochie

      Dear Heather,

      I estimate that your husband will be eligible for about $211.

      Sincerely,
      Kay

  • Beth

    I applied for benefits for my daughter who has been disabled since birth. I also have 2 other minor children, who are not disabled. My husband’s gross income is about $3,800 per month. I do not work. Our second vehicle has a value of $3,000.00. Would my disabled daughter qualify for SSI and if so, about how much would she qualify for each month?

    • Kay Derochie

      Dear Beth,

      If you do not have other resources that together with your second vehicle exceed $5,000 and your child has no resources including money in bank accounts that is carried over from one month to another, your child will be within the resource limit of $2,000. I estimate that with parental earned income of $3,800 and two other children who do not have income, your child would be eligible for about $350.

      Sincerely,
      Kay

  • Curious

    I got my lump sum, its around 2,199. I also got my first months pay of max. I spent what little i had left in my bank account. Im wondering if backpay is counted against receiving ssi, im anxious as heck that ill mess up and screw myself on getting payments. My anxiety is usually so bad i couldnt work even if i wanted if that were the case.

    • Kay Derochie

      Dear Curious,

      Supplemental Security Income (SSI) and Social Security back pay counts toward the SSi resource limit on the first of the ninth month after you receive it.

      Sincerely,
      Kay

  • Brian

    I just filled for SSI iam 48 and i have no other income at all nor do i have any assets. My wife is 40 and she makes $10.63 per hour we have no kids, no other income, not any assets other than one car. Can you please tell me what my payment will be once i get approved. I already have an attorney working on it. I don’t qualify for social security disability benefits due to working all my life under the table like an idiot, but i didn’t know any better i was told the less you give them the better of you will be. Well, i have educated myself some now and wish i had of paid in to then but any way can you figure my SSI payments we both live in a home and my wife’s money goes for rent food and other bills approx $500 rent $275 in other bills. Thank you and all of our children are grown and out of the house

    • Kay Derochie

      Dear Brian,

      Thank you for posting your experience and your comments about the value of working above board and paying taxes. With your wife’s earnings and no children in the household, your Supplemental Security Income (SSI) benefit will be about $220 if you are found to be disabled.

      Sincerely,
      Kay

      • Brian

        Thank you Kay for answering so quickly. Is there any thing that i can do to get my payment yuo more close to the maximum amount. I don’t know how this works, but I’m not able to work any more and i need ask the money i can get. Any help would greatly be appreciated, thanks in advance.

        • Kay Derochie

          Dear Brian,

          Part of your wife’s earnings are deemed (considered) to be available for your support and there is a set formula for determining the amount, so there is no way to increase the SSI. Your family my qualify for SNAP (food stamps), which could help out. Also, with SSI eligibility, in most states you will be eligible for Medicaid with no deductibles and little or low co-pays.

          Sincerely,
          Kay

          • Brian

            Thank you very much Kay, you’ve been a great help.

            • Kay Derochie

              You are welcome, Brian.

  • Noelle X

    My son was just approved for benefits. We got a call from SSI today. I have to submit documents Monday to determine income and such. I have looked into the process but can not seem to calculate how much he would be eligible for going forward. I am single parent and rent a home. I have four children one which is the child that will receive benefits. My gross monthly income is 2730 when divided by 12 months or 2520 on a normal 4 week month. I also receive 548 per month in child support along with 550 per month that my boyfriend gives me to help pay rent. Would my son even be eligible to receive money each month?

    • Kay Derochie

      Dear Noelle,

      Please provide a bit more information so that I can respond. Please itemize for which children the child support is being paid. Does your boyfriend live with you? If so, how much are the rent and shelter utilities (power, heat, water/sewer, and garbage)?

      Thank you,
      Kay

      • Noelle X

        Hello
        Thanks for the response. The child support is for the child receiving benefits and his younger brother. My boyfriend does not live in the home. Rent is 1130 gas is 50 lights are 150 water is 25 and trash is 5 per month.

        • Kay Derochie

          Dear Noelle,

          Your child’s financial eligibility is close to the border between eligibility and ineligibly; I cannot determine which because I don’t know whether Social Security will treat the money your boyfriend gives you as all your income or will divide it among the five in the household because it is being used for rent. (If he is paying the $550 directly to the landlord, it will be split among you at $110 each.

          SSI benefits are calculated monthly and your work income will be counted as the exact amount paid in each month, not an average; however, using your average and all the $550 being counted as your income, I calculate that your child’s countable income as $905 making him ineligible for SSI ($274 child support, plus $631 deemed income.) If the $550 is split among the five people in the house, I calculate a benefit of about $30. Of course, these are just estimate; your pay stubs will be used to do an exact calculation and a determination will be made on how the $550 is treated, though it is likely to be treated as your income because if the money is given to you.

          Sincerely,
          Kay

          • Noelle X

            Thanks so much! He has and will only be temporarily helping me. Could you estimate what the benefit would be without the help for rent.

            • Kay Derochie

              Dear Noelle,

              With no assistance from your boyfriend and $2,520 gross earnings, I estimate a benefit of about $400.

              Sincerely,
              Kay

  • Unknown Girl

    My son was diagnose with Autisim Spectrum disorder. What are the chances of him bein approved being age 2? I recieve 758 in social security and works which I only bring home 600 a month. I recieve childsupport for my two and not my last one . Yhe middle one which I applied for a disability claim . The childsupport is 376.0 for my first two and I do not recieve nothing for my last son. How much will I be able to get if my son is approved

    • Kay Derochie

      Dear Unknown Girl,

      I estimate that if medically approved your child will be eligible for about $450, if I understand correctly that he is the middle child and that half of the child support is for him.

      Sincerely,
      Kay

  • Woodford Roark

    Hello, my wife and I have 3 children. My step-daughter already receives SSI of $512/monthly. Our 2 younger daughters are ineligible. How much between my wife and I gross monthly without affecting her SSI(step-daughters)? Thank you

    • Kay Derochie

      Dear Woodford,

      If your daughter has no income of her own, you and your wife can gross about $3,050 a month without causing a reduction from the maximum $733 payable. If your daughter’s SSI is now being reduced due to her own income, then your earnings would start to reduce her SSI from the $512 she is now getting when your earnings reach about $2,600.

      Sincerely,
      Kay

      • Woodford Roark

        Thank you

        • Kay Derochie

          You are welcome, Woodford.

  • Yaneli

    My child just got approved for Ssi getting 389.67 a month how much do I need to say she paying in rent and bills so she can receive the full 733 rent is 800 bills are about 300 me her her baby bother her step dad and who writes the letter when do I take it in to my office she just got approved August 8 will get her back pay in August 29 we have no income at all just my boyfriend he is the one who’s paying rent and bills for all of us currently no child support

    • Kay Derochie

      Dear Yaneli,

      There are four people in the household so your disabled child’s share of shelter expenses and, if you all share food, of food expenses is one fourth of the total. Shelter expenses are rent and shelter utilities (power, heat, water/sewer, and garbage) not included in the rent. Your daughter’s benefit will increase two months after she starts paying her share; however, it may not go up to $733 because there is some other income reducing her benefit besides free housing and/or food. If it were only that, her benefit would be $488.67.

      Sincerely,
      Kay

      • Yaneli

        How do I know what income they are counting when we have none only person who works is my boyfriend and he was giving 100 in child support but is not now because we don’t receive cash assistance to pay our share of the rent so he is paying the the whole rent and bills can it be that even though we live together and he’s father to my son but not daughter I don’t understand how Ssi works why she wouldn’t get the full amount they really they didn’t care for my boyfriend information only mines and my daughter when I went in for the financial review what can I do to figure out why she getting 388 a month

        • Yaneli

          So now I know they counted free shelter and cash I was receiving in public asistence that’s how they came up with the 388 so I was told

          • Kay Derochie

            Dear Yaneli,

            Please see my reply to the last comment/question you posted. The public assistance you refer to is considered to be child support paid through the state, then it would count as your daughter’s income. However, true public assistance from the state or county should not count as income that would affect your daughter’s payment.

            Sincerely,
            Kay

            Sincerely,
            Kay

        • Kay Derochie

          Dear Yanelli,

          Your boyfriend’s income is not being counted. However, your daughter is getting free housing from your boyfriend, which is being counted as in-kind (non-cash) income worth $266.34. If her share (one-quarter) of the rent and of shelter utilities not included in the rent, such as power, heat, water/sewer, and garbage, is $266.34 or more, her SSI will be reduced by $244.34. If her share is less than $264.34 and he is not providing her food, then you can submit all the bills and appeal the amount of the reduction in past months. Otherwise, once that your daughter has income, if she starts paying her share or her payment to your boyfriend reduces the shelter subsidy from him to less than $266.34, you can report that and get an increase.

          Sincerely,
          Kay

      • Can

        I wanted to appeal because they lowered my moms benefits and say we are living in someone else’s house. However, we rent out a shared home that is owned by my relatives. The rent they charge us is much cheaper than normal market value and we do not have a lease or rental agreement. How do I have SSI proof of rent and do they not allow us to rent from family at a much cheaper price? And will they ask for everyone’s income statements?

        • Kay Derochie

          Dear Can,

          You are free to live wherever you choose. Then your living arrangements are reviewed to determine whether you are receiving in-kind support and maintenance from some source inside or outside the household. The in-kind (non-cash) income that is being charged to the SSI recipient in your house is coming from the fact that you are not paying fair market value for the rental. The amount of income the SSI recipient is receiving is the difference between what is being paid for rent and the fair market value divided by the number of people in your household. For example, if the FMV is $1,000 and $400 rent is being paid, the in-kind income to the household is $600. If four people lived in the household, each would be receiving $150 in the form of subsidized housing. If the amount per person is more than $264.34, only $264.34 will be counted and that will be reduced by the $20 general exclusion. If you do not present proof of the amount of the FMV and the rent you pay, then the full reduction is charged. So, your mother can get a statement from your relatives as to how much rent your mother pays (and her husband pays if he lives with her) for rent, the amount of the FMV (the amount they would charge non-relatives), how many live in the household, and when your mother (and her husband,if applicable) started paying the rent. If her share of the subsidy, it is less than $264.34, your mother will get an increase.

          Sincerely,
          Kay

          • Can

            Our rent is $1200 and 3 of us pay. My moms pays about $600 a month. So she does pay her fair share. My aunt charged the same fee to the previous renters. So all I need is a statement stating what I told you? As said before, we do not have a lease. Is that enough proof? Because I feel like a letter from my relatives is not enough for SSI to reanalyze the amount my mom gets.

            • Kay Derochie

              Dear Can,

              Because there is not written rental agreement, your mother doesn’t have one to present. Take a letter from your aunt saying that the rent is $1,200 and she is charging the same as she charged the previous renters. If your mother is asked for a rental agreement, you aunt can confirm that the agreement is verbal. Take the shelter utility bills (power, heat, water/sewer, garbage) to prove the total cost of utilities. If your mother’s share of the rent and utilities is $600 or less, she is paying her share. If it is more, the difference between the cost and what she pays is in-kind income from those in the household, but it will likely be less than is being counted now and she will get a raise.

              Sincerely,
              Kay

      • Yaneli

        I just found out that my daughter is also getting ssp in the amount of 114 each month I don’t understand why or how it works but I would like her Ssi payments go up when she start paying her share of rent so she has extra for school supplies and educational things suck as programs what ever I can do or get her into to help we learning I will do she struggles a lot but I’m wondering if her Ssi will go higher then 388 if her share would only be about 300 a month which she has it to pay so why would they give we extra

        • Kay Derochie

          Dear Yanelli,

          Supplemental Security income (SSI) calculations start with the maximum amount, which is reduced if there is countable income. If your daughter pays her share, she will not be receiving income from you in the form of free or subsidized housing from you, so her SSI will go up.

          Sincerely,
          Kay

  • Pedro J.

    Hello, my daughter recieved ssi for years because of a disability but just a couple weeks ago they removed her from it because i make $50 over the limit. It is me (working 2 jobs grossing about 3900 a month) my fiance and our 2 children (one not eligible for ssi) what would our limit be and can we get ssi back, we are mainly concerened about hetting her medicaid back because her medicine is $450 a month. I worked a few extra hours one month that took is over the limit im assuming.

    • Kay Derochie

      Dear Pedro,

      If the children do not have income and you parents have only work earnings, the limit is parental gross wages of $4,158 when there are two parents and one non-disabled minor child in the household. If you went over the limit in only one month, benefits should resume as soon as you submit pay stubs for later months that show you are below the limit. When you submit the proof of wages, double check that your child’s record shows two parents and one ineligible child in the household.

      Sincerely,
      Kay

  • Jane Doe

    My third son was approved by the disability determination last week for disability payments. I am single and draw $1,466 ssi monthly on my oldest 2 boys who are also disabled. have an earned income of around $1,000 per month and pay $600 in rent and all of my utilities. No food stamps. No property and one car which I make payments on. My children’s father is court ordered to pay child support, but unfortunately he doesn’t pay anything. How much per month will my youngest son recieve? Is there a ssi income cap for each household? Will I be back payed from the date I filed?

    • Kay Derochie

      Dear Jane,

      Your third son will receive $733. There is no limit on the number of people in a family who can receive disability benefits. Benefits will begin the month after application unless you applied on the first of the month in which case they will begin with the month of application.

      Sincerely,
      Kay

  • Concerned Parent

    I am a single parent of a 20 year old disabled child who still attends school and currently receives ssi. We live in Massachusetts. I was offered a new job with the gross earnings to be approximately $1,600.00 per month. Would she still be eligible for ssi benefits if I have this income and what should her benefits amount be if I do have this income? Also, what is the maximum earned income I am allowed being a single parent? It is only myself and my 20yr old disabled child in the home. Thank you in advance.

    • Kay Derochie

      Dear Concerned Parent,

      Your daughter is an adult so your income does not affect her Supplemental Security Income benefit amount.

      Sincerely,
      Kay

  • Jen

    I was receiving cash asistence then clos wit when boyfriend move in that’s how I was paying my share of rent he was paying our son share from 800 rent 100 in cash c.s now he pays it all since I close my cash asistence we get 511 in food stamps he pays 400 for one child child support 500 for the other child outside our home I pay 62 child support outside our home my disable child does not get child support because her dad has our other daughter he cares for I care for my disable one so no child support coming or going there I’m sure I have you enough information

    • Kay Derochie

      Dear Jen,

      With the additional information about the child support, I estimate that if you marry, in months your husband is paid two paychecks, your daughter would be eligible for $733. In months that he receives three checks (once every six months), his earnings will cause her benefits to be reduced to about $247. If the child support being paid changes in amount or stops, you should report the change immediately to avoid potential overpayment.

      Sincerely,
      Kay

      • Me again

        I have a embarrassing question my boyfriend think that if we get married and sign a prenuptial agreement on both our ends that ssi won’t count his income toward my daughter/ his step daughter Ssi monthly income he makes me laugh he think he knows best please elaborate on this another question does the amount we pay in child support is what cuts down my daughter monthly Ssi income what I mean is that if we pay more in child support more comes out of my daughter ssi?? She doesn’t receive it we just pay child support for our other kids which is three living outside our home again I know I’ve over exceeded my questions on here

        • Kay Derochie

          Dear Me Again,

          A prenuptial agreement will not eliminate deeming of income from stepparent to a disabled child. Paying child support actually has the potential of increasing the amount of SSI from what it would be if not child support were not being paid. The reason is that non-disabled children needing support reduces the amount of the parental income that is deemed to the disabled child.

          Sincerely,
          Kay

          Sincerely,
          Kay

  • christy dilling

    I’m on SSI. 2 children. My bf has,6,000 in the bank plus ownes 2 houses which he rents out.
    If married would I.lose my ssi

    • Kay Derochie

      Dear Christy,

      If you married, the $6,000 would make your daughter ineligible if you married because the asset limit for a couple is $3,000, the rental houses might be excluded as income-producing property, but the rental income profit would count as your husband’s income in addition to any work earnings he has. Whether or not his income would cause you to lose your SSI if you were not over the resource limit would depend on how much his income is.

      Sincerely,
      Kay

  • Jen

    Also he is married to his ex wife but separated for years getting divorce we are wanting to get married but are not sure how that affects my daughter Ssi please help very confused we also receive food stamps no cash I’m sure if Ssi cares to ask about what we pay in child support each n if that will effect my daughter Ssi

  • Jen

    I will try ask my question again my daughter has gotten approved for Ssi we live with my boyfriend who is father to our son he is the only that works pays rent 800 bills roughly about 400 no cars no other assets no other income no child support received I do not work or have any other income or assets niether does the children in our home we both do pay child support mine sis court order his is voluntary his other two kids do not live with us niether does mine just my disable daughter and our son who is my disable he makes about 1460 before taxes 80 hrs every two weeks how will that affect my daughter Ssi payment how much will she get she will pay her share once she receives her money your up for a review of financial n home arrangement to see if you qualify for SSI still

    • Kay Derochie

      Dear Jen,

      I answered your first question about living with your ex-husband. Based on the details in both your posts, it appears the boyfriend you refer to here is your ex-husband. Without knowing how much child support each of you pays, I cannot estimate the impact of your marriage on your daughter’s SSI. Also, I would need to know whether your daughter receives child support.

      Sincerely,
      Kay

      • Jen

        I am not married I wrote that wrong. He is only married to his ex not to me at all he is just my boyfriend only step father to my daughter father to our son my daughter does not get child support I pay 62 child support he pays about 800 for two other kids of his from two other mothers his other kids do not live with us he pays cash again he is not my ex husband never married he is just my boyfriend but he is married legally to his ex

        • Jen

          We pay child support for our other children outside our home we don’t not receive child support payments I feel as if I’m not being understood we do not have no other income or assets niether does my disable daughter his step daughter also our son is not disabled and he has no income assets nothing I’m not sure if I’m explaining myself right frustrating

          • Kay Derochie

            Dear Jen,

            This is in response to your two comments posted on August 15 at 12:46 and 12:51. The correction you make about the relationship does not change the information I have shared with you. I do understand that you and your boyfriend pay child support for three children.

            Sincerely,
            Kay

  • Mandy

    I just moved in with my boyfriend. I receive SSI of $733. Will his income reduce my SSI?

    • Kay Derochie

      Dear Mandy,

      Your boyfriend’s income will not affect your SSI benefits; however, to continue to receive the maximum SSI benefit you must pay your share of shelter expenses and, if you share food, of food expenses. Your share is the total expenses divided by the number of people in the household. Shelter expenses are shelter utilities (power, heat, water/sewer, and garbage) and rent or mortgage, property tax and, if required by the lender, property insurance.

      When you report your move, take a statement from your boyfriend about whether you share food or you buy food separately and how much you contribute to shelter costs (and food if applicable). Also take utility bills and the rental agreement or proof of the property mortgage, taxes, and insurance.

      Sincerely,
      Kay

      Sincerely,
      Kay

  • Felicia

    Hi Kay!
    Our son was approved for SSI this week, now we’re onto the income part next week.
    We’re a household of 6 (my husband, I plus 4 children) 3 are ineligible 1 being the SSI recipient. One one income my husbands of gross $2948 per month. He pays $215 court ordered child support and I receive $245 court ordered child support. No other income. We have two vehicles one we owe on one we do not its 14 years old almost 200,000 miles, we pay $725 rent plus regular utilities.
    How much would my son be able to receive?

    • Kay Derochie

      Dear Felicia,

      Assuming that the $245 you receive in child support is for all four children in the household, I estimate that based on family income and minor children being supported, your disabled child will be eligible for about $210 and, in most states, Medicaid. However, your resources must also be within the SSI limits. You can review the formula in the example calculation in the article “What Are Deemed Income and Resources and How Do They Affect an SSI Application for Children?” under the SSI tab at the top of this webpage.

      The vehicle with the higher equity value (value reduced by amount owed, if any) will be excluded. The equity value of the other one will count toward your and your husband’s $3,000 resource limit. Bank accounts, other financial instruments, and, if accessible, 401k’s and IRA’s count toward the limit. If you parents have excess resources, the excess will count toward you disabled child’s $2,000 asset limit.

      Sincerely,
      Kay

      • shauna

        I receive ihss for both children starting this month. My son is on ssi my daughter’s eligibility is still being determined. Will either of the payments I receive for ihss impact their ssi payments

        • Kay Derochie

          Dear Shauna,

          Your In-Home Support Services (IHSS) payments are your income and usually the payments are wages. The first $65 of work earnings and half of the excess does not count. In addition, there is a $733 allowance for your own support and $367 for your daughter’s support until she is approved for SSI. Any excess will be deemed available for your son’s support and will reduce his benefits. Be sure to report your earnings to Social Security.

          Sincerely,
          Kay

  • Confused

    So I am on Sri and recieve733 per month. I am thinking about marrying my boyfriend. Neither of us have any children. He makes 1350 gross per month, will I lose any of my ssi?? Please help

    • Kay Derochie

      Dear Confused,

      Your boyfriend’s income is low enough that it will not affect your Supplemental Security Income (SSI) payment. If you marry, you and he can have $3,000 in countable assets. One vehicle and the home you live in do not count. Some countable assets are the equity value (value minus what is owed on it) of a second vehicle counts toward the limit as do bank accounts and, if you or he has access to them, retirement accounts.

      Sincerely,
      Kay

      • Jennifer

        Hi I’m Jen didn’t know how to post my own question my daughter got approved for Ssi we live with my ex father to my son because we have no where else to live he pays rent 800 bills 400 he has other children outside home he pays cash for child support he is also still married but separated from his ex I have no money or assets niether does my daughter our son has nothing he is not disable my ex has no car he is the only one that works pay this two bedroom apartment he is on my welfare assistance for food stamps because they consider us a couple because of our son we get 511 of food stamps no cash he makes 1460 before taxes will Ssi ask about his other children outside the home n how much he pays cash child support and will him still being married to his ex even tho me and him are no longer are a couple affect my daughter his ex step daughter monthly benefit and how much will she get I was receiving cash assistance before he got added on to our case just for me and my daughter that’s how I was paying our share of rent n now I don’t because I close my cash now he pays our share he works 80 hrs every two weeks

        • Kay Derochie

          Dear Jennifer,

          When you have the financial review interview, have a statement prepared and signed by you and your ex-husband that he is still married to his second (?) wife and he is not your daughter’s father. This is important because it will mean that his income and assets will not be considered in determining your daughter’s Supplemental Security Income (SSI) benefit.

          Include in the statement any month(s) since you applied for SSI for your daughter in which you had welfare income to pay your and your children’s share of the rent and utilities and the amount you paid. Then list the months that everyone’s food has been paid with food stamps and you and the children have not paid rent. If the total rent and shelter utilities (heat, power, water/sewer, garbage) are less than $1,065.36 a month, you can submit proof of rent and shelter utilities to prove that your daughter’s one-quarter share has been less than $266.34. Otherwise, the free shelter your daughter is receiving will count as in-kind (non-cash) income at a rate of $244.34 ($266.34 – 420 general exclusion) and it will reduce her SSI benefit. Once she starts getting SSI, you can use her back pay to pay her share of the shelter so that her SSI can be increased two months after she starts paying her share.

          Sincerely,
          Kay

          • Jen

            No I’m not married to him we are just boyfriend n girlfriend he is still legally married to his ex but they have been separated for a while now she lives in ct he lives in mass

          • Jen

            Sorry to bother so about how much will she receive you think a month

  • Mario

    Good morning .We are a family of 3 me,my wife and aDisable child (autism and HDHD )We live in Florida and my gross monthly income is 3520.00 .My wife does not work. We pay 1100.00 rent icluding water and light .Is my child elegible forSSI?
    What I’m worried Mostly about is medicaid since his HDHD med cost 400.00 monthly.
    I really appreciate your help. Thanks

    • Kay Derochie

      Dear Mario,

      Your income will allow an SSI payment of about $100, which will also give Medicaid insurance if your family assets are below the limit. You and your wife can have $3,000 countable assets; and excess counts toward your son’s $2,000 limit. One car does not count; the equity value of second vehicle counts. Retirement accounts such as 401k’s and IRA count if you have access to them. The rules for countable resources are extensive, so if you are unsure of your child’s financial eligibility, I suggest you file a claim to get a formal determination.

      Sincerely,
      Kay

  • Marie F.

    Hi, I have a question. I receive $645.00 from Ssi disability my husband is a truck driver he makes about rough fully 3,200 a month he us gone for months at a time I pay all my rent {$575} plus a few bills he pays the higher bills like the car and the insurance. We where separated but recently we decided to give it another try but because he’s been on the road he hasn’t officially moved in yet until he gets home time. Will I loose any of my monthly payment?

    • Kay Derochie

      Dear Marie,

      If while you have been separated your husband’s financial support has been paid directly to the vendor and not given to you in cash and he has not paid for your food or shelter expenses, the help he has given you is not income for Supplemental Security Income (SSI). If he moves in with you again for times when he is not away working, exactly what he pays for will no longer matter but is income will be considered in determining your SSI eligibility. Unless you have minor children in the household or he is paying child support, his income is high enough that your SSI will be terminated the month following the date he moves in again.

      Sincerely,
      Kay

  • Kay
    My spouse is on SSDI and I have been her caregiver for some 8 plus years. We have a 10 yr old also receiving. It is time I go back to work and make an income. Is my income going to effect her SSDI. I am guessing I will be making appox 3000.00 month.They recieve 1119.00 per month and my spouse receives medicare and medicaid as well as son. With that said would she lose her income and insurance?

    • Kay Derochie

      Dear Mike,

      Your wife’s and your son’s Social Security benefits and your wife’s Medicare will not be affected by your work earnings and you do not need to report the return to work to Social Security. Your wife’s eligibility for Medicaid could change or end; however, when it ends she will have a personal enrollment period during which she can enroll in a Medicare Supplement or Medicare Advantage plan to cover costs not covered by Medicare.

      Sincerely,
      Kay

  • lauren

    Hello,

    I make approx $3400 gross, I am the rep payee for my daughter . I also have 1 ineligible child. Is my daughter still eligible for benefits? If so, how much is the minimum if there is one?

    Thank you.

    • Kay Derochie

      Dear Lauren,

      The minimum SSI payment is $1.00. The limit for one parent with one ineligible child is currently $3,424 gross per month. If you are under that some months, you could apply for your daughter. In most states eligibility for SSI comes with eligibility for Medicaid, which could result in some savings for you.

      Sincerely,
      Kay

      • Maria

        My family and I recently moved. And my moms SSI benefits went down about $244. Our new place is a shared housing where one house is split into two sections. For the living arrangement, it’s saids we live in someone else’s home. However we pay our own rent but share ultitlies. Is this correct that my moms benefits were reduced?

        • Kay Derochie

          Dear Maria,

          If you each pay your rent separately to the owner of the building and have separate rental agreements and you do not share a common kitchen or a commeon bathroom, then I’d say you are two separate households. If you pay your rent together but do not share facilities and the landlord is accustomed to renting the two sections separately, you could get a statement from him or her as to how much your mother’s section usually rents for and how much she is paying. For your mother not to have a reduction she would have to also pay fair market value for her section and also her share of the shared utilities. If they are all on shared meters, then her share would be the total divided by the number of people living in both sections.

          Sincerely,
          Kay

    • Jennifer

      Hi,

      So I have a question my daughter was just approved for ssi on june 24th I have to go there to show proof of income I make 1900 a month and pay 700 a month rent. And I have 2 other non disabled children what would my daughters ssi payments be?

      • Jennifer

        I also don’t receive any child support so that’s my only income

        • Kay Derochie

          Dear Jennifer,

          Please see my reply to your first post.

          Sincerely,
          Kay

      • Kay Derochie

        Dear Jennifer,

        If your $1,900 is gross earnings, your daughter will be eligible for $733 federal SSI if no one outside you immediate family is paying for the family’s shelter or food.

        Sincerely,
        Kay

  • Amanda

    Dear kay, I was wondering if and what payment would be if i live with my boyfriend who is my son’s father but we aren’t married. He makes around 2400 a month before taxes and im not working. We have 3 cars but selling one and they are older cars except one. Also a friend lives with us who recieves ssd and ssi and pays us 350 a month. Would we be eligible?

    • Kay Derochie

      Dear Amanda,

      Who is receiving SSI? You or your son? When I know that, I can respond.

      Thanks,
      Kay

      • Concerned

        I have a question. I receive ssdi from my deceased father. I got disabled at the age of 18. I’m wanting to get married although I know my ssdi will be taken away will I get ssi? If I marry him his gross is about 4500 a month. He has 4 children that he pays child support on. He pays 1400 a month in child support. And pays for their health ins.

        • Kay Derochie

          Dear Concerned,

          If you marry, your husband’s income will be too high for you to get SSI, even with his paying $1,400 in child support for his four children. It is about $377 over the limit. You can calculate this by using the formula in the sample calculation that appears in the article where you posted your question.

          Sincerely,
          Kay

          • Godisable

            I have a question. My son has autism. Is he eligible for disability? I don’t work, my husband earns 3700.00 a month gross and we also have two other children.

            • Kay Derochie

              Dear Godisable,

              Your family’s income is within the allowable Supplemental Security Income (SSI) limits. If your family’s resources (assets) are also within the limits, your child will be financially eligible for SSI. You can read about resources in the article “What Are Deemed Income and Resources and How Do They Affect an SSI Application for Children?” under the SSI tab at the top of this webpage and also about excluded (not counted) resources at http://www.socialsecurity.gov/ssi/text-resources-ussi.htm.

              Sincerely,
              Kay

      • Cindy

        Hi sorry hope it’s okay to post my question here. My mom is currently receiving SSI benefits. I was wondering if my brothers and I live and pay a portion of the rent, will it affect how much my mom receives? And does our income affect the amount of benefits my mom receives?

        • Kay Derochie

          Dear Cindy,

          Your and your brothers’ income does not affect your mother’s SSI benefits. If your mother pays her share of shelter expenses (and food if you share food), her benefits will not be affected by your living together. Your mother’s share is the total shelter and if applicable food expenses divided by the number of people in the household. Shelter expenses are shelter utilities (power, heat, water/sewer, and garbage) and rent or mortgage, property tax and, if required by the lender, property insurance.

          Sincerely,
          Kay

      • Cindy

        I hope its okay to post here. My mom receives SSI benefits, I was wondering if my brothers and I live and pay a portion of the rent, will my mom recieve less benefits? And does our income affect that amount?

        • Kay Derochie

          Dear Cindy,

          Your and your brother’s income does not count in determining your mother’s SSI benefit amount. If you will be three in the household and your mother pays one-third or more of the rent and shelter utilities and food or buys her food separately, your living there will not affect her benefits. Shelter utilities are power, heat, water/sewer, and garbage. If you pay anything else, such as cable or phone or household supplies and buy them directly without giving your mother money for them, those purchases will not affect benefits.

          Sincerely,
          Kay

          • Cindy

            Okay thank you. So even if my brother makes a lot, it doesn’t affect my mom? We just moved to a new house and got a letter saying our situation has changed and our income has increased. My mom doesn’t work. So is this because my brother just moved back in and counts as deemed income? Also how will SSI vertify that my mom pays 1/3? Will they need proof of the rental agreement,bills, and vertifcation of my brothers and I’s income? Sorry for all the questions.

            • Kay Derochie

              Dear Cindy,

              Your and your brother’s income does not affect your mother’s SSI benefits. However, if your mother is not paying her share of the shelter expenses and share of the food if she shares food with anyone in the household, her SSI will be reduced because she will be receiving in-kind (non-cash) income in the form of shelter and/or food from other members of the household.

              Proof of the amount of rent and utilities is needed in the form of the rental agreement and utility bills. If your mother is the renter, statements from each person as to the amount they contribute will be needed. If the rent is in another householder’s name, that person can verify the amount your mother contributes.

              Sincerely,
              Kay

  • cocogem

    if I make about 1800 dollars after taxes each month my rent is 790.00 and its just me and my daughter, how much SSI can I expect to receive monthly? TIA

    • Kay Derochie

      Dear Cocogem,

      To answer your question, I need to know your gross wages before taxes or any other deductions. Also, am I correct in assuming you are asking about SSI for your daughter?

      Sincerely,
      Kay

  • Arlene

    Hi, I’m applying for my sons ADHD. We have 4 children, one is the one thats applying. My husband (step dad) makes $3000 a month, and one of my children receives $920 in child support. We are 7 in household since I care for my father in the home. We pay the taxes & insurance on home along with the bills. And $450 month in truck payment plus insurance. Will my son qualify and around how much.

    • Arlene

      Any advise will be greatly appreciated

      • Kay Derochie

        Dear Arlene,

        If you have specific questions, I would be happy to respond.

        Sincerely,
        Kay

    • Kay Derochie

      Dear Arlene,

      Assuming the child receiving child support is not your disabled child and the $3,000 is gross and assuming that your father is not paying more than his one-seventh share of the mortgage, property taxes, and property insurance if required by the lender as well as shelter utilities and food, if you all share food, you child will be eligible for very close to the maximum benefit of $733. If your father is paying more than his share, one sixth of the excess is income to your disabled son.

      Sincerely,
      Kay

      Sincerely,

      • Arlene

        My father is disable too but doesn’t receive benefits. My husband supports my father which I care for. That was pretty much my question thank you.

        • Arlene

          May I add my fathers owns the house, but we live with him since he can’t walk to well. And now with my son diagnosed with his attention deficiency, I didn’t know where to start.

          • Kay Derochie

            Dear Arlene,

            Please see my response of a moment ago to your other post of today. If your son’s functioning is severely impaired by his attention deficit, you can apply for SSI benefits for him as well. The first review will be to see whether your family’s (your, your husband’s, and your son’s) income and assets are below the limits. If so, there will be a medical review.

            Sincerely,
            Kay

        • Kay Derochie

          Dear Arlene,

          If you are asking whether your father can apply for disability benefits the answer is yes. He will be asked how much support and what kind of support he receives from your husband. If the financial help he is getting is not too high and he is medically disabled and he is a U.S. citizen or is in one of certain legal alien statuses, he can get assistance. If he is very severely disabled, you might be eligible for wages under the In-home Support Services (IHSS) program. You can inquire about IHSS at your local county or state social service office.

          Sincerely,
          Kay

  • Mark

    I posted this question before-not sure why it didn’t make it? My SSI worker told me that we are at the cut off amount of resources for my son and we only qualify for the smallest monthly amount. We bring in about 2900 total a month and nothing else. We are a 2 parent house with 2 children (only 1 is disabled). All income in earned. Also when I got my application back the monthly amount is showing she has multiplied the earnings x3 for the month of June when my husband (the only worker) is only paid twice a month. Is this common practice or error? Would you be able to give me a benefit estimate please?

    • Mark

      I guess (after reading through all of the comments on your page) I failed to realize our 401K which we cannot touch is being counted as an asset. We have $2,000 in it. Maybe that is why the only $200 that she guesstimated?

      • Kay Derochie

        Dear Mark,

        Please see my response to your prior posting. Under certain circumstances people can withdraw from a 401k while working. If your financial circumstances do not fit the qualifications, get a letter from the 401k plan administrator, which says you cannot access the funds while employed.

        Sincerely,
        Kay

    • Kay Derochie

      Dear Mark,

      Resources are things you own including money that you have on the first of the month that was received in a prior month. You and your spouse can have $3,000 in countable resources (One car, a home you live in, and some burial policies are examples of non-countable resources.) Any excess resources counts toward your disabled child’s limit, which is $2,000; so if the child has no resources, you and your spouse can have $5,000.

      Money received in a month is income. If your wages are paid twice a month, always on the same date, and not every other week, then an error has been made. People paid every other week, get three paychecks twice a year. The worker may have been thinking every other week and put in an estimate to avoid overpayments. You can submit pay stubs to show the correct earnings and/or payment pattern. To give you an benefit estimate, I need your gross earnings per pay period, clarification about the payday pattern, and whether any of your children have income.

      Sincerely,
      Kay

  • Jen

    Hello! I have a family of 6, 4 of which are minor children and only one with a disability. My husband income is roughly $2200/m. We own two vehicles with only 1 having a payment of $355/m. Mine is much older. Our rent is currently $650/m. What would a payment be roughly? I am a full time student. Thanks!

    • Kay Derochie

      Dear Jen,

      If your family assets are below the limit, your family income would result in an SSI payment of $733 per month, assuming that none of the children have income. The asset limit is $3,000 countable assets including retirement accounts and the equity value of the car in which you have the least equity. Equity is the value of the car minus what is owed on it.

      Sincerely,
      Kay

      • Karen

        Hello, I also have a family of 6. 4 children and one with a disability. My husband made about 60,000 last year. And has a retirement savings plan with them. How much are we allowed to make to still qualify and how much is allowed to be in his retirement savings plan? We don’t have over 3,000 in the bank and he doesn’t have any stock anymore.

        • Kay Derochie

          Dear Karen,

          Your husband’s income is about $108 a month over the income limit for a family of two parents and three non-disabled children. This is true if your husband is paid the same amount every month. If he is not, your disabled child might qualify in some months and not in others. Whether or not the retirement savings plan is a countable resource depends on whether the plan allows him to withdraw from it. If he can make withdrawals, it is a countable resource.

          Sincerely,
          Kay

  • ashley

    can I still get disability if my boyfriend or future husband makes about 700 each paycheck?

    • Kay Derochie

      Dear Ashley,

      If you qualify for Social Security Disability (SSD) benefits on your own earnings record, marriage will not affect the benefits. If you receive Social Security Childhood Disability Benefits on a parent’s earnings record, marriage will cause your benefits to stop.

      If you are inquiring about Supplemental Security Income (SSI), your boyfriend’s income does not affect your SSI payments. I need more information to reply regarding marriage. Is the $700 gross pay? How often is he paid? Are you or he supporting any minor children? If so, how many and do they have income?

      Sincerely,
      Kay

  • Whitney

    Hello Kay, first I must start by saying how amazing you are and how much your time and answers are appreciated! This is tough stuff. Anyway. Son is 8 years old disabled. I currently make 2,656 before taxes. Insurance (pretax) is 280 a month for me
    and my son and currently my rent is 895 (not sure if those amounts matter) My son currently has a child support order for 282 a month but since his father had gotten so many years behind I have been receiving 478 a month from him. I don’t have any assets and no other children living with me. Does he qualify for SSI benefits? My main concern is getting the healthcare (Medicaid) because his medicine is so extremely costly, and paying for after school care due to his disability is also costly. Any help given is appreciated!!

    • Kay Derochie

      Dear Whitney,

      I calculate that your earnings together with the $478 child support make your child ineligible for Supplemental Security Income (SSI). You might look into the Children’s Health Insurance Plan (CHIP) to see if your child is eligible and if so whether it covers medications.

      Sincerely,
      Kay

  • Amanda

    Hi I have a strange situation. I am married, but we have lived in separate houses in different towns for over 5 years. We do however file taxes together only because it is required to receive healthcare.gov benefits. If I were to file for ssi would I need to claim my husband’s income even though he doesn’t live in or contribute to my household in anyway? He earns about $50K a year. I have two daughters ages 15 and 19. One is in college full time and has a part time job that earns about $15K a year. She does not contribute to house hold bills or food (She pays for her own car insurance, dental insurance, gas, car repairs, food while at school, etc…). When she filed for financial aid at college they did not count my husbands income as part of my households. I also receive absolutely no government benefits, child support, or any other hidden income.

    • Kay Derochie

      Dear Amanda,

      Tax laws are different from Supplemental Security Income (SSI) laws. Accordingly, your husband’s income and assets should not affect your financial eligibility for SSI. Your daughter’s income does not affect your eligibility, nor does her living with you because she does not contribute to expenses. You will have to explain how you are paying for your shelter and food costs and that of your minor child as you say you have no income. If you have been using savings, you can apply when your countable resources including savings accounts and retirement accounts get down to $2,000. (Note that if you have joint accounts with your husband, the money in the accounts is legally yours.)

      Sincerely,
      Kay

  • Rachel m

    I am currently on SSI, my husband makes around 1100-1200 monthly, our rent is 650 plus all utilities, we get 470 in food stamps and we have 3 kids. Will his money effect my SSI?

    • Kay Derochie

      Dear Rachel,

      Your husband’s income is not high enough to affect the amount of your Supplemental Security income (SSI) payment.

      Sincerely,
      Kay

  • Dominique

    I receive Max SSI and food stamps. I’m moving currently and will have more money left over after all my bills are paid. Am I able to save up to $1000 in my savings account without my ssi going down or will it stay at Max?

    • Kay Derochie

      Dear Dominique,

      You can have $2,000 countable resources and receive SSI. If your resources go over that amount, your SSI will stop. Some resources such as one vehicle and the home you live in don’t count. Check with the food stamp office for their rules.

      Sincerely,
      Kay

  • Angie

    My grandson has Down Syndrome, his parents are filing for SSI and have been turned down because his father has a 401K of $8000. The mother doesn’t work and he makes about 35000 a year. They were denied because the 401K put them over the top…is this correct?

    • Kay Derochie

      Dear Angie,

      Yes, it is correct that the 401k account was counted as a resource because the money is available to support your grandson rather than turning to the government for support. When the family’s assets drop below the limit ($2,000 for the disabled child and $3,000 for two parents with any excess the parents have counting toward the child’s limit), they can apply again.

      Sincerely,
      Kay

  • Rachel

    My 14 year old daughter just recently got approved for ssi. I make 2376 monthly before taxes. My husband makes 1560 monthly before taxes. He pays 410 a month child support. I have 2 kids that live in he household. How much will my daughter qualify for monthly?

    • Rachel

      We also don’t pay any rent.

      • Kay Derochie

        Dear Rachel,

        Please see my response of a moment ago. The additional information about free rent, changes the picture. Your child’s share of rent and shelter utilities is the total amount divided by the number of people in the household. That amount will further reduce the benefit from the approximate $280.(Shelter utilities are power, heat, water/sewer, and garbage.

        Sincerely,
        Kay

    • Kay Derochie

      Dear Rachel,

      I estimate that your child will be eligible for about $280 SSI.

      Sincerely,
      Kay

  • Felicia

    My son was just diagnosed with Autisim he’s 2 1/2. We were told to apply for SSI in which we did back in March. We receive no food stamps or assistance of any kind. We have two vehicles one in which is an older model paid for & the other is owed on $394 per month. House payment is $728. We don’t have any other assets. We’re a family of 6. So my husband, I plus 4 children with 1 being the one with the diagnosis. My husband works I do not, he also pays court ordered child support in the amount of $215. I receive child support for 1 child in the amount of $245.
    Gross monthly income is $3600 before taxes after taxes it’s $2800. We pay for health insurance out of his pay automatically thru the company $65 out of each check which is weekly.

    Would we receive anything?

    • Kay Derochie

      Dear Felicia,

      Your child will be financially eligible for SSI based on family income and the number of parents in the household and the number of minor children being supported. The resource (asset) limit is $3,000 for two parents and $2,000 for your disabled child. Any excess in parental assets is counted toward the child’s $2,000 limit. The equity value of the vehicle with the lower equity will count toward the $3,000 limit. Equity is the retail value of the car reduced by the total amount owed on the car.

      Sincerely,
      Kay

      • Felicia

        Do you know what we could receive? I know the maximum is $733 minimum is $1 but rough amount?

        • Kay Derochie

          Dear Felicia,

          Please see my reply of July 1.

          Sincerely,
          Kay

          • Felicia

            I read it and it didn’t tell me an amount we could receive.

            • Kay Derochie

              Dear Felicia,

              I think you may have read only one of my replies. I wrote the following on July 1.

              Assuming that your countable assets including the car with the lower equity value and any retirement accounts are below the resource limit of $3,000 for two parents and $2,000 for the disabled child and assuming that none of the $245 child support is for the disabled child, I estimate the SSI benefit to be about $390.

              Sincerely,
              Kay

  • Ryan

    I am 28 and recently moved in with my mom into a new place. She receives $733 SSI and I have my own income of $1,000 per month. We’re not married, I am 28 and she’s 60. We plan on splitting the bills half and half. I reported my income for her, which doesn’t even make sense. She’s not my spouse, she’s not my child and we’re sharing the bills. I have my own bills to worry about. My question is this, are they going to cut her income now? Am I going to have to sacrifice paying my personal bills and student loan payment just because we live together? The SSI people didn’t ask us who is paying for what, they just took my income and hung up. Now I am kind of worried that she’ll get cut down or something along that line. My income isn’t really any of SSI’s business to begin with.

    • Kay Derochie

      Dear Ryan,

      I think some miscommunication has occurred. I suggest that you and your mother go into or call the local Social Security and clarify that you are mother and child and that you are sharing housing and expenses. (Your income is not relevant to her claim.) Present the rental agreement and give an estimate of the utility bills (not counting phone or cable) or take the bills if you already have them. Also take a statement that you both sign that says how much of the shelter bills each of you is paying. If you each pay half, your living together will not affect her payments. Include in the statement whether or not you share food. If you share food, you will need to estimate that cost as well and tell how much you each pay for the food. If one or both of you get SNAP benefits (food stamp card), you will probably have to make a similar statement about how food is handled for the food stamp office.

      Sincerely,
      Kay

      • Ryan

        Thanks, well nothing has changed but we’ll call them tomorrow. He didn’t ask any of those questions about who is paying for what. My mom receives food stamps however, I do not. I guess the man should be fired for not doing his job. There are many people that are unemployed that could use his job.

        • Kay Derochie

          You are welcome, Ryan.

      • Kelley

        I was not able to find a place to post my own comment so I hope posting on this thread is ok…
        I will be applying for ssi for my 6 year old who has been diagnosed with anxiety, possible adhd and has an iep. My monthly income is $1,520 but my boyfriend who is not her biological father makes about 2,400. Even though we are not married We have a joined bank account will that put my child over the limit to recieve benefits even though he’s not the father and we aren’t married? My worry is the bank account that will show the direct deposit for both of us.
        Thank you!

        • Kay Derochie

          Dear Kelley,

          Your joint bank account must be declared and the amount in the account will count as a resource and possibly your boyfriend’s deposits to the account will count as income to you because the money is legally accessible to you. If the account puts you over the $2,000 SSI limit, the excess will count toward your child’s $2,000 limit.

          The simplest solution would be for your boyfriend to stop using the account and open a separate account for his finances. If your child is over the resource limit wait to apply until you and your boyfriend use enough of the money for normal expenses that your child is below the limit. (If you remove your name from the account, it may be determined that you have given away money to get eligibility resulting in ineligibility for a period of time defined by the amount of money in the account when you removed your name.)

          Sincerely,
          Kay

  • I receive 519.00 a month I have three kids two boys 24&23 and a daughter who is 21 I recently moved into a home my sister bought and I paying rent toward taxes I am paying 875.00 a month every quarter and my son Mario who is 24 and has a steady job is paying the other 875.00 every quarter otherwise I could not live there I want to know how this will affect my ssi payment because I never get a raise

    • Kay Derochie

      Dear Melissa,

      What is of issue here is whether you (or your disabled child if you are receiving SSI for a child) are receiving in-kind (non-cash) support and maintenance in the form of shelter from either your son Mario or from your sister. Make a statement that you (or the disabled child) is paying half the rent for the house and Mario is paying half and that the rest of the family lives there for free, if that is the case. To avoid reduction in benefits, the SSI eligible person must also pay his or her share of shelter utilities (power, heat, water/sewer, and garbage) to avoid receiving support from within the household. If the rental value of the house is more than $583 a month ($1750/3), the difference between the fair market rental value and what you are paying is income to the whole household and one-fifth of that figure is income to the SSI recipient. For example, if $900 is the rental value of the house, the household is receiving a housing subsidy of $317 (($900 – $583). Of that amount $63.40 ($317/5 people) is income to the SSI recipient.

      Sincerely,
      Kay

  • Annette

    I have recently applied for disability for my premature twins bc I was told I may be eligible (they have breathing and feeding issues). My family is a household of 5. I do not work, my husband gross varies $800-$1,200 weekly, he recently started a part time job which grosses $709.50 a month to help support the family. We both have newer vehicles that we make payments on valued at 30,000 to 35,000. Do babies qualify for being premies? Do you think we would qualify for any type of benefits for our babies given my husbands income and our resources? I’m confused with the calculations and deeming please help!!

    Thank you in advance!

    • Kay Derochie

      Dear Annette,

      In months before your husband started the part time job, earned $800 a week, and did not receive a fifth weekly paycheck (a fifth check is paid every three months), you will be eligible for about $93 if your assets are not over the resource limit. In other months in which he earned about $985 or less, some amount between $93 and $1 would be payable. Months in which his earnings are more, you will be ineligible.

      You and your husband can have countable assets of $3,000. The lower equity value of the two cars will count toward the resource limit. Equity value is the retail value reduced by the amount you own on the car.

      Sincerely,
      Kay

  • Lynne Synovetz

    Kay,

    I have been disabled for about 6 years now. I tried to get disability about 5 years ago and was turned down for now enough work credits, which confuses me because I know two people getting it who have never worked. A friend said I should reapply but not sure if i can get it while married. My husband brings home under 2100 a month and it is just the two of us. Is it worth my effort to look into a disability lawyer maybe, or just leave it be ??

    • Kay Derochie

      Dear Lynne,

      If you give me your husband’s gross wages, I can respond to your question.

      Sincerely,
      Kay

      • Lynne Synovetz

        39720 I don’t know if it matters we pay 800 a month for health insurance, 1 car payment, and usual water, elect,etc….
        Thank you so much

    • Kay Derochie

      Dear Lynne,

      Your husband’s income is too high for federal Supplemental Security Income (SSI) payments because $824 of your husbands wages are deemed available for your support and the maximum federal SSI payment paid when a person has no income is $733. If you live in a state that has an SSI state supplement that is high enough and is paid when a person is not eligible for a federal payment, you might qualify for a small amount. You can inquire with the Social Security Administration.

      Sincerely,
      Kay

  • averysmom

    dear kay,

    my child was born with cerebral palsy. she is now 2 years old. we having been paying medical bills for 2 years now. my husband and I gross around $9000 a month but we have a house payment of $1500 a month and a car payment plus numerous other bills. we has always been told we don’t qualify for anything based on our income. I have been working overtime to pay for medical bills. we have 2 children living in the home. I tried applying for ssi for my daughter but told we wouldn’t qualify. there has to be something for working parents that pay into the system right? I would be happy with a medical card to cover what insurance doesn’t. I guess I could quit my job to care for my daughter, but that isn’t teaching my children work ethics. I have to pay cash for a babysitter due to my daughter having disabilities that she cant go to daycare.

    feeling hopeless and needing help like other parents

    • Kay Derochie

      Dear Averymom,

      Supplemental Security Income (SSI) benefits are paid for children living in families with income at or below the poverty level. Your family income is more than double the amount of parental income that allows payment of $1 and Medicaid insurance with it. You might inquire with your employer whether they have a pre-tax benefit that exempts from taxation the money spent for childcare. If so, then you could find out what certification your babysitter would have to have for you to claim your childcare expenses as tax exempt. Perhaps she would be willing to apply for that certification.

      Sincerely,
      Kay

  • Ash

    Hello I need help i cannot figure it out. My child is disabled and receives 733 Ssi at this moment. I am going to start work and will be making 1,500 a month. I have two other minor children who are not disabled. I receive 60 a month total in child support. How can I figure out what they count or how much my child would still receive. I’ve tried to use the online calculators but cannot figure it out. Help!

    • Kay Derochie

      Dear Ash,

      Your work earnings are low enough that they will not change the amount of SSI your child is eligible for. You can see how this is calculated by using the formula in the sample calculation in the article “What Are Deemed Income and Resources and How Do They Affect an SSI Application for Children?” under the SSI tab at the top of this web page.

      Sincerely,
      Kay

  • Ale

    Hi Kay… I make approximately 1800 a month before taxes from my job.. My daughter is 2 and approved for ssi because of her disabilities .. My rent is 650$ … No other income or assets .. How much will she qualify for in ssi?

    • Kay Derochie

      Dear Ale,

      You daughter will be eligible for about $124, assuming one parent in the household and no other minor children.

      Sincerely,
      Kay

      • Ale

        Really even for a single parent? I seen other post made in March were people were in similar situations and you told them they would receive 600 somethings (NIN March 28 and March 30).. Confused?

        • Kay Derochie

          Dear Ale,

          I am unable to locate the post by and reply to the other person you reference, but I looked at my reply to your first post and see that I made a clerical error. $124.50 is the portion of your income that would be deemed to be your child’s income. Of that, $104.50 would be countable income; so if your child has no income, the estimated benefit would be $628.

          Sincerely,
          Kay

  • Sara

    My son is 4 months old and is considered disabled. My son’s father and I are together and live in the same household. We are not married. I have no income and he makes around 2,500$. Would my son qualify for ssi with our income?

    • Kay Derochie

      Dear Sara,

      Your child qualifies based on income. Family assets must also fall within the limits.

      Sincerely,
      Kay

  • Tyler M

    My son was labeled disabled when he was 6 months old. He is now 5 years old. It is getting hard to find a summer day care that he can go to. Is there any assistance that ssi can offer for us. We make to much money for the monthly benefits. We just trying to find some kind of help when it comes to child care for him.

    Thanks

    • Kay Derochie

      Dear Tyler,

      Try contacting the Easter Seals Foundation or the Shriners or other organizations that support youth, especially youth with health issues. There may be some scholarships available.

      Sincerely,
      Kay

    • Pa

      Kay,
      We have a daughter who has a cogenital heart deffect. I was wondering if we would qualify for ssi. We are a family of four our income fluctuates from 3500 to 4100 a month. Woukd we qualify for ssi?

      • Kay Derochie

        Dear Pa,

        Your daughter would be eligible based on income, though only for a small amount in months that the $4,100 was countable income. Your family countable assets also have be fall within the limits.

        Sincerely,
        Kay

  • Matt

    Kay,

    We have a complex set of circumstances, and would value your advise/opinion.

    My son just turned 18, and is a resident of FL where he lives with his mother (along with my teenage daughter). He just graduated high school, but will remain in a program with the school until he ages-out at 22. He’s received benefits (SSI/Medicaid) all his life, as he was significantly premature, which caused serious developmental delays. He was also diagnosed profoundly autistic at age 3. Best-case scenario is assisted living…praying for better. I believe he receives ~$490/mo from SSI and has Medicaid (in addition to health insurance I provide).

    We were divorced in SC (2005), and I have been paying child support in the amount of $900/mo without missing a payment. I have since remarried in 2010, and have two more daughters.

    After I had some specific concerns, we went back to court in SC (2013) to modify our order to address termination of child support, among numerous other things. One such detail was my son’s termination of child support, or ability to adjust it so-to maximize his disability benefits after turning 18. Currently, no special needs trust has been established in FL. The only income reported on his mother’s financial declaration is $410/mo for “disability and worker’s compensation benefits”. It’s not far-fetched to assume it’s still accurate. Her reported household expenses total $1475/mo. She has also remarried, and has had one child with her husband in addition to a stepdaughter. Unsure if his income is required, but estimating ~$2600/mo should be close.

    I’ve served on active duty for the past 17 years, with a gross income of ~$7000/mo (if all non-taxable allowances are included). We recently relocated to NJ, and my wife is searching for another job (CPA). Based from your previous comment responses, I’ll omit her income unless it becomes relevant. Additionally, our court order allows child support to be adjusted to $850/mo to share costs of airfare for visitations (twice each year).

    All this brings me to my concern. Since he has turned 18, and received a diploma, what insight do you have about continuing to pay $850/mo? I tried having this discussion with his mother, but it didn’t end well. Using SC child support calculations, if my son was no longer receiving support, my payment would become $650/mo for my daughter. Would that not benefit my son overall? That decision, while allowed in the court document, isn’t being fully thought-through on the other end. And any request for information or his case worker’s contact info have not been answered.

    I’m afraid this has the potential to negatively impact his benefits, possibly disqualify him. Without being in FL, and being a treated as a noncustodial parent (unless you read my court order) I’m having difficulty getting answers. I’m fully willing and prepared to assist in supporting my son for the rest of his life, but I don’t totally trust what his mother is telling me.

    I know that you may not have specifics, but what is your opinion my situation? Are there specific resources for someone in my unique situation?

    Thanks!!

    • Kay Derochie

      Dear Matt,

      Because your son is eighteen years old, your ex-wife’s income, her husband’s income, and his sister’s child support no longer affect your son’s payment amount. What is material now is whether he is paying his share of food and shelter expenses. His share is the total of those expenses divided by the number of people in the household. Shelter expenses are shelter utilities (power, heat, water/sewer, and garbage) and rent or mortgage, property tax and, if required by the lender, property insurance.

      Accordingly, it may be necessary to keep paying some child support so that he has enough money to pay his share. If any is left over, it should be saved so that he can pay his share in the two transitional months that will occur between when the child support stops and before the SSI is increased to $733. (SSI payment increases and decreases occur two months after the change in income occurs.)

      Sincerely,
      Kay

  • Steve

    My wife just won her ssi case, i guess i have a two fold question. I receive $951.00 in ssdi and am unemployed how much will this effect her monthly payment? And how prepared do i need to be when they determine her backpay, will they need my financial info since her disability start date of 7/1/08

    • Kay Derochie

      Dear Steve,

      If your wife was approved for Social Security Disability, you have no minor children in the household, and your $951 benefit is gross before tax withholding or Medicare premiums, your wife’s SSI will be reduced by $931 to $$169. Be prepared to show your annual Social Security letter that gives the rate for the following yea, proof of any other income, your bank statements since 2008, all the addresses at which you and she have lived. (Note that if your wife was approved for Social Security Disability (SSDI), your income and assets will not affect the SSDI payment amount.)

      Sincerely,
      Kay

      • Casandra

        My son is considered disabled due to autism. I gross $1500-$1700 a month And I have 3 children. How much would my son qualify for. I pay $850 in rent and have a car loan for $4500. Pay $230 month for car.

        • Kay Derochie

          Dear Casandra,

          If your son is medically eligible and you pay all of our children’s and your expenses, your child will be eligible for $733 a month.

          Sincerely,
          Kay

  • Claudia Contreras

    Hello I just married a man who was receiving SSI benefits. I make about 5000 a month and have 2 kids. Will this cause him to loose his benefits and in turn his insurance? We pay 1480 in rent plus the usual bills or light gas etc.

    Thank you for your help.

    • Kay Derochie

      Dear Claudia,

      According to my calculations, your income is too high for your husband to receive Supplemental Security Income (SSI). He needs to report his marriage and your income right away. You may be able to add him on your employer’s health insurance policy, if they have one and you are covered. If not, he has sixty days from the Medicaid ends to apply for health insurance under the Affordable Care Act (ACA). More information is available at http://www.healthcare.gov.

      Sincerely,
      Kay

      • Claudia Contreras

        Thank you for your help. That’s what we thought and wanted to make sure.

        • Kay Derochie

          You are welcome, Claudia.

  • Anthony B.

    Hello. My daughter was recently approved for SSI disability and she is approved for $83.50 per month. I am wondering if you would agree with this evaluation. My wife stays with our daughter full-time and has no earned or unearned income. We have 3 additional children who are not disabled. I make $3780.00 per month (before taxes). We are under the $3000 total for assets. We have one vehicle and rent our home for $450.00 per month. We have only term life policies with no cash value. Just wondering your thoughts and any suggestions you may have. Thank you.

    • Kay Derochie

      Dear Anthony,

      If your children have no income and are under age eighteen, I do not agree with the evaluation. I calculate $539 benefit payable. I suggest that you appeal the benefit amount. You might look at the article “What Are Deemed Income and Resources and How Do They Affect an SSI Application for Children?” under the SSI tab at the top of this web page.

      Sincerely,
      Kay

      • Anthony B.

        I have reviewed the breakdown we received. I get paid weekly and the month of April had 5 Fridays. Based on this single oddity they showed my monthly income as $945 higher than a usual 4 payment month. Do you feel I still have a basis for an appeal? Thank you.

        • Kay Derochie

          Dear Anthony,

          If the wage amount they used in the calculation is correct, then you probably do not have a basis for appeal. Note that you will receive a fifth pay check every three months. But also note that SSI benefits are calculated on a monthly basis so that two out of three months your child will be eligible for more. Your fluctuations in income will affect benefits two months later. If you are careful to report your income by the tenth of each month, you should avoid overpayments and underpayments.

          Sincerely,
          Kay

  • Dee

    Hello,
    I am thinking about applying for SSI but am not sure I would even be eligible.I don’t work but my husband’s gross monthly income is $6,385.Our rent is 1,200.I’m assuming I would not qualify for SSI because of my husbands income.Am I correct?

    • Kay Derochie

      Dear Dee,

      You are correct.Your family is too high unless you have six minor children.

      Sincerely,
      Kay

  • Tina

    My husband was approved for SSI 6 months ago. I work part-time and only earn about $800 per month. I am wanting to quit altogether since we own our home and car and our monthly bills are very low and we feel we could manage just fine on the max SSI monthly payment. Will my husband be penalized on his SSI beneifts in anyway if I voluntarily quit my job?

    • Kay Derochie

      Dear Tina,

      Maximum federal Supplemental Security Income (SSI) is $733. Based on your current income, he would receive the maximum whether or not you continue working.

      Sincerely,
      Kay

  • Angie

    I have a question, my husband just got approved for ssi I gross 2040.00 a month we have no children, how much would his monthly benefit be??

    • Kay Derochie

      Dear Angie,

      I calculate about $135.00 plus in most states Medicaid.

      Sincerely,
      Kay

  • Vontressa

    I just started the process of applying for my 14 yr old daughter. I live in a house I bought with my boyfriend. We both work full time and each pays half of all the bills. We both make around 40000 per year. I have 2 other children living with me. None are his children. At first I wasn’t going to say anything about him since we have separate finances. But after reading questions it looks like I am required to. We both own 1 vehicle and the house is in both our names. Should I list him as part of my household?

    • Kay Derochie

      Dear Vontressa,

      You do have to list your boyfriend as being in the household. His income and assets to not affect your child’s SSI claim because you are not married and he is the father your disabled child. If he does not give you money and you pay half the food (or buy your family’s food separately), half the shelter utilities (power, heat, water/sewer, and garbage), and half the mortgage, property tax and, if required by the lender, property insurance, living with your boyfriend will not affect the SSI claim.

      Sincerely,
      Kay

  • Melissa Brodhead

    My adult son lives with me and receives SSI payments because he is autistic. I am unemployed but do receive some money from my assets (dividends, interest).
    I charge him rent and food, which he pays with his SSI payment. I do not charge him more than the payment he receives because that is his sole source of income and he is unable to pay more. His total money assets are less than $2000.

    1. Do my assets affect his disability eligibility or payment amount?
    2. Does my income from those assets affect his disability payment or eligibility?

    • Kay Derochie

      Dear Melissa,

      Your income and assets do not affect your adult son’s SSI payment amount. If your son is paying fair market value for room and board or he is paying his share, his SSI should be the maximum $733. If it is not, report what he is paying to get the increase.

      Sincerely,
      Kay

  • Josie Lewis

    Hi,

    My husband makes 4250 gross, but he pays 985 a month in child suppor . We have 4 children and one has autis . I am not currently workin . What would our rate be? We pay 1950 a month in rent

    • Kay Derochie

      Dear Josie,

      Assuming that the four children are in your household and none have income, your child’s SSI would be $733 plus state supplement if your state pays an SSI state supplement.

      Sincerely,
      Kay

    • Makala

      I have a question, my son is 5 years old, he has autism and I am trying to process if we will be eligible for SSI for him. We have two other kids. My husband is the stepfather and only one child is his. But since we live together our income is combined. He makes roughly 3900 a month because he is military. We pay 1278 in rent and 890 in car payment and groceries and gas and insurance and phone bill. Would we qualify? If so how much would we qualify for? Family of 5 with 3900 income gross amount. And only 1 disabled child.

      • Kay Derochie

        Dear Makala,

        If all of the $3,900 is work earnings, your son qualifies based on income and his benefit would be about $673. The family also has to have countable assets below the limit, which is $3,000 for two parents and $2,000 for the disabled child. I the parents income is over $3,000, the overage counts toward the child’s $2,000 limit.

        One car (the more valuable) car is excluded. Vehicle value is the equity value. Equity value is retail value less the amount owed on it.

        Sincerely,
        Kay

  • M Lankford

    I have a question, my daughter was recently approved for ssi. However, I noticed that what my pay stubs report is more than are than what they are reporting for my gross for the actual one not the estimates . Are they possibly deducting what I pay for health insurance?

    • Kay Derochie

      Dear M.,

      Total gross earnings are used in calculating Supplemental Security Income (SSI) payments. I am not sure whether you are saying the estimate is more than the actual earnings or vice versa. If the estimates are more, the representative is probably trying to avoid overpayments. If the actual wages are more, I suggest that you ask Social Security to raise the estimate to avoid future overpayments in the event of delayed processing sometime in the future.

      Sincerely,
      Kay

  • Esme

    Good Morning! I am a single mother of 2 boys. One of them has been diagnosed with Depression, anxiety, ADHD & Dyslexia. My income is 3k a month. I have my boys on my insurance at work and paying 380 a month and since there is a 3k deductible I have to pay doctor appointments and medication out of pocket. I have a car payment 450 a month and rent which is 800 a month. Plus all the utilities, food, etc. Would my son qualify for disability benefits and if so, how much. I am really struggling.

    • Kay Derochie

      Dear Esme,

      Based on the information you provided your child, if disabled, will qualify financially for about $433; and in most states, SSI eligibility SSI eligibility gives eligibility to Medicaid insurance, which does not have deductibles.

      Sincerely,
      Kay

      • Kristin

        So I just got approved medically for SSI. I have a household of 5, it’s 3 children and 2 are also on SSI. My husband’s only income is SSD and it’s 785. Will I qualify financially for SSI or will it be reduced?

        • Kay Derochie

          Dear Kristin,

          If you husband does not apply for Supplemental Security Income (SSI), his income will have only a small effect on your SSI because of the allotment for his own support and the support of your non-disabled child. I estimate that your SSI will be about $27 below the maximum benefit.

          Sincerely,
          Kay

          • Nicole

            Hi my son is going to be 4yrs next month he was just approved for ssi on January and receiving the amount of $153 i recently stop working in Feb 2016 due to no client I reported the changes but my mortgage is 1,200 all bills paid but his dad pays half which is $600, but since I have no more source of income but my son ssi can he get is full amount?

            • Kay Derochie

              Dear Nicole,

              I am assuming that your child’s father does not live with you. Accordingly, the $600 he is paying for rent is income. If the money is being paid to you or the mortgage company and it is not court-ordered child support, you can make a case for the money being support for you and not for your son because your son has SSI income to pay his half of the rent. If it is treated as your income, it will not reduce your son’s SSI. However, this situation as described doesn’t say who is paying for the utilities or food and you will need to explain that when you report the changes in income.

              Sincerely,
              Kay

          • Nicole

            Okay and if I have my daughter as well she is 11yr old I provide food with my snap benifits for both kids and myself

            • Kay Derochie

              Dear Nicole,

              Having a second child in the household does not change my previous response, except that your son’s share of shelter expenses is less, one third.

              Sincerely,
              Kay

      • Esme

        Thank you! Do they look at income before or after taxes?

        • Kay Derochie

          Dear Esme,

          You are welcome. Before taxes.

          Sincerely,
          Ka

          • Esme

            I got a raise. I make 44K a year. I take home only 1352.00 twice a month. 2704 Monthly. How much will I qualify for?

            • Kay Derochie

              Dear Esme,

              For me to respond, I need more information. Who in your family will be applying for Supplemental Security Income (SSI) benefits? Who else lives in the household and what income do they have?

              Sincerely,
              Kay

          • Esme

            I’m sorry, this was my original post…Good Morning! I am a single mother of 2 boys. One of them has been diagnosed with Depression, anxiety, ADHD & Dyslexia. My income is 3k a month. I have my boys on my insurance at work and paying 380 a month and since there is a 3k deductible I have to pay doctor appointments and medication out of pocket. I have a car payment 450 a month and rent which is 800 a month. Plus all the utilities, food, etc. Would my son qualify for disability benefits and if so, how much. I am really struggling…….I am now making 44K a year. I only take home $1352.00 twice a month. How much do I qualify for?

            • Kay Derochie

              Dear Esme,

              Even assuming that your children do not have income, with $3,666 gross monthly earnings ($44,000 gross per year), your income is too high for your disabled child to receive SSI benefits. You might be able to get more comprehensive health insurance for the children through the Children’s Health Insurance Program (CHIP). You can learn more about CHIP at http://www.healthcare.gov.

              Sincerely,
              Kay

    • Steven

      Hello. We have a baby that has down syndrome. We both work but she is about to stop working. She works part time and makes 600 a month. We pay 1200 a month for rent and have 2 car payments that equel 660 a month plus other bills credit cards, power, water. I make about 2600 a month with my tips and together we get another 396 for va disability for both of us. Im just trying to see what we would qualify for? Im really hoping to get a reply. It seems like ur still commenting back. Thank you for all that your doing to help us.

      • Kay Derochie

        Dear Steven,

        When your wife stops working, based on income, your child will be eligible for about $190 a month and in most states Medicaid health insurance. The calculation is based on your VA income being compensation–not pension. If you are receiving VA pension, the pension would not be countable income and your child would be eligible for $396 more than the amount estimated.

        To be eligible your family assets must also fall below the limit. You two parents can have $3,000 countable resources (assets); any excess counts toward your child’s $2,000 limit. The car with the lower equity value will count toward the resource limits. Equity value is the retail value of the car reduced by the amount you owe on it. If you are unsure whether your child qualifies financially, I recommend you file a claim to get a formal determination.

        Sincerely,
        Kay

  • Jennifer R.

    Quick question…..my son was diagnosed with several mental health disorders over a year ago. My husband and I have guardianship of my 17 year old niece so I believe that would make our household 4 persons total. He and I have a gross monthly income of $5800 but he pays out $400 a month in child support for his two other kids. How does SS take child support payments into account? Would my son possibly qualify for benefits? Are there any other income exclusions SS takes into account?

    • Kay Derochie

      Dear Jennifer,

      Please tell me how old your son is so I can reply.

      Thank you,
      Kay

  • Alonzo

    My mother receives disability and widow benefits in the amount of roughly 1300/monthly. She is also on Medicare. She is in the process of trying to get medicaid with the one house and vehicle allowance. If my gf and I move in to take care of her, will this weigh on her medicaid process? Not sure if our incomes and assets hurt her at all.

    Thank you for your time.

    • Kay Derochie

      Dear Alonzo,

      I am not an expert on Medicaid regulations; however, I am reasonably sure that your income and assets will not affect her Medicaid eligibility. I would think that if you just live with her and do not pay any of the household shelter expenses and only your own food, you living with her will not hurt her potential eligibility. You should check this last point with the Medicaid office and also whether you can pay for the increased utilities caused by your presence in the household.

      Sincerely,
      Kay

      • ray

        so if there were a himecare worker getting paid to live and help out that was a family member,could that person own 5000 worth of assets. since that person is not on ssi but just lives there? tools,fishing ham radios etc.

        • Kay Derochie

          Dear Ray,

          Right. The finances (income and assets) of a home health care aide who is not the spouse of a disabled SSI-eligible adult or the parent of an SSI-eligible child do not affect the SSI-eligible individual’s benefits.

          Sincerely,
          Kay

  • I am a single mom of 4. one of my children has been dx with a mental disability with a few other additional diagnosis. I just applied for ssi for my child. my income is I make 16.15 an hour for 80 hours and get paid bi weekly. my disabled daughter gets 130.00 a week in child support and one of my other children is suppose to(her dad is ordered to but doesn’t give) get 300.00 a month in child support he doesn’t pay it . my question is would my disabled daughter qualify with the income that is in our home and if so what would be the estimated amount? just to add we have one car I do not own yet I am still paying on it. thank you for your time.

    • Kay Derochie

      Dear Taylor,

      Yes, your daughter will be financially eligible for Supplemental Security Income (SSI). She will be eligible for less in two months of the year because twice a year you receive three paychecks. Also, if the father of your other child pays child support in any month, you must report it because the calculation of your daughter’s SSI (if she is approved medically) will go down.

      Sincerely,
      Kay

      • Taylor

        Thank you for your response. I called today to find out the status of my daughters case and she was approved I go next week to take proof of income etc. do you know about how much she will get in ssi? Thank you

        • Kay Derochie

          Dear Taylor,
          Your daughter’s SSI benefit will be based on your family income, the number of parents in the household and the number of minor children the parents are supporting. Federal SSI is paid in amounts of $1 to $733 a month. Some states have small SSI state supplements. Accordingly, I don’t have enough information to give you an estimate.

          Sincerely,
          Kay

      • Taylor

        Question???..single mom living in Ky . My daughter was approved for Ssi. I just got a raise and will go into affect July 1st so now I’ll be making 16.47 an hour for 80 hours biweekly. I have 3 other kids non disabled. And my disabled daughter gets 130 a week in child support how much will her benefits be?( I can’t seem to figure out from the beginning post)

        • Kay Derochie

          Dear Taylor,

          I estimate that your daughter will receive $613 in months that you get only two paychecks. In months that you get three paychecks, she will be eligible for $1 per my calculations. You can use the formula in the article “What Are Deemed Income and Resources and How Do They Affect an SSI Application for Children?” under the SSI tab at the top of this webpage to run the calculation.

          Sincerely,
          Kay

  • Ross

    Hi
    I have 5 year who receives ssi. There currently wanted to review his because of earnings I received. My question is how do they look at the parents income like I have 3 other children pay 1200 dollars a month in rent. Do they take any of your other kids you support and your bills into concerdration I guess I am asking what are the guidelines? Never I have had this issue and don’t want his benefits to stop just because I had to go back to work. Thanks in advance for helping

    • Kay Derochie

      Dear Ross,

      Part of your work earnings are excluded as a work incentive. Also, part of your earnings are allocated for your own support and the support of your non-disabled children. See the sample calculation in the article “What Are Deemed Income and Resources and How Do They Affect an SSI Application for Children?” under the SSI tab on the navigation bar at the top of this web page. SSI benefit amounts are calculated on month by month, so expect having to report your work earnings monthly.

      Sincerely,
      Kay

  • Amy

    Hi, I have a question! If you live with someone who is on ssi disability why is your friends income is in question when she has nothing to do with our income and we don’t have anything to do with her income. I’ve been wanting to get a job and be able to start eating right but I can’t…feel like I am stuck because if I make any money she gets hurt from it. My husband already has a job! Is there any way where her income won’t have anything to do with us? Thank you!

    • Kay Derochie

      Dear Amy,

      Unless the person on SSI is your child, your and your husband’s income has no bearing on her benefits. If you and your husband pay more than your share (two-thirds) of the shelter expenses (or more than your share of food if you all purchase and prepare food together) or pay more than market value for a room rental, then your contribution or rent will affect her benefits. Shelter expenses are rent or mortgage, property tax, and if required by the lender property insurance, power, heat, water/sewer, and garbage.

      Sincerely,
      Kay

    • Desiree

      Hi, My dad is on ssi and receives benefits from me each month,around $890, I was just wondering that if I have a job of my own will that affect the income he receives? , I’m only planning to work 3 times a week not making more than $400 a month
      Thanks for your help

      • Kay Derochie

        Dear Desiree,

        I think you might not have written what you intended. Did you mean that you are a minor and your father receives $890 a month for you in dependent benefits off his earnings record because he receives Social Security Disability (SSDI) or Social Security retirement? If so, $400 a month will not affect your dependent benefits. No amount of work you do will affect his benefits. (If you really meant “SSI,” which is Supplemental Security Income, then I don’t understand the circumstances and perhaps you could explain more what you meant by your dad receiving benefits “from” you.)

        Sincerely,
        Kay

        • sherri

          I cant find a way to comment but i have a question. If my family recieves foodstamps do my ineligible children still have a deduction. It is me and my three children in the home. I make $12 an hour 40 hours a week. One of my ineligible children recieves $ 200 in childsupport the other none. My child who has just been approved for ssi recieves $200 in childsupport also. We all recieve medical and foodstamps from the state. What will my daughters award be? Wisconsin

          • Kay Derochie

            Dear Sherri,

            I am not sure what “deduction” you are referring to. SSI is not reduced by food stamps. Usually children approved for SSI also have Medicaid. Check with the food stamp office regarding food stamp eligibility and the Medicaid office for Medicaid eligibility for the rest of the family.

            Sincerely,
            Kay

  • Sarah

    Hi Kay,

    I appreciate that you have been taking the time to answer questions here on your page. I am having a hard time determining what my child’s SSI payment could be. My child was diagnosed with Autism and it was recommended we apply for SSI. However as it currently stands with my husband and I working I know make too much. My husband works full time and I work part-time 15 hours a week ( from home while caring for our child). My child’s therapy is going to be increasing and I am struggling to juggle it all. I am considering quitting the part-time job but unfortunately we live in Southern CA where the cost of rent is astronomical. I have been trying to figure out whether we could survive if I quit my part-time job and we applied for SSI for our child. If we did so my husbands monthly income is $3616 before taxes. We are a family of three – no other children. What amount of SSI would my son be able to get based on this? I realize it would be a reduced amount but I have gotten a few different numbers using different calculations and I am pretty confused. Thank you for your help in advance BTW, trying to figure this stuff out is stressful and your kindness is appreciated.

    • Kay Derochie

      Dear Sarah,

      If you were to stop working, your child’s SSI would be about $57.50 federal SSI a month, plus Medicaid coverage, possibly plus about $63 California SSI state supplement. Note that your family also has to be within the resource limits. you can read about the SSI resource limits in the article “What Are Deemed Income and Resources and How Do They Affect an SSI Application for Children?” under the SSI tab on the navigation bar at the top of this web page.

      Sincerely,
      Kay

      • Sarah

        Thank you Kay!

        • Kay Derochie

          You are welcome, Sarah.

  • Misty

    Hi! My husband receives $1017.00 SSDI. Myself and 2 children also receive $142.00 off of him. I have 2 children with autism and they receive $591.50 each SSI. For a total of $2626 per month. The deeming rules have me so confused! My question is, if I were to try and figure out how to get a part time job, how will any income on my part affect their payments? I am not sure if husband’s SSDI counts against the SSI or if the kids SSI count against eachother or what is the maximum income for family of four. We have a mortgage payment of $703 per month. Thanks for your help!

    • Kay Derochie

      Dear Misty,

      Your husband’s Social Security and your Social Security dependents benefits are considered in determining the amount of income to deem to the children. Right now only $9.50 is being deemed to each child because $1,100 is excluded for your and your husband support. The rest of the reduction in SSI is due to the $142 that each of the children receive. Each child’s SSI does not affect the other child’s SSI.

      If you work, the first $65 of gross earnings does not count to reduce the SSI benefits. Half of your earnings above $65 will count and will be divided used to reduce the children’s SSI. For example, if you make $600 a month each child’s SSI would go down by $267.50 ($600 – $65 / 2 = $535 / 2 = $267.5). Note again that the exclusion for your own support has already been applied to exclude most of your and your husband’s Social Security income.

      Sincerely,
      Kay

      • Misty

        They told me the children’s benefits were reduced, because the $142 is considered direct income to them. My question is, if I made any income at all, would their benefits decrease? Do I have any room to make anything?

        • Kay Derochie

          Dear Misty,

          See my response to your first post. It is correct and $19.00 of your husband’s income is also reducing each child’s SSI by $9.50. For every $2 over $65 gross that you earn will result in a $1 reduction in each of your children’s benefits.

          Sincerely,
          Kay

          • Misty

            Thanks Kay.

            • Kay Derochie

              You are welcome, Misty.

          • Misty

            It’s confusing to me, because the way I am seeing it is my kids would get 733, but the 142 reduces it to 591. 733-142=591. They get 591.50 though? I don’t know where you are getting the rest of that math, but I sincerely appreciate you answering questions on here. I just wish I could make sense of this. Thanks again.

            • Kay Derochie

              Dear Misty,

              The first $20 of your children’s Social Security is excluded, so only $122 is counted for each child. The remainder of the countable income is deemed from their father’s income.

              Sincerely,
              Kay

  • Andrea

    My husband was on disability when he was younger and single as he has scar tissue on his brain and paralysis of his left side. I make 38k a year and i don’t know if her would be able to receive benefits again. He now has some physical issues that are making it impossible for him to do the hard labor type jobs he was doing. Would he be able to recieve benefits due to my income?

    • Kay Derochie

      Dear Andrea,

      You income is too high for your husband to receive SSI (Supplemental Security Income) unless you have minor children. If your husband had a fairly steady work history in the ten years before he had to stop work due to his conditions, he can apply for Social Security Disability (SSDI), which does not have a limit on family income or assets. If he files a claim, he should list all his conditions.

      Sincerely,
      Kay

  • Maria

    I live with my boyfriend and I have a child with him. I have another child who receives ssi and her father and I are married but seperated. My child who receives SSI receives her food and feeding supplies from IU homecare because she is g-tube fed and medicaid pays for that. Would the food expense be counted together or would it be separate?
    My other question is, would it affect her SSI benefits if my daughter is staying with her dad every other week? Neither of us pay child support for her.
    Also, my daughter was receiving SSI before I gave birth to my boyfriend’s child so instead of three of us living together, now it’s four of us. Would my daughter pay from her share the same as before for expenses or would that change?

    • Kay Derochie

      Dear Maria,

      Your disabled child’s food expenses should be separate from the rest of the family’s because she does not share the same food.

      When the number of people in the household changes, the share changes. Your disabled child’s share of shelter expenses is one quarter because now there are four in the household. You need to report the change to Social Security. That will also give you the opportunity to ask about the effect of your child staying with her father half of the time. It could result in his income counting in determining her benefit amount. Also, it could reduce her share of shelter expenses in your house to one eighth because she would be in your house only half the time.

      Sincerely,
      Kay

      • Maria

        Do you think that she would have to pay back if she has been overpayed? Or how does that work?

        • Kay Derochie

          Dear Maria,

          If you report the changes promptly and your daughter continues to be eligible, you should not have an overpayment because income changes affect benefit amount two months later. If she is overpaid, you can ask for waiver of collection if you are not at fault in causing the overpayment due to late reporting or some other reason and if you can’t afford to repay.

          Sincerely,
          Kay

  • Megan Serrano

    Hi my son was just diagnosed with autism and I am just trying to find out what the monthly max income is to qualify for benefits for him. It’s just him no other children. Thank you in advance 🙂

    • Kay Derochie

      Dear Megan,

      You can find a chart at http://www.socialsecurity.gov/ssi/text-child-ussi.htm

      Sincerely,
      Kay

    • Sherry

      Hi kay I had another question my boyfriend just moved in he doesn’t have a steady job works when he can but he has 2 cars…I have my own car to go to work..one car he uses to go to his odd jobs and the other he doesn’t use will my sons ssi go down because the cars are assetts. I have 2 disabled sons on ssi one in a minor the other is 21 years old. I read you can only have 1 car in the household I did not know that since we arnt married and didn’t think it would matter. Why does it matter to ssi?? I dont use his car and he don’t use my car…and he’s not the father to either of my kids…how is someone suppose to get around with only one car I’m confused…

      • Sherry

        Sorry I forgot to add that I also have a minor daughter that is only my child and doesn’t recieve any child support or disability so in total I have 2 minor children living with me 1 recieves ssi like I said and a adult child who lives at school but comes home weekend’s vacations and holidays…just wanted to make the known for your answer to my boyfriend who lives with me who has limited income but 2 vehicles will that be held against my minor sons ssi?? Sorry for the confusion. Thank you and what should I do have my boyfriend move out?

        • Kay Derochie

          Dear Sherry,

          Please see my reply to your first post.

          Sincerely,
          Kay

      • Sherry

        I haven’t received an answers to two of my questions?? I’m sure your busy and I’m sorry I just need this info to make sure I’m not doing anything wrong.please help me I’m desperate!!!!!

        • Kay Derochie

          Dear Sherry,

          I have answered several of your questions. Are you sure you are looking in the right article to find where you posted them?

          Sincerely,
          Kay

      • Kay Derochie

        Dear Sherry,

        Your boyfriend’s cars have no affect on your minor child’s SSI benefits because your boyfriend is not your minor child’s father. Even if your boyfriend were your adult son’s father, your boyfriend income and assets would not affect your adult son’s benefits because they are based only on his own income and assets.

        Sincerely,
        Kay

        • Sherry

          Thank you so much Kay I just wanted to tell you I went to ssi today and everything worked out!!!! So thank you and God bless you for the kindess of your help that we all so desperately need!!!!!! Your a godsend!!! Thanks again

          • Kay Derochie

            You are welcome, Sherry.

  • Jessica

    My son receives ssi benefits for epilepsy. My husband has returned to work my question is Can my husbands income affect my sons benefits since he is NOT his biological father? I keep getting told that it does not matter as long as I am married to him he will be considered his father.

    • Kay Derochie

      Dear Jessica,

      The income of a stepparent who lives in the same household as a disabled child is considered in determining the child’s financial eligibility for Supplemental Security Income (SSI).

      Sincerely,
      Kay

  • rose

    Hello, my father was diagnosed with cirrhosis stage 4, he receives $600 SS for retirement and Medicare is deducted from there. My mom makes wages of $1770/month gross ( no retirement) because of my dad’s medical condition he is not able to continue to work on a little store he had hence he is not able to supplement his income, so far they closed down the store. Could they apply for ssi and Medicaid ? They own their own house, no other real estate/property, mom has a financed vehicle that still pays for, this vehicle is valued at $5000 still owes $4000, dad has an old car that is valued at about $4000 but this car will be sold soon because he can no longer drive and needs the extra cash., what worries me the most is that medical expenses are starting to pile up. Any guidance you can provide will be greatly appreciated. Thank you

    • Kay Derochie

      Dear Rose,

      Your parents are close to the income limit for a small amount of SSI (and Medicaid) for your father, assuming your mother is under age sixty-five. I suggest that your father file an SSI application to get a formal assessment of eligibility based on income.

      The resource limit is $3,000 countable resources. The $4,000 car will be excluded as the more valuable vehicle as long as he has it. The $1,000 equity in the other car will count toward the $3,000 limit. The home they live in is excluded.

      Financial eligibility for SSI is calculated on a month-by-month basis. Once the car is sold, the $4,000 will count as a resource the following month if they still have the cash at that point. They could use the proceeds from the car sale to pay off the other car in the same month as the first car was sold. The remaining car would be excluded and the sale of the car would not affect eligibility. Or if enough of the money from the sale was used for some other basic need or medical bills to drop them below $3,000 in total assets, cash from the sale of the car won’t affect eligibility beginning with the month assets are below $3,000.

      Sincerely,
      Kay

      • rose

        Thank you for your prompt response.
        If I understand correctly even if my father qualifies for a small amount of ssi payment he will qualify for medicaid in other words ssi always comes with medicaid regardless of the amount of ssi payment, right?

        Please let me know if my calculation is correct:
        600-20=580 dad’s unearned income
        (1770-65)/2=852.5 mom’s earned income
        1100-580-852.5=-332.5 does this mean that they don’t qualify for ssi because they are 332.5 over the maximum?I would like to be familiar with the formula to make my own calculations as I just realized that my mom’s income will start to drop as she spends more time caring for my father. Mom is under 65 yrs old.
        They are in FL
        Please let me know. I look forward to hear from you. Thanks
        Regards,

        • Kay Derochie

          Dear Rose,

          Social Security will first calculate treating your mother as an ineligible spouse, which she is. That calculation results in too much income for your father to be eligible. Accordingly, Social Security would then move to a second calculation, treating your parents as an eligible couple to see if the calculation would be more favorable. That is the calculation you used in your post. Your calculation is correct; your parents income exceeds the SSI payment limits. Your mother’s work income would have to go down by $666 gross earnings for your father to qualify for $1 SSI. In most states, $1 of Supplemental Security Income (SSI) will qualify an SSI recipient for Medicaid.

          You might contact Florida social services to see whether Florida has a Medicaid “spend down” program and, if so, whether your father would qualify for it.

          Sincerely,
          Kay

  • Lisa

    Hello,

    My husband and I have been separated for 6 years. He is very ill right now and we are considering getting back together, since he needs care, and I live with my daughter. I receive 1033.00 in SSD. He receives 733 in SSI. How will his SSI be affected if we do decide to get back together? I appreciate your help.

    • Kay Derochie

      Dear Lisa,

      You and your husband will be treated as an eligible couple for SSI purposes if you live in the same household. If the $1033 is your gross benefit before reduction for taxes or Medicare premium, the two of you together will be eligible for $117 SSI, which will be split and paid out as $58.70 to each of you.

      Sincerely,
      Kay

      Sincerely,
      Kay

  • Christina

    Hello, My son has autism(non-verbal) and adhd I also have a non disabled child too. We have already got put though pa loophole for medical benefits. His father(my fiance) makes about 3,200(before taxes) and I currently work and make about 800(before taxes) but right now it is hard for me to keep this job due to them giving me a hard time about doctor/therapy appointments. Should we wait to see if I can keep this job to apply or apply now?

    • Kay Derochie

      Dear Christina,

      The current income limit for Supplemental Security Income for two parents and one non-disabled child is $4,158. If your exact earnings are below that amount and you do not also have unearned income, you can apply now. (If either of you is paying child support for a child not in the home, the earnings limit is higher.)

      Sincerely,
      Kay

      • Christina

        Ok thank you for the fast answer. Today I just had to leave my job due to my son having a hard time transitioning with me not being at home. We are applying this week this is something we should have done awhile ago but just never did. Thank you again.

        • Kay Derochie

          You are welcome, Christina.

  • Disabled girlfriend

    Hi, I have been disabled from a brain tumor since 09/2014 and just applied for disability this month. In filling out the paperwork now it’s asking me to disclose my relationship with the person I live with. Although he is my boyfriend, I pay half of all our expenses and have a loan statement signed by us both for some money I borrowed at the end of the last year. Should I be disclosing “roommate/boyfriend” on these forms? I don’t want to lie but I also don’t think my sexual relationship with him is relevant to my financial (and physical) condition. Please advise on the legal and smart way to proceed – we are in WA state. Thank you!!

    • Kay Derochie

      Dear Disabled Girlfriend,

      Because it does not matter whether you live with a “roommate” and “boyfriend,” it does not matter which you say. You are not married, so his income and assets don’t affect your claim. What does matter is that your are splitting expenses equally so that he is not supporting you. The bonafide loan should not count as income.

      Sincerely,
      Kay

  • Deb E.

    My 13 month old was just diagnosed with down syndrome and I was told I may be eligible for ssi for him. I make about 2038 before taxes and live with my boyfriend we also have another child a 3 yr old and he makes about 1900 before taxes he also gets VA benefits of 1172 a month not sure if that is included in earned income or not

    • Kay Derochie

      Dear Deb,

      If your boyfriend is the father or your disabled child, his income will be counted in determining your child’s financial eligibility for SSI. If he is not that child’s father, his income will not be considered. If both incomes are countable, then the family is close to the income limit, but not over. I suggest that you file an application for your child and provide documentation of your exact income to get a determination of financial eligibility.

      Sincerely,
      Kay

      • Deborah E

        Ok thank you, what is the income limit for a household of 4?

        • Kay Derochie

          Dear Deborah,

          Because your boyfriend’s income is not considered, you are a family of three. If all your income is from work and the children don’t have income, the limit for at least $1 in benefits (usually accompanied by Medicaid) is $3,424.

          Sincerely,
          Kay

  • asan

    i have been recently approved for ssi,my question is can i work and still be eligible

    • Kay Derochie

      Dear Asan,

      With a few exceptions, the first $65 gross earnings ($85 if you have no other income) and half of the excess above $65 counts to reduce your SSI benefit. For example, if you earn $800 gross per month and have no other income, your SSI benefit will be reduced by $357.50 ($800-85 / 2 = $357.50). You can read about SSI work incentives in the Red Book, which is available from local Social Security offices or online at http://www.ssa.gov.

      Sincerely,
      Kay

      • Nin

        Hi Kay I Have A Quick Question? My child was approved medically for ssi for his speech. I made about 2400 for two months and now I make about 1800 a month. Wht would his checks be. I’m a single parent with no other kids. I pay 605 rent. And have one car valued about 3500. So how much will be cut from his check?

        • Kay Derochie

          Dear Nin,

          Your income affects your child’s SSI benefit two months later except if the earnings are above the limit. If you report your earnings each month by the 10th of the following month, you should be able to avoid overpayments. Your earnings of $2,400 will result in a benefit of about $309 if you and your child have no other income. Earnings of $1,800 will result in a benefit of about $674.

          Sincerely,
          Kay

          • Nin

            Thank you Kay

            • Kay Derochie

              You are welcome, Nin.

  • Darren

    Dear Kay I just got approved for ssi I’m 34 I’m married my wife groses about 2200 a month and we have 3 children all under 18 and no income or child support I have no income and
    Our mortgage is 820 a month when own one car valued at 2,200 and lease another please tell me how this works .

    • Kay Derochie

      Der Darren,

      You should be within the Supplemental Security Income resource limit unless you and your have liquid assets of more than $3,000. (The leased car should not be counted as a resource because you don’t own it and one car and a home you live in are excluded.) With income allotments for your three children and your wife, your wife’s earnings should not reduce your SSI payment, which should be $733.

      Sincerely,
      Kay

      • Tag

        Hello, I receive $733 of SSI but it got reduced to $647 because in my previous apartment my mother in law was helping with $150 a month so they said I owed them from the unearned income. However my living are different now. She no longer helps, I have 2 minor children and I’m married, my husband makes about $600 a month and I also receive TANF of $235 a month, will this affect my ssi amount?

        • Kay Derochie

          Dear Tag,

          You need to report your marriage and your husband’s income and the TANF. The TANF is not countable income. Your husband’s earnings are currently low enough that they will not affect your SSI. You need to report if his income increases.

          Sincerely,
          Kay

  • Tosha

    My daughter recently married a man that has been deemed totally disabled from birth and she works and brings home @ $1230 bi weekly. She wants to resign from her job and relocate to Florida and find employment there and she is wondering how this will affect his disability income and will it change his eligibility??????

    • Kay Derochie

      Dear Tosha,

      Moving to Florida in and of itself will not affect your son-in-law’s Supplemental Security Income (SSI) federal payment amount. Depending on the state lives in now, he could see an increase or decrease in the amount of an SSI state supplement. If his wife’s wages increase or decrease or if in the move he gets free housing, that could affect payment amount.

      Sincerely,
      Kay

  • Helena

    My husband grosses around $1300 per a month. I am unable to work and would like to apply for SSI. How much would my SSI payment be if I were approved? We have no children.

    Thank you.

    • Kay Derochie

      Dear Helena,

      I calculate that your SSI benefit would be about $585, and in most states you would be eligible for Medicaid.

      Sincerely,
      Kay

  • DENISE

    HI wondering if my gross income will my daughter ssi financial assitance, I make 2641 gross and I am single, and she gets 341.00 in child support but its not consistant each month how can I figure out how much she will qualify for once she gets her medical determination.

    • Kay Derochie

      Dear Denise,

      Assuming you do not have other children, your work income and your daughter’s child support in months it is received is enough to make her ineligible for benefits; so if she is medically approved, she will get benefits only in months that the child support doesn’t come through. If she receives child support and is ineligible for twelve months in a row, you will have to file a new claim for her to restart benefits. Otherwise, you only need to report the changes in income when they occur. You can review the calculation formula in the article “What Are Deemed Income and Resources and How Do They Affect an SSI Application for Children?” under the SSI tab on the navigation bar at the top of this web page.

      Sincerely,
      Kay

  • Tracy

    Hi,

    I receive SSI benefits for my son, Who has Autism. My Gross is about 1,988. Recently i received $1.00 raise but with the added Therapy 5 days a week my Gross did not change much the highest $2040 or still $1,988. Then after going thru a custody battle with my child’s father the judge awarded me $640 per month in child support, do you think we will lose the SSI benefits?

    • Kay Derochie

      Dear Tracy,

      The child support combined with your work earnings appears to make your child ineligible for SSI. That may have been true even if you had not gotten the raise. You need to report both the child support and the raise as soon as possible. If SSI and Medicaid are lost, your child may be eligible for insurance under the Children’s Health Insurance Program (CHIP). More information is available at http://www.healthcare.gov.

      Sincerely,
      Kay

  • 79 floyd street, Ms. Kay I live from son to son and stay a short bit of time just to have shelter, one of my son’s has a garage next to his house where I live temporarily till I can see if I can get my ssi I have nothing but my clothes, food stamps, and a company called Kindness to take me to my Dr. Appointments and my sister is depositing $300.00 per month into my account for my personal stuff that will not be paid for by food stamps. I rely on no one to help me I get my own food, no vehicle to go on how will this affect my ssi

    • Kay Derochie

      Dear Tonya,

      If you are approved, the maximum SSI amount will be reduced by the fair market value (FMV) of the shelter you receive (up to a maximum of $244. If the garage is not rentable, then you may be able to assert that in the months that you are there for full months your benefit should not be reduced because the garage has no FMV for shelter. The $300 your sister gives you will reduce your SSI by $280.

      Sincerely,
      Kay

  • Sierra Lambert

    My husband gets about $1700 a month and me and my son both get ssi will our benefits be taken away

    • Kay Derochie

      Dear Sierra,

      You and your son will not lose your Supplemental Security Income (SSI) benefits. Your SSI will be reduced somewhat; your son’s should stay the same. Your reduction will begin two months after your husband’s first pay check so report the new income right away to avoid overpayment.

      Sincerely,
      Kay

  • Patricia

    My question is I just got a promotion at work make at least 2000 a month my son have seizure and asthma and I also have a two year old if I take the promotion will his check get cut down reply please

    • Kay Derochie

      Dear Patricia,

      With one non-disabled child, your promotion will not reduce your disabled child’s SSI, assuming that your work earnings are the family’s only income.

      Sincerely,
      Kay

      • Patricia

        Yes that’s our only family income thank u for responding

        • Kay Derochie

          You are welcome, Patricia.

  • Linda

    Hi, my husband has applied fir ssi. I work and gross approximately 2000 per month net 1260 per month after deductions and paying insurance on my husband. Hardly enough to live on. We lost our house and car almost a year ago.The lady that did his phone interview today said she thought I made to much money and he may not be eligible. From reading your replies it seems you know what your talking about. Maybe you can enlighten me. What di you think. Please rply to my email as I may not ge able to find this sight again linpier66@yahoo.com thank you
    Sincerely
    Linda

    • Kay Derochie

      Dear Linda,

      I am sorry that I cannot respond by email; I answer questions only on this site. If you and he have no other income, I calculate that your husband to be eligible for about $153 a month Supplemental Security Income (SSI) and probably Medicaid. He would not be eligible treating you as an ineligible spouse; however, when that is the case, then a second calculation is done using the eligible couple calculation. In your case that would be as follows:

      $1,100 SSI couple rate
      – 957 countable earned income*
      = 153 payable

      *$2,000 – 85 excludable = $1915 / 2 = $957 countable earned income

      I suggest that your husband file a formal appeal. Also, he should check to see if his Social Security claim is in the process of undergoing a medical review.

      Sincerely,
      Kay

  • Adrian

    Hello. I am a 26 year old who just got approved for ssi. I live with my mother who pays for all my expenses food shelter etc at the moment. i was wondering what will be the maximum amount you think i will be getting? I plan to save up for a car, get a job and help start paying bills around here. Will that make my ssi pay go up? Also, what is the most you can make from a job while still being on ssi? I want to get my life started again. Thanks in advance.

    • Kay Derochie

      Dear Adrian,

      Given that your mother is providing your food and shelter, you are likely to receive $488 a month. When you start to have Supplemental Security Income (SSI) benefits, you may have enough income (especially after receiving back pay) to pay your share of rent or mortgage and property tax (and property insurance if required by the lender) and shelter utilities (heat, power, water/sewer and garbage) and food. Your share is the total of those expenses divided by the number of people in the household. Once you start paying your share, your benefit can go up to $733 two months later, so you need to have enough back pay to pay your share for two months.

      If you work while still being disabled, the first $65 ($85 if you have no other income) is excluded as well as half of the excess above $65. The remainder counts to reduce the SSI benefit. If you earn as much as $1,130 gross, it may be determined that you are no longer disabled. You can learn more about SSI return-to-work incentives in the Red Book, which can be obtained from a local Social Security office or online at http://www.ssa.gov.

      Sincerely,
      Kay

  • Jessie

    Dear Ms. Derochie,

    Thank you for your time in helping answer questions and provide great resources. My mom is applying for SSI and next year, I will receive an inheritance to help pay for graduate school and next year will be applying to graduate programs. I will not use the inherited funds until graduate school and will use them entirely to pay for tuition. Also, while applying to graduate programs, I plan on working and saving up a large portion of my income for graduate school. I am 25 right now and am living with my mom. I really enjoy living with her and being able to help her out in our home but will move out as soon as possible if it will affect her possibility of getting SSI since I won’t be much help during graduate school. Please let me know if my future assets (>10k) and income(>30k) will affect her SSI. I also found this article, https://secure.ssa.gov/poms.nsf/lnx/0501310115, I think section 5B applies to my case? Thanks again for your valuable time.

    Best,

    Jessie

    • Kay Derochie

      Dear Jessie,

      Your income and assets do not affect your mother’s eligibility for Supplemental Security Income (SSI). If you pay more than your share of shelter and food expenses, your excess contribution would count as income to her and will reduce her benefits.

      Sincerely,
      Kay

  • Richard W Normand

    Hi my fiance gets ssi disability at 720 a month my gross income is around 2400 or 2600 no kids if we get married will it affect her ssi benefits?

    • Richard W Normand

      Not to mention my net I’d arrond 1600 a month we heavily rely on her ssi check

    • Kay Derochie

      Dear Richard,

      In months that your gross income is $2,600, your wife’s benefits would be reduced by about $460. In months it was $2,400, the reduction would be about $560.

      Sincerely,
      Kay

  • tonya

    My husband gets SSI we have 4 kids and i make about 2980 per month will he be cut off now that we are married?

    • Kay Derochie

      Dear Tonya,

      If your children do not have income and your $2,980 is gross, your husband’s SSI will not be reduced. He does, however, need to report your marriage and income.

      Sincerely,
      Kay

  • Raymond banuelos

    Hi my names Raymond and I wanted information about my moms ssi. She’s receiving SSI benefits and i started working for her as a ihss provider and I live with her, I wanted to know if my IHSS income would affect my moms SSI benefits.

    • Kay Derochie

      Dear Raymond,

      If the money is being paid to you as wages and not to her, it will not affect your mother’s Supplemental Security Income (SSI). If you start to pay some of the shelter or food costs you will affect her benefits only if you pay more than your share. Your share is the total of shelter and food expenses divided by the number of people in the household.

      Sincerely,
      Kay

  • Donna Frascati

    Dear Ms. Kay,
    My son is adopted and I receive an adoption subsidy for him since he was 1 because he has disabilities. He is now 20 and finally approved for SSI, and we went to give them information so he could start getting his money, they have now told us he is denied because I receive a subsidy for him every month until he is 21. I receive 1301.00 a month and have for years from DCFS, in Illinois. SS is telling me that is his income but the check is in my name. Can you tell me if they can do this? Please I have spent 2 1/2 years on this, 6000.00 with a lawyer to get him approved and now they tell me the subsidy is his income. PLEASE HELP ME!!!

    • Kay Derochie

      Dear Donna,

      My limited research indicates that the adoption assistance is your son’s income under SSI rules and it is countable unearned income. You can read about this at https://secure.ssa.gov/poms.nsf/lnx/0500830415. Usually attorney agreements are 25% of back pay up to $6,000, so it may be possible that you are not liable for $6,000 attorney fees because no back benefits are payable. \

      If your son is going to be 21 in less than twelve months after the income denial, there is a possibility that you will not have to reapply for him, but just present proof that the assistance has stopped and request payment to begin. If that is not possible because of the lengthy period of time he was ineligible (age eighteen to now), when you reapply for your son, be sure to list on the application that he was medically approved only about a year before and ask to have that decision considered. If is was a hearing decision, submit a copy of the judge’s letter.

      Sincerely,
      Kay

  • Stephanie Gibbs

    My boyfriend receives ssi benefits which are in my name for him ($733). We have a child together as well. I am a stay at home mom with no income. We all receive food stamps and medicaid. If me and our daughter were to move in with him would this affect his ssi as he will be the only one paying the bills?

    • Kay Derochie

      Dear Stephanie,

      Your living together will not affect your boyfriend’s Supplemental Security Income (SSI) payments as long as you do not pay more than one-third of the rent and shelter utilities (and food if you start to share food).

      Sincerely,
      Kay

      • Stephanie Gibbs

        Our food stamps are for all 3 of us. Being a family we would cook together. So that could possibly change his amount? I would not be paying any bills, it would be only him.

        • Kay Derochie

          Dear Stephanie,

          Food stamps do not affect SSI payment amount.

          Sincerely,
          Kay

          • Stephanie Gibbs

            Ok, thank you so much for all your help!

            • Kay Derochie

              You are welcome, Nicole.

  • Concerned Mom

    Ms Kay,
    I appreciate your responses on this page. You are a very helpful resource!

    I would like to ask you about our situation. I am married and stay at home; however, my husband grosses around $3,250 per month. We have two children, so there are four of us total. I am considering applying for SSI for one of our children. I am not sure it would be worth our effort though. There is no other income. We have two vehicles. One owned (worth around 6,500). One new vehicle leased. Rent 641.
    Thank you!

    • Kay Derochie

      Dear Concerned Mom,

      Your family income would allow a payment of about $630 if your family does not have excess resources. The resource limit is $3,000 for you and your husband. Any excess counts toward your child’s $2,000 limit. One car is excluded and I believe that the leased car will not count because you do not own it, but you should double check with Social Security.

      Sincerely,
      Kay

      • christina choate

        I have a husband that is disabled because of bypolar .and physical car issues he has a court date coming up for disability. And I make about 1900 monthly in gross and he doesn’t make none ,we have no kids together under our roof UT he is court ordered to pay 800 monthly for 4 kids ,will he still qualify for ssi

        • Kay Derochie

          Dear Christina,

          Your husband qualifies financially for Supplemental Security Income (SSI). SSI benefits are not garnished for past-due child support. If your husband is also eligible for Social Security Disability (SSDI), part of his SSDI can be garnished for the child support.

          Sincerely,
          Kay

    • Concerned Mom

      Thank you so much. Would “Dyslexia” and “ADD/ADHD” diagnosis’ qualify a six year old?

      • Kay Derochie

        Dear Concerned Mom,

        Whether or not dyslexia and attention deficit and hyperactivity disorder is considered disabling for a six-year-old depends on how severe the conditions are.

        Sincerely,
        Kay

  • Savannah

    I have a 2 year old with Down syndrome who receives ssi $733 a month. I’m a single mom and pay $350 rent. If I start working and making about $1500 a month will my son stop getting ssi?

    • Savannah

      I’m sorry it’s $250 a month.

    • Kay Derochie

      Dear Savannah,

      Your son’s Supplemental Security Income (SSI) payments will not be affected by gross work earnings of $1,500.

      Sincerely,
      Kay

      • Kay Derochie

        Dear Savannah,

        Please see my response of a few minutes ago to your first message. The amount of your rent does not affect your son’s benefits.

        Sincerely,
        Kay

    • Jess

      Thank you

      • Kay Derochie

        You are welcome, Jess.

  • david salemi

    I qualified for ssi after a bad car accident and needed many surgeries. Im 37 and cant work. I got a little money ftom the accident which put me over the income limit. Is there a trust or a way legally to get the money outta my account so i can start receiving my benifits. Im trying to buy my first house and need the income to qualify.can i pay a “loan” off to my mom or something.any advice would help

    • Kay Derochie

      Dear David,

      First, note that if you have worked, you may have enough work credits to quality for Social Security Disability (SSDI), which does not have a resource limit.

      With regard to Supplemental Security Income (SSI), is there an option of using the money to pay a larger down payment on the house,which would also have the benefit of reducing your payments. If you live in the home, it will be excluded and not counted toward the SSI resource limit. If you put the money out of your control into a trust, it may be treated as uncompensated disposal of funds, which could bar you from receiving SSI benefits for a length of time. As far as giving your mother money, for it to be treated as a bona fide loan payment you would need to present evidence that you had a bona fide loan that you had to repay.

      Sincerely,
      Kay

  • Charm

    Hi,

    If my friend receives $733 in SSI benefits and marries someone who makes $2,800 gross and $1,900 net. Will she still qualify for SSI?….There would be 4 children (1 hers, 3 step children) in the home (all under 18 and not working). One step child gets survivor benefits from her working deceased mother in the amount of $844. Two of the other step children receive a combined $170 in child support (not a piece, COMBINED) from their mother.

    I tried to search online for calculators, but with no luck. She is trying to determine if marrying is the right choice.

    • Kay Derochie

      Dear Charm,

      I estimate that if your friend marries with family income as you describe above, her Supplemental Security Income (SSI) will not be reduced. You can find a formula in the article “What Are Deemed Income and Resources and How Do They Affect an SSI Application for Children?”, which can be found under the SSI” tab on the navigation bar at the top of this web page.

      Sincerely,
      Kay

  • TS mom

    Hi I have two sons both have Tourette’s Syndrome one has severe ADHD and OCD along with behavioral issues that require my full time attention. Which is why have been a stay at home mom for the last 9 years. My husband makes gross $ 6100 month but we have 401k and insurance taken out plus union dues. Would my boys be elgible for SSI disability income? Also are they eligible for any medical assistance?

    • Kay Derochie

      Dear TS Mom,

      Your husband’s income is substantially over the SSI income limits for two disabled children and no other minor children in the household.

      Sincerely,
      Kay

  • Michelle David

    My daughter is 21yrs old and receives ssi! If I where to get married will it affect her ssi? She only receives 200 something because she get child support until June of this year. I know it will affect my ssi.

    • Kay Derochie

      Dear Michelle,

      Now that your daughter is no longer a minor, your income and marital status does not affect her Supplemental Security Income (SSI.)

      Sincerely,
      Kay

  • Jazmin

    Hi I was wondering. I have been applying for SSD and SSI. How would a marriage affect my SSI if my boyfriend makes about 1200 a month and move in with him? Would I still get SSI and SSD?

    • Kay Derochie

      Dear Jazmin,

      Marriage will not affect your claim for Social Security Disability (SSD) benefits. If you are approved for SSD, it is likely that your husband’s earnings together with the SSD would make you ineligible for Supplemental Security Income (SSI).

      Sincerely,
      Kay

  • Tania

    Hello,
    Can you please tell me if I can get SSI? I am disabled from birth with a genetic disease. I am 35 female and married for 7 years, no kids. I have no job and never worked. My husband has a part time job for $2172 (before taxes) per month ,and also he has $ 1633 (before taxes) in disability annuity from his former job (not related with Social Security), he also has some over $5000 in the bank.
    If I do not qualify for SSI, can you please tell me if I am eligible for SSDI based on my husband credits? He has 37 credits, he is 40. As I mentioned, we are married for 7 years, I am 35 years old, and we have no children.
    Thank you very much.

    • Kay Derochie

      Dear Tania,

      Your family income is substantially higher than the Supplemental Security Income (SSI) income limits and your assets exceed the $3,000 countable asset limit, so you are not eligible for SSI.

      You can not receive Social Security benefits on your husband’s earnings record until he receives benefits. When he retires based on age or if he were to become disabled as defined by Social Security and draw benefits, at that time you could draw benefits if you are either age sixty-two or have a child of his under age sixteen in your care. Should he die before you, you could can apply for survivor benefits as a disabled widow at age fifty.

      Sincerely,
      Kay

  • Amanda

    Both of my daughters receive ssi for a disability and receive about 730 a month. I just got approved to become a certified family home through the state and I will get payed 50 dollars a day to care for an elderly family member who lives in our home but pays all their own bills. My husband is undocumented and does not work and we have another child who does not have income.
    we have 1 car that we are leasing and a we have a home and our mortgage is around 600 a month.
    My daughters pay for their own portion of the rent and their own food.
    will their income of 1460 change with my income of 1500 a month

    • Kay Derochie

      Dear Amanda,

      Your post does not include a question. I am guessing that you want to know whether your income will affect your children’s Supplemental Security Income (SSI) payment amount. In longest months (31 days) your gross income will be $1,550. With another non-disabled minor child in the household, your wages are not high enough to affect your disabled children’s SSI.

      Sincerely,
      Kay

  • Miriam Halley

    I have a 19 year old daughter who had leukemia and is in remission. She had been left with osteoperosis and necrosis in the hips knees and shoulders . she currently gets ssi while here off her track of college in california right now it is 889. we qualify for full fasfa for her as a student . she will be getting married in march 2016 and her new husbands income will be 1300 a month. He will be working and attending college full time as will she. will she still qualify for her 725 ssi and medicaid in idaho after she returns ?challange is his parents have income that they give him for college monthly. just trying to figure this out so she will know income and medical wise. thanks.

    • Kay Derochie

      Dear Miriam,

      An SSI recipient under age twenty-two who is student can earn up to $7,180 a year and not have any of it count as long as no single month exceeds $1,780. So, first, I suggest that your daughter check with the Social Security Administration to find out whether the Student Earned Income Exclusion applies to spouse’s of SSI recipients. If it does not, the first $65 of his earnings is excluded and half of the excess.

      Any money your future son-in-law’s parents give him will count as income with only a $20 exclusion. If, on the other hand, they pay for anything other than food and rent and shelter utilities directly to the provider, those payments will not count. For example, they could pay their son’s cell phone or Internet service or buy him bus tickets or fill up his gas tank or pay for school books directly without giving him money and the assistance would not affect your daughter’s SSI.

      If her and her husband’s only income other than potentially excluded scholarships, grants, or student loans, and non-shelter and non-food items paid for directly by her parents-in-law, is her husband’s earnings, her SSI federal payment will be about $509.

      If they have enough income from other sources that together with her husband’s work earnings, she is ineligible for SSI and the associated Medicaid, they can apply for health insurance under the Affordable Care Act (Obamacare) possibly with a government subsidy for part of the premiums. More information is available at http://www.healthcare.gov.

      Sincerely,
      Kay

  • Monica

    My disabled son is 18. His father and I are in the middle of a divorce. We’ve got his SSI application in progress. We all live in California.

    My ex husband doesn’t want to pay adult child support. He was paying $720 a month until our son turned 18. My ex says SSI will be more than he was paying in child support. However, now that our son is an adult, his living needs are greater.

    I have to charge him $500 rent(including utilities) and charge him for food, supplements, entertainment, etc. our son’s standard of living requires at the very least $1100 a month.

    How can our son receive adult child support and still qualify for SSI? I was told to get an ABLE account, but they are not up and running in California for another year.

    • Kay Derochie

      Dear Monica,

      As far as I know, all but $20 of any child support that is paid for your son will reduce the maximum SSI payment. The maximum federal amount is $733 and the maximum federal and California SSI state supplement combined is $889.40. The advantage of your son’s father continuing to pay child support until SSI is approved and his back pay has been paid is that your son will be able to pay for his housing and food in your home with the child support and then the back pay and not have a reduction for your providing those for him. Once the SSI starts and he has gotten his back pay so he can continue to afford to pay for his housing and food, his father can stop the child support resulting in your son’s SSI being increased two months later.

      Sincerely,
      Kay

    • Richard

      I am on Ss retirement and am going to adopt my step dtr, will my wife s income effect my payment or getting benefit for my dtr.

      • Kay Derochie

        Dear Richard,

        If you are receiving Social Security Retirement, your adopted stepdaughter may be eligible for dependent benefits on your earnings record and your wife’s income will not affect your benefits or those of your adopted daughter.

        You posted your question on a Supplemental Security Income (SSI) article. If you receive SSI because you are age sixty-five or older and your wife lives with you, her income is considered in determining your SSI payment amount.

        Sincerely,
        Kay

  • Monica

    I just had a baby and am not working. I am a stay at home mom. I have two sons, one of them was diagnosed with a learning disability & has suffered depression for over 5 years. My bf brings home $600.00 a week. Would I qualify for Disability for my child and how much?

    • Kay Derochie

      Dear Monica,

      If your child is disabled and your boyfriend is not his father, your boyfriend’s income will not be considered in determining your son’s payment amount.

      Sincerely,
      Kay

      • Angie

        I just applied for disability benefits for my kids, and they counted my boyfriend’s income, which disqualified them. He lives with us but is not their father. Were they not supposed to include his income?

        • Kay Derochie

          Dear Angie,

          You should appeal. Your boyfriend is not your children’s stepfather and his income should not be counted.

          Sincerely,
          Kay

  • LISA

    Hi. My mom receives 1100 from ssi monthly. I would like to pay her weekly to babysit my 2 children while I’m at work. What’s the most she can earn on the side, without having to report to SSI?

    • Kay Derochie

      Dear Lisa,

      If your mother receives SSI (Supplemental Security Income) and is receiving $1,100 she is receiving it for both her and her husband. The first $65 ($85 if she has no other income) is not counted; half of the excess is used to reduce her SSI. For example, if your paid her $400 a month, her and her husband’s combined SSI would go down by $157.50. On the other hand, if your mother is receiving $1,100 in Social Security Disability benefits (SSDI), her benefits will not be reduced for work earnings and her work will not affect her eligibility if she earns less than $1,090 a month gross. You and she can learn more about Social Security work incentives in the Red Book, which is available at local Social Security offices or can be viewed online at http://www.ssa.gov. You should pay her by check so she has some proof of her earnings month by month to show how much is being earned in any given month.

      Sincerely,
      Kay

      Sincerely,
      Kay

    • james

      I just got approved for my daughter ssi, they told me to come in the office and update my information before payment can be issue, what does that mean? I also would like to know or estimate how much I would receive if my wife and I Make 3200 after tax a month with 4 kids total 6 people in the house. Thank you

      • james

        I forgot our rent is 1060 a month

      • Kay Derochie

        Dear James,

        The appointment is to review your family’s income and assets since the claim was filed to determine your daughter’s monthly SSI payment amount for each of those months.

        Benefits are calculated on gross earnings. If you would like to give me the amount of your and your wife’s gross and let me know if any of the children have income, I will give you an estimate.

        Sincerely,
        Kay

        • vita tyler

          Hi my son was just approved as well. My gross income is $3200 and I have 2 other children in my home. My rent is 853. Do you expect that I will receive a payment? Approx. How much?

          • Kay Derochie

            Dear Vita,

            Based on the information you have provided, I estimate your son will be eligible for about $293.

            Sincerely,
            Kay

        • wendy

          Hi, I need some help. I receive SSI and my husband works. I receive $500 a month in child support and my husband is about to get a raise at his job. His total gross income will be $2100 a month. I really need help to figure out how much SSI I will receive. I now his income will affect my monthly payments but I don’t know how to figure out how much I will receive in SSI each month. Can you please help me out so I know how much to expect each month.thanks

          • Kay Derochie

            Dear Wendy,

            The child support is your child’s income and not yours. It will affect your financial eligibility indirectly. Assuming that the child support is for one child, no exclusion of your husband’s income will be made for the support of that child. If you and your husband have no other minor children in the household and he is not paying child support, I estimate your SSI will be about $524.

            Sincerely,
            Kay

    • james

      My gross is 2000 a month and my wife is 1500 a month and my 4 girls are all under 10

      • Kay Derochie

        Dear James,

        I estimate that your child will be eligible for $733 a month if you and your wife are paying all the family’s shelter costs and food.

        Sincerely,
        Kay

        • james

          Thank you so much, you are a big help to me and the community!!

          • Kay Derochie

            You are welcome, James.

  • Rae A Snyder

    I live in Massachusetts and I just applied for my son he has ADHD, is on the Autistic Spectrum and has panic and anxiety issues, my husband makes 3200 a mo gross and I get 133.00 for child support for my 16 yr old from a previous marriage. Our rent is 868.00 a month if approved what will our son’s benefits be if excepted?

    • Kay Derochie

      Dear Rae,

      I estimate your child’s benefit would be about $160.

      Sincerely,
      Kay

  • Danielle

    My husband works for a property management company that owns and manages a HUD subsidized apartment complex. He makes $1614/month, salary. We also live on site rent free. We have to do the yearly recertification paperwork so his employer can receive the monthly subsidy for our apartment. If we paid rent, we would pay $297 based on his income. The contract rent for our apartment is $988. When SSA calculated my SSI monthly amount, they took the 988 and divided it by the 5 people in our household. Then deducted that from the individual rate to come up with my monthly amount. Does that seem correct? The free rent is technically part of his salary. Any help is appreciated. Thanks

    • Kay Derochie

      Dear Danielle,

      You will have to check this, but I think that the IRS does not tax the value of the housing even though it is earned when an employee is required to live on site. As such the housing is likely to be treated as free unearned income by Social Security.

      Sincerely,
      Kay

  • Edward Mergenthal

    Hi i am in a same sex marriage i make about 1994 dollars a month and my husband is disabled and has no income. I pay $200 a month to my ex wife in child support for my one child. What can i expect my husbands ssi payment to be approximately. I have been trying to figure out what what. we rent an apartment for 800 a month and only have one car.

    • Kay Derochie

      Dear Edward,

      I estimate that your spouse’s Supplemental Security Income (SSI) benefit would be about $445.

      Sincerely,
      Kay

  • Mrs. Concerned

    Our household consists of 4 members, Husband (SSI) he is disabled and under 65, young Wife, stepson 4, and son 2.

    On our last visit to the office, we realized that since our summer wedding last year, the stepson had not been added as a dependent child (i cant quite remember the correct term) but he was listed as an “other relative”. By adding him on as a stepson, we went back to the full amount of 733, (except for the weeks i get 5 paydays in a month, then it goes down to $600+ something i think).

    i come to find out yesterday that we will be receiving a first child support check from my ex-husband thru the dept of revenue. my concern is that my husband’s SSI will decrease again, now that the stepson has income in the form of child support. (i have tried making sense with the link you suggest about “what are deemed income” but it is still unclear)

    i get paid weekly $316 after taxes ($350 before). and my husband has no other income besides his SSI. how will the child support payment of $323 affect my husband’s allotted monthly amount that was given once my son became listed a week ago as a stepson and not other relative? how does it calculate into the ssi determination? what calculation is used?

    Thank you so much, im nervous that in gaining the much needed child support that we will lose some SSI and still be in the same boat as we always have, barely keeping afloat. I hope you will tell me that nothing will change and that child support can help us support the child, and my husband’s responsibility as guardian and supporter doesn’t get taken away by means of having less to help support the entire family.

    or will the child support amount decrease because part of it is being supplied by the stepfather in the monthly ssi allowance as a dependent stepson?

    i hope i was clear. i have alot of questions, but you seem to be able to break it all down in clear terms from suggestions you have given others.

    please help!

    • Kay Derochie

      Dear Concerned Mom,

      The $323 child support will reduce the $369 allocation of your income for that child’s support to $46. Stated another way, your husband’s SSI will go back to what it was before adding the stepchild plus about $46. The calculation of the SSI payment considering the stepchild should not have any effect on the child support payments.

      Sincerely,
      Kay

    • Autism mommy

      My son was diagnosed with Autism. He is a minor. I have another minor child who is not disabled. I stay at home with my son due to all the therapy he’s in. My husband brings home 3000 a month. We own our home and we have two car payments which we owe more than they are worth on. We have no other assets. Would he qualify?

      • Kay Derochie

        Dear Autism Mommy,

        Please provide your husband’s gross income (not take-home) so that I can respond.

        Thank you,
        Kay

    • laresha johnson

      OK I just got married my husband make 350 after taxes take there out 6kids 1:get ssi another one get child support I get 198 of child support will that decreases my son ssi

      • Kay Derochie

        Dear Laresha,

        If you have a question and want to post it, I will try to respond.

        Sincerely,
        Kay

    • Mom of X

      If my disabled sons child support is going into a special needs trust and I have 3 other children one at which receives 543.69 a month in child support how much SSI would my special needs son be eligible. We are a single parent household (going through divorce) I do have a mortgage do not work do to my sons disability. Have a total of 4 children 1 child is getting 543.69 the other 2 zero and the disabled child’s CS goes into a trust.

      • Kay Derochie

        Dear Mom,

        With the income your declare, your child would be eligible for $733 in Supplemental Security Income (SSI) benefits. However, the $543.59 child support would not pay for the family’s mortgage, utilities, food, transportation, personal hygiene and household supplies, so I wonder if someone is paying some of your expenses or giving money to support the family, which would change the picture.

        Sincerely,
        Kay

        • Mom of X

          Until the trust is set up both children are getting CS and my other child’s dad goes and purchases her needs. The CS covers mortgage and electric. My son is currently getting 360 in SSI but since we have filed for divorce and a trust is being ordered I needed to know how the figures would be and if I needed to hire a social security attorney in addition to divorce attorney. Because my divorce attorney was under the impression my other child’s child support might affect my disabled child’s SSI even if when my disabled child’s CS will be placed in a trust. I just tried to ask the main question instead of explaining the long drawn out version.

          • Kay Derochie

            Dear Mom,

            The underlying principle is that if money in the CS can be used only for medical or educational purposes or something else that is not food or shelter, it is not a resource and withdrawals used as such (keep receipts for proof), would not income for SSI. The preceding information is general and trusts can be complicated so you will need to show a copy of the trust to the Social Security Administration to get a formal determination.

            While the child support is being paid directly to you for you to use for the child as you see fit and not in the trust, it is countable income for the children. However, the non-disabled child’s income affects the disabled child’s SSI payment only indirectly and only if you (or your disabled child’s father or stepfather who living in the same household) has income. If so, a certain amount of your and the other resident parent’s income is allotted (set aside and not counted) to support the parent(s) and your non-disabled children. So if one non-disabled child is getting $360 in child support, then the excluded allotment of the parents income for that child is $9 instead of $369.

            If the father of the other child is directly buying clothing, etc. and not buying groceries or paying for shelter, his support of the child does not enter into the SSI calculation.

            Sincerely,
            Kay

    • Heather

      Hi my son is 19 and gets ssi disability im his payee and i want to go to work but i will only earn 700 a month..will this affect my sons disability income do i have to report all this i wasnt sure..

      • Kay Derochie

        Dear Heather,

        Now that your son is no longer a minor, your income does not affect his benefit. In order not to have a reduced benefit, you need to continue to use his benefits to pay his share of shelter and food costs. His share are the total costs divided by the number of people in the household.

        Sincerely,
        Kay

  • Jessica

    Hi Kay I’m getting Married this month and my boyfriend/husband is bring home about 2500 hundred and I’m Making 763 with ssi how much will mine go done or would I get cut off

    • Kay Derochie

      Dear Jessica,

      I anticipate that your Supplemental Security Income (SSI) will be terminated the month after you marriage due to your husband’s income unless you or he has minor children to support. (Gross income counts and even his net income is too high.)

      Sincerely,
      Kay

  • Elizabeth

    Im married,and been stay at home mom since 06,(so SSDI is out) unemployed with two children, and just trying to find out if with my ineligible husbands income, do they only count the reg 40 hours, or is overtime included also? (im unemployed, disabled and was just approved as disabled, sorry my if terms aren’t correct) since the over time isn’t guaranteed if it was counted as his gross wages for my SSI ?

    • Kay Derochie

      Dear Elizabeth,

      Supplemental Security Income (SSI) benefits are calculated monthly so you will need to report your husband’s pay every month by the tenth of the following month. As long as his wages are low enough for you to be continuously eligible, his income in one month will determine your payment amount two months later. His full wages including overtime will be considered in the calculation.

      Sincerely,
      Kay

      • Elizabeth

        ok. thank you very much.

        • Kay Derochie

          You are welcome, Elizabeth

  • Stephanie

    My son is 21 years old, has Down Syndrome and lives with me. It’s just the 2 of us in the household. It seems to me that at 21 years old, he would normally be out on his own (if not disabled), and would contribute to household expenses if continuing to live at home with me. His current SSI benefits are only 415/month. This is not nearly enough to cover his food, let alone a portion of housing expenses. What is keeping him from receiving maximum benefit of 733?

    • Kay Derochie

      Dear Stephanie,

      To receive $733 your son has to be “in his own household,” which means he is paying for his own shelter and food costs. He can do this by either paying his share (one-half) of the rent or mortgage, shelter utilities (not phone or cable) and food or buy his food separately and rent a room from you paying fair market value (FMV). If he were to start paying for a room and buying food separately, he might qualify for food stamps; however, the food stamp allowance for one person is far less than $415. One way to perhaps be able to transition to his paying his share would be for him to pay nothing for a few months until he had saved up enough to pay his share for at least two months. Once he starts to pay his share, his SSI will go up two months later.

      Sincerely,
      Kay

  • A

    I am just wondering my wife and i are a samesex couple how will her almost 1200 gross income effect my ssi payments in CT. I hand in her paystubs every month like they want me to but nothing happenes with my payments are they suppose to go up or down or stay the same?

    • Kay Derochie

      Dear A.,

      If you and your wife are legally married, her income is considered in determining your Supplemental Security Income (SSI) payment amount. It is possible that her income is low enough that your payments are not affected. Just to be safe, however, I suggest that you visit your Social Security office and ask to have your computer record reviewed to be sure her earnings are being posted.

      Sincerely,
      Kay

  • Mary Ellen

    I am a single parent with one adult child on SSI living with, and a 14 year old eligible to receive SSI. Is our resource limit $2,000 or $3,000?

    • Kay Derochie

      Dear Mary Ellen,

      Your adult child receiving Supplemental Security Income (SSI) is $2,000. Your income and resources are not considered in his or her eligibility. For your minor child’s claim, your resource limit is $2,000. If you have resources above that amount, they count toward the child’s own $2,000 resource limit.

      Sincerely,
      Kay

  • Danielle

    I was approved for SSI on November 20 2015. I received a letter with my benefit amount today. My husband makes 1614/month salary and we have 3 minor children. It states my monthly amount is $555. That doesn’t seem right to me at all. I feel it should be higher. Am I right? Thanks, Danielle

    • Kay Derochie

      Dear Danielle,

      If your husband’s $1,614 wages are gross wages (before taxes and other withholdings) and your children are under age eighteen and don’t have income of their own and the benefit is not being reduced because your family is living with other people and not paying their share of shelter and food, then, yes, it appears an error has been made. I would say that you would be eligible for the maximum $773 federal payment. I suggest that you double check with Social Security to be sure they have not made an error in the amount of wages being used.

      Sincerely,
      Kay.

      • Danielle

        Thanks. One more quick question, should I call SSA myself or have my attorney handle it? Thanks again

        • Kay Derochie

          Dear Danielle,

          The attorney will probably only get involved it it changes the amount of his attorney fee. Also, usually attorneys are well-versed in the medical issues of a claim but not in the calculation of benefits; so, you can ask the attorney to help but it is likely you will have to appeal on our own.

          Sincerely,
          Kay

  • kim

    hello Kay, my daughter was approved for ssi in the amount $161 a month based on me and my husband income. we currently pay $201 for rent and are moving with rent to decrease to $1000 will her ssi amount increase based on our rent going up? also my husband is her step father with 2 other children of his own. do ssa take that in consideration?

    • Kay Derochie

      Dear Kim,

      Your daughter’s SSI will not increase because your family’s rent has increased. If you have listed the other two children in your household and they are under age eighteen, yes, the need to support those children is factored in. For more information see “What Are Deemed Income and Resources and How Do They Affect an SSI Application for Children?” under the “SSI” tab on the navigation bar of this web page.

      Sincerely,
      Kay

  • Eric Fitzgerald

    I live in texas, my son has been diagnosed with conductive hearing loss and has PRESSURE EQUALIZING TUBES (Performed 7/9/2013). I am a single father and earn $10/hr. I pay $56.88 weekly for court ordered child support for my daughter who does not live with me. I receive $76.15 bi-weekly for court ordered child support for my son who does live with me. I have one vehicle and own no other property and no other income. Can my son receive benefits and how do I calculate my deemed income.

    • Kay Derochie

      Dear Eric,

      Based on the financial information you provided, it would appear that your son is financially eligible for SSI, assuming your resources (assets) do not exceed the SSI limits. To estimate the amount he would receive if approved medically, you can use the formula in the example in the article “What Are Deemed Income and Resources and How Do They Affect an SSI Application for Children?” which can be found under the “SSI” tab on the navigation bar of this website.

      Sincerely,
      Kay

  • Kanisha

    Hello my husband makes around $2000/ month before taxes and everything are taken out. we have 2 children and 1 on the way. How much would my ssi benefits be ? I tried figuring it out but was so confused thank you!

    • Kanisha

      also we own our home which is paid off and own 1 car

      • Kanisha

        his monthly gross is $2130

        • Kay Derochie

          Dear Kanisha,

          Please see my response of a few minutes ago. The same is true with $2,130 wages.

          Sincerely,
          Kay

    • Kay Derochie

      Dear Kanisha,

      With two children who have no income, your husband’s wages would not reduce your SSI benefits, so if you have no other income and your family assets are below the limit, you would be eligible for about $733 a month.

      Sincerely,
      Kay

  • Danielle

    So social security wants to audit my bank accounts. I am the representative payee for my son. Can they audit a account that is in my daughter name, as well as mine cause she is a minor???

    • Kay Derochie

      Dear Danielle,

      If your son is a minor and lives with you, your income and assets are considered in determining his financial eligibility, so they do have the right to review all accounts in your name including joint accounts. If you son is not a minor, then it would appear the Social Security Administration is questioning your use of your son’s money. Accordingly, it would be best to cooperate.

      Sincerely,
      Kay

  • Chris

    My fiancé makes about $2,000 dollars a month. He owns two cars, several insurance policies (one with me as the beneficiary) and two other houses besides the one we live in.

    Am I eligible for SSI? Or do his assets already put me over the limit?

    He takes care of me so I don’t have any type of bank accounts or anything like that.

    Thanks

    • Kay Derochie

      Dear Chris,

      Your finance’s income and assets are not considered in determining your eligibility for Supplemental Security Income (SSI). His providing you with food and housing will reduce your benefit, if you are approved, from the maximum. Also, any cash he gives you is countable income if it is over $20 a month.

      Sincerely,
      Kay

  • Bobby

    Hi Kay,

    I just got approved for ssi as I have bi-polar,anxiety and othrr mental issues. Both of my sons get ssi of $733 each a month. My wife is the only worker she grosses close to $1200 a month sometimes a few hundred less. How will I deem how much my payments will be? Will it also count there ssi?

    • Kay Derochie

      Dear Bobby,

      Your children’s SSI will not affect your SSI amount. Based on the information you provided I would expect your SSI to be about $353.

      Sincerely,
      Kay

  • Trina

    My husband was bringing home 2700 a month when i applied for my daughter in June of 2015 and we are household of 5 including my 13 yr old stepson .My son which is 3 gets check for $755.00 a month and now my daughter 20 months is found disable. i applied and she was approve but when i was ask for prove of income to see if everything was still the same they now put everything on hold because my husband income has increase to now 2800 a month and i have not worked in 3 yrs due to my children disability and school schedule. will i still get something for my daughter or i wont because and son’s income (SSI) and my husband gross income? please get back to me asap

    • Kay Derochie

      Dear Trina,

      If your family’s income is within the SSI income limits, both your children will be paid and they will be paid the same amount. Any of your husband’s income that is deemed to them will be split between the two. Any back pay your daughter is eligible for will be reduced by the overpayment your son has because of his sister’s eligibility for past months. By my rough calculations the children will be eligible, but for less than the maximum amount.

      Sincerely,
      Kay

      • Ashley

        I have wrote two questions they have not been answered my question is I’m making 2100 this month my daughter receives ssi I’m one parent household and one ineligible child will they decrease her amount my hours will also decrease at Wrk to were I will only bring home 1000 will that amount change anything

        • Kay Derochie

          Dear Ashley,

          Supplemental Security Income (SSI) benefits are based on gross earnings, not take-home. With earned income of $2,100 gross and one ineligible child who has no income, I would expect your daughter’s SSI to drop to about $475.

          Sincerely,
          Kay

          • Ashley

            Thank you for answering so when should it go back up when my wages go down I just report that right and they should fix it

            • Kay Derochie

              Dear Ashley,

              You are supposed to report your wages monthly by the tenth of the following month. They should make the adjustments so that payment is correct two months later. (As long as eligibility continues, income in one month affects payment two months later.)

              Sincerely,
              Kay

          • Ashley

            What do u mean if still eligible what would make ineligible not sure I follow my monthly income is never the same it varies

            • Kay Derochie

              Dear Ashley,

              SSI benefits are calculated monthly, so you need to report your earnings by the 10th of each month. If some month your earnings are too high for benefits, then your child will be ineligible in that month, not two months later.

              Sincerely,
              Kay

    • Paul Watson

      Hi Kay, my 14 year old daughter gets $615.00 SSI every month.It is just her and I in our household. I am going to take a minimum wage job paying no more than $1600 a month and the only other income we get is $200 in child support. How much can we expect her SSI to drop down to? Thanks, Paul

      • Kay Derochie

        Dear Paul,

        You can calculate an estimate using the formula in the article “What Are Deemed Income and Resources and How Do They Affect an SSI Application for Children?” under the “SSI” tab on the navigation bar of this website.

        Sincerely,
        Kay

  • Charlene Outlaw

    Dear Kay, I do not qualify for social security disability. My husband receives $2400. earned income per month. We only have a home, and one car. Am I eligible for SSI. Charlene

    • Kay Derochie

      Dear Charlene,

      Unless you have a minor child in the home or your husband’s paying child support, your family income is a little bit to high for a federal SSI payment. Some states pay an SSI state supplement that might allow a small state supplement payment. I suggest that you contact your local Social Security office to inquire about a state supplement and whether apply there or in a state office. (This varies from state to state.)

      Sincerely,
      Kay

  • Danielle

    I make anywhere from 1900 to 2500 a month in wages and 400 in child support. My son recieves 289 for ssi and have anther child i support. I live with my parents and pay 1000 in rent and anywhere from 200-400 in childcare. SSI wants to reevaluate my sons case is he still eligible?

    • Kay Derochie

      Dear Danielle,

      Based on the information you have given me, your child is still financially eligible.

      Sincerely,
      Kay

  • I am 25 I am applying for ssi and I have severe anxiety, depression, scitzophrenia,and chronic pain and a mood disorder would I be eligible for ssi benefits and since I live with my mom and she lets me stay at her place for free and she pays for food how much would I get in ssi benefits a month?

    • Kay Derochie

      Dear Sean,

      Whether or not you are approved for benefits depends on how much your medical conditions affect your ability to work. If you are approved, the maximum you can receive while receiving free housing and food is $488. If you later pay for your food and housing, the benefit could increase.

      Sincerely,
      Kay

  • Randi

    My 20 year old daught is awaiting her appeal, in the meantime she had a child born with down syndrom and is receiving ssi. She was told that she could not rent rooms from her grandmother without counting her grandmothers income. She was told this would keep the baby from getting his ssi and would stop her appeal process. This lead her to move out amd lose tthe emotional support and help she needs. Was she told correctly, or if she pays fair market value on rent and buys her food seperately, would she be able to move back??
    Thanks,
    Randi

    • Kay Derochie

      Dear Randi,

      Your daughter was given incorrect information. Her grandmother’s income does not affect her claim or her child’s claim and certainly will not affect her appeal. Right now if I understand correctly, her child is the only one with income. If she uses the child’s money to pay fair market value for the room and buys the child’s food with the child’s money or food stamps, the child will not only be eligible but eligible for the maximum amount.

      Sincerely,
      Kay

  • Juana

    I have 2 sons on ssi for autism i receive 733 for each one a month i dont work my rent is 858 month and i pay all my own bills i have 1 more son and he was just diagnosed with adhd the social worker said i could apply for ssi for him as well if i apply will i get the same amount for him as well or will it be affect since i get ssi for 2 kids already receive ssi and i receive $360 in foodstamps no child support

    • Kay Derochie

      Dear Juana,

      If your son is disabled, he will be eligible for the same amount as the other children and his benefit will not affect the amount of theirs.

      Sincerely,
      Kay

  • Jill

    Hi. I receive 337.00 for Social Security Disability and 416.00 SSI each month. When I applied for SSI my husband and I were separated and not living together so they put me down as single. My husband and I are living back together now and he is not working, so he has no income. We are living off my amount. I’ve reported to SSA that we are living together now. Because he has no income would my SSI go up any?

    • Kay Derochie

      Dear Jill,

      Supplemental Security Income does not pay dependent benefits. When your husband starts to work or if he obtains other income, you need to report his earnings so it can be determined whether any of his income is large enough that some of it should be deemed available for your support resulting in a reduction of your SSI benefits.

      Sincerely,
      Kay

  • I receive 733.00 in ssi, but I worked and made 3500 for the year will my ssi benefits stop

    • Kay Derochie

      Dear Mike,

      If you worked all year and earned the exact same amount each month, your Supplemental Security Income (SSI) should have been reduced by $88.33 each month.

      If you have not already done so, you need to report your earnings now and provide, if you are an employee, provide pay stubs so that Social Security can calculate your SSI benefits month by month. Ongoing, if you are working for wages, you need to report your work earnings received in each month by the tenth of the following month. If you were self-employed, you need to give Social Security an estimate of net profit from your business at the beginning of the year and then provide a copy of your tax return Schedule C to verify your actual earnings.

      Sincerely,
      Kay

      • thank’s kay, but I made 3,500 for the physical year of 2014

        • Kay Derochie

          Dear Mike,

          My response still applies. If you didn’t report the work, you need to.

          Sincerely,
          Kay

  • Heather

    My son has just been “deemed disabled. We are still waiting on the financial part. We have no unearned income. My husband makes around $2600 before taxes a month and I make around $2400 a month before taxes. We pay $814 in a mortgage each month and we do pay $712 a month for two cars. We also have another child that isn’t disabled. I’m just wondering if he will be eligible for SSI benefits or do we make to much?

    • Kay Derochie

      Dear Heather,

      If your son is a minor, your and your husband’s income will make your son ineligible because $5,000 a month is about $850 over the limit for a household with one disabled and non-disabled child. If your son is age eighteen or over, your income does not affect his eligibility.

      Sincerely,
      Kay

      • Heather

        I was under the impression that they wouldn’t make you go through the whole process without being financially eligible. SSI knew from the inital phone call what we made. SSI even made us a doctors appointment so they could get more information on his disability. I also got a phone call Friday saying she wanted to know who to make the check out to and she needed our pay stubs dating back to August. But when I called today she said she hasn’t got to the pay stubs yet but we will be getting a letter in the mail stating if he was approved or not. She also stated that our sons SSI check would defer each month depending on our pay that month. I feel like I am getting led on.

        • Kay Derochie

          Dear Heather,

          Ordinarily a medical review would not be done when a person is not financially eligible. Perhaps there was an initial misunderstanding. I suggest that you submit the pay stubs so that you get a formal decision on the financial eligibility.

          Sincerely,
          Kay

  • tammy

    I have a sister that is on SSI. I’m planning on buying a house and wanted to include her on it. She wants to move in with me. Having her on the loan application but not putting any money down. Would this hurt her monthly check?

    • Kay Derochie

      Dear Tammy,

      Your sister having ownership of a home in which she lives will not affect her SSI directly. However, if you pay more than half (assuming just you two will be living in the house) of the mortgage, power, heat, water/sewer and garbage, her SSI will go down because she will not paying her share of expenses. (If you share food, she must also pay her share to avoid a reduction.)

      If you were to buy the house on your own without her being on the title, you could charge her a flat rate as a roomer. If you charge her fair market value for the room and she buys her own food, her SSI will not be reduced even if her rent is less than what her share would be if she were a co-owner and you were sharing costs.

      Sincerely,
      Kay

      Sincerely,
      Kay

  • Rachel Humphrey

    We are a family of 4 in Virginia. My son has Autism. My husband is the only worker and makes about $2000 a month. I was working until 3mo. ago when my son was send homebound. I can no longer work because my son is home and violent towards other adults. I am putting in for SSI next week, do you think I’ll qualify and if so can you make a guess at how much each month? How does ownership of vehicles and our house impact our checks? I am looking for work to work around my son but it’s been nearly impossible with my husband’s schedule and my son’s issues. I was looking for a link as to income guidelines and such but can’t find one. I was also looking for a calculator. Do you know where i can find this sort of thing? thanks Rachel

    • Kay Derochie

      Dear Rachel,

      You can find a chart that lists the maximum amount of income your family can have for your son to receive at least $1 of Supplemental Security Income (SSI) benefits (and usually Medicaid) at http://www.socialsecurity.gov/ssi/text-child-ussi.htm.

      To run an estimated calculation, you can use the formula in the sample calculation in the article “What Are Deemed Income and Resources and How Do They Affect an SSI Application for Children?” under the SSI tab on the navigation bar of this website.

      With regard to resources, which are assets that are carried from one month to the next, you and your husband can have $3,000 countable resources (assets). If you have more, the excess will count toward your disabled child’s $2,000 limit. A home that you live in and the equity value of one vehicle are excluded.

      Sincerely,
      Kay

  • Burcu

    Hello,

    My mom is receving SSI $480 for month. She has been out of the country for more than 30 days. And originally from Turkey. Do they stop her SSI payments. She is a US citizen, We just received an application to renew, and they are asking whether she has been out of the country for more than 30 days. And this is the first time we heard this. Can’t she stay out of country for more than 30 days?

    Also, she lives with me she does not pay rent, but she contributes to food and heating, should we list that as her expense. Thank you.

    • Kay Derochie

      Dear Burcu,

      Supplemental Security Income (SSI) is not payable when a person leaves the U.S. for more than thirty days and does not start again until she has been back in the country for thirty days. Your mother should have reported going abroad before she left. If she is ineligible for twelve months, she will have to file a new application when she returns.

      When she returns to the U.S. and requests reinstatement of her SSI, you can submit a statement and proof of your mortgage or rent, your shelter utilities (not phone or cable), and food costs for the whole household. If your mother is paying her share or close to her share of those costs, her SSI will be paid in a higher amount. Her share is the total costs divided by the number of people in the household.

      Sincerely,
      Kay

  • Amanda

    Hello.
    My question is i already recive $733 for my son in ssi and i was going to apply for my other son for ssi will he also recive the same amount 733 a mth?. I make a month 1,056 before taxes are taking out. I am also beening talking with my dr and she said i should file too for ssi would that mess anything up i am a single mother of 3 children and my youngest has a Speech delay would she also recive $733 a mth.

    • Kay Derochie

      Dear Amanda,

      If your daughter’s condition is severe enough for her to meet the definition of disability for a child, based on the information you gave me, her benefit would be $733. If you cannot continue working because of your health and you are approved for SSI, your getting SSI would not have a negative effect on your children’s benefits. However, if you are insured for Social Security Disability (SSDI) and the SSDI benefit is high enough that you don’t qualify for SSI for yourself ($753 or more), it is possible that a small amount of your income could reduce your children’s SSI. (Note that for you to be approved you must be unable to perform any occupation that you could perform if you did not have medical limitations and the disability must be expected to last for twelve months.)

      Sincerely,
      Kay

      Sincerely,
      Kay

  • Shun Jones

    My husband and I are currently seperated and living in 2 seperate households. He was just approved for SSDI for $1106. He has 2 minor children under 18. One is my son who is 5. I have 2 other minor children. My income is $2200 gross per month. My son only received $294 in child support from his dad. I’m wondering can I get money from him as a spouse caring for a minor child and if so how much and do my minor children qualify for benefits since they are his stepchildren? We have been married for 7 years.

    • Kay Derochie

      Dear Shun,

      You can apply for your five-year-old to receive benefits from his father’s record and you can apply to be his payee and receive the benefits. The only way your other children would qualify as eligible stepchildren would be if he provided more than half their support when he became disabled or at a a couple other points in time. You could apply and get a formal determination.

      With regard to benefits for yourself, one dollar of every two that you earn over $15,720 a year will cause a one-dollar reduction in your benefits. $2,200 a month equals $26,400 a year, so your annual young wife’s would be reduced by $5,340 in excess earnings. Also, your benefit would reduce your son’s benefit because there are already two children on the account. That said, you might want to apply if you are eligible for a small amount because it could protect you in the future in case your husband died before you and your became disabled before age sixty.

      Sincerely,
      Kay

  • Shannon

    My husband and I have been separated for approx. 3 years. I have 3 children ages 21, 18 and 11. My 21 year old works (although was injured on his job and is receiving workmans comp) Do they take into consideration his income? I have been out of work for the past 3 years due to multiple medical issues from pseudotumor, lupus, fibromyalgia, anemia, ibs, vertigo, severe depression/anxiety. I am in appeal stage for ssdi but they say it can take up to 18 months. Can I apply for SSI and where would I do this?

    • Kay Derochie

      Dear Shannon,

      The Social Security Administration administers Supplemental Security Income (SSI). However, medical eligibility for SSI is determined the same way as medical eligibility for Social Security Disability (SSI) and you cannot get SSI without a medical approval. Note that you may have already applied for when you applied for SSDI. If so, your appeal applies to both claims. On the other hand, if at the time you filed for SSDI, you had income and assets above the SSI limits, you may not have a pending SSI claim. If that is the case, you can file an SSI application. If you do, let the claims representative know that you have an SSDI hearing pending and find out how the medical evaluation will be handled for the SSI claim–as a new claim (which is most likely) or dependent on the SSDI hearing decision.

      Sincerely,
      Kay

  • Tammy

    Hello we are a family of 6( 2 adults 4 children) 1 receives ssi and other 3 are counted as ineligible children. My husband started a new job salary $40k a year ($1539 bi-weekly) we have only 1 car, 1 income no welfare, 2 parent household. What’s an estimate of her new ssi benefit?
    Fyi she’s gets $73.30 taken out each month for back pay.

    • Kay Derochie

      Dear Tammy,

      To work up an estimate, you can use the formula in the sample calculation in the article “What Are Deemed Income and Resources and How Do They Affect an SSI Application for Children?” under the SSI tab on the navigation bar of this website.

      Sincerely,
      Kay

  • Greg

    I have been told that if you become IHHS that monies paid to you won’t effect your SSI. Is this true? ALso what about rental income?

    • Kay Derochie

      Dear Greg,

      That is correct In-Home Health Service payments paid to you so that you can pay your care provider are not income to you. However, the money is income to the care provider. This means that if your care provider is your spouse, for example, the IHHS payments would be part of the spouse’s income and included in the deemed-income calculation that is used to determine your payment amount. Whether or not income would be deemed to you would depend on the spouse’s total income and whether there are minor children in the household.

      Sincerely,
      Kay

    • Kay Derochie

      Dear Rachelle,

      I read you two posts, which seem to be helpful information, but I cannot post third-party advice on this site.

      Best regards,
      Kay

  • Mar

    I was just approved for SSI…My question is I live with my 2 grandchildren who I have custody of, we live in their father’s mobile home that he owns free and clear as he lives out of state and doesn’t want it sitting empty…I do pay the lot rent for it as well as all utilities are in my name..Will they count this as in kind income because we don’t pay for those house only the land it sits on? And if they do, would it help if he charged me rent for the mobile home as well as the lot rent? Or would this be considered his share of child support for his kids i have custody of? And do they consider child support payments whether you get them directly from the parents or through the state as in WFFA/TANF for dependants only I am not included in that money it is only for the kids..

    Thank you..
    Marley

    • Kay Derochie

      Dear Mar,

      Please see my reply to your first posting of a few minutes ago. Whether the free rent is considered child support for his children or not, my reply is still applicable.

      Sincerely,
      Kay

  • Casbar

    Dear Kay,
    I’ve been reading all these pages about SSI as I was recently approved by an ALJ for Medical reasons.
    The only income I receive right now is child support in the amount of $236 for my 2 grandchildren, I have no other resources, property nor a vehicle at this time. I see that you keep saying that Child Support is not counted towards the SSI benefit amount but I have seen on some SSA site that they do count it..So I am confused do they count it or not? I might add that I receive the money from the state versus from their parents as it is more reliable every month versus when they pay it..
    I pay all my own bills but had to get a loan when I moved here recently to pay my rent and get back on my feet so we were not homeless. I pay this back every month in payments..Will that also count against me?
    Was just recently approved and am still waiting on SSA to call me back to see just how much if any I am eligible for..Any assistant you could give me at this time would be greatly appreciated..Thank you!
    Casbar

    • Kay Derochie

      Dear Casbar,

      Child support counts as income to the child for whom it is being paid because it is paid to pay for the child’s needs. It gets counted by SSI law as the disabled child’s income when that child receives it. It is also factored into the deemed income calculation as the non-disabled child’s income when determining how much a parent’s or spouse’s income is excluded from counting because it is needed for the child’s support. So, in short, the child support paid for your grandchildren should not affect your SSI payment amount.

      Loans do not count as income. If you have a written loan agreement–either commercial loan papers or an agreement signed by you and a private lender that shows the amount loaned and the repayment schedule–just show the loan agreement and whatever proof you have of making payments to Social Security and the loan will not count as income.

      Sincerely,
      Kay

  • Giselle

    I have a son who suffers from Depression, was diagnosed with ADHD and Dyslexia. I make around 3,100 a month. Would my child qualify for SSI and if so, around how much?

    • Kay Derochie

      Dear Giselle,

      If there is one parent in your household and you have no non-disabled minor children, your wages are too high for your child to be eligible for Supplemental Security Income (SSI).

      Sincerely,
      Kay

      • Giselle

        Prolly should have applied when I was receiving unemployment, since I was unemployed for about a year. I was getting around 1600 a month. how much would I have gotten if I would’ve applied then?

    • Kay Derochie

      Dear Giselle,

      Unearned income such as unemployment is counted differently from work earnings. With $1,600 unemployment benefits, one parent and no non-disabled children in the household, your income would have been about $100 over the income limit; so your son would not have been eligible for Supplemental Security Income (SSI).

      Sincerely,
      Kay

  • Serenity Davis

    I have a son who currently recieves 733 a month SSI. I have another child who doesn’t receive anything. I currently just started a job making 9.83 a hour 40 hours a week. I have one car. How would this change his payments being that I do have another child. Both children has the same father who suppose to pay 188 a month I. Child support but doesn’t pay. This is a one parent household. Total of 3 of us.

    • Kay Derochie

      Dear Serenity,

      Your wages are probably not high enough to affect your child’s Supplemental Security Income (SSI) payment, but you do need to report that you started work and report your exact work earnings monthly before the tenth of the month following the month in which you were paid.

      Sincerely,
      Kay

  • Chelsea

    I am a single mom of two Daughters and one of my Daughters is at the age of 3 and can only say a few words. Also she has ADHD and has been kicked out of Daycare due to her Behavior. Recently I was terminated from my job because I didn’t have daycare on a Sunday. But as if now I have some really good Friends who Support me and help me with money for my bills its not much but it helps $120 a week . I also use that money for rent $425 a month … How much will I receive and will they count both Children because I’m a single mom or just count the Child that has ADHD-Speech Development?

    • Kay Derochie

      Dear Chelsea,

      If your daughter with ADHD and delayed speech development is approved for disability, only she will be paid. The assistance you are getting from your friends is low enough that your daughter is likely to receive $733.

      Sincerely,
      Kay

  • Michelle

    I might want to get married some day and I receive 731 in ssi. If my new husband was self employed and we had no children and his income varied from 1500 one month to 200 another how do I calculate my ssi payments? Do I do the $20 plus $65 divided by half then minus 731 and thats my payment?

    • Kay Derochie

      Dear Michelle,

      Depending on the type of business your husband had, you might make an estimate of your husband’s annual self-employment income and it would be be divided by twelve and charged evenly each month. The reason for this is that some businesses have very large expenses some months and none others and it is net profit from business that is counted. Then at the end of the year, you would submit your husband’s Schedule C from his tax return for the prior year and adjustments would be made if the actual earnings were different from the estimate. On the other hand, if the business has almost expenses, then the profit each month would be used to determine your benefit two months later unless the earnings were so high that you were ineligible in the month in which case the earnings would count in that month. The calculation is the earnings reduced by $85. The resulting amount is then divided by two and that amount is subtracted from $733 to arrive at your benefit. For example $1,500 – $85 = $1,415 / 2 = $707.50 countable income. $733 – $707.50 = $25.50 SSI benefit.

      Sincerely,
      Kay

  • terri

    I have to sons that receive ssi 733 a month each I also have another son that lives with me that receives no income I recently started working before taxes I gross 1600 a month I also have child care exspences of 200 a week due to I am a single mom could you tell me how this will affect my children’s payments what amount they will receive from ssi I due not understand the calculated above due to I am I one adult house hold thank you

    • Kay Derochie

      Dear Terri,

      Your new work earnings will not affect your children’s Supplemental Security Income (SSI) benefits. You do need to report the work right away and report your gross earnings once a month. Ask about telephone reporting.

      Sincerely,
      Kay

  • nina

    My husband and I make about 4100 combined one of our sons ( we have 3 ) was approved for ssi ( he has adhd and anxiety ) will our income affect his receiving benefits? We live in Chicago il.

    • Kay Derochie

      Dear Nina,

      Working up a rough estimate, I would say that your and your husband’s income will affect your son’s benefits, but he will still be eligible. This assumes that your other two children do not have income and that your family’s countable assets are below the resource (asset)limit.

      Sincerely,
      Kay

  • Shelly

    I found out that I would be receiving SSI my ex boyfriend and I had bank account until a few days ago.I had to turn it n records from the bank showing deposits that went into the account. How will this effect my SSI back pay? Also he is the payee of his 21 year old sons SSI and that to was going into the same bank account. I am trying to find out if I might still receive back pay and if so how do I figure how much it may be.And will I still be able to receive SSI payments every month now I that we are no longer a couple? Thank you for you help.

    • Kay Derochie

      Dear Shelly,

      You will not be able to estimate the amount of back pay you will receive, if any, because multiple factors affect the calculation. The deposits to the account may count as income to you because you had legal access to the money because your name was on the account. You may be eligible for ongoing benefits now that you name is off the account although eligibility may not be immediate because it may be determined that you gave away money when you took your name off the account and that could cause you to be ineligible for a time.

      Although you didn’t ask, I will say that your ex-boyfriend’s son’s SSI benefits should not be going into a joint account. There should be an account set up for the son to receive only the SSI benefits.

      Sincerely,
      Kay

  • Megan

    My son gets Ssi but he gets 877 in Childsurport I apply for disabled for my self will his Childsurport infact my disability if I get it

    • Kay Derochie

      Dear Megan,

      If you have not done so already, you need to report the child support to the Social Security Administration as soon as possible because you son may not be eligible for the Supplemental Security Income (SSI) that he is receiving. Your child’s child support should not affect your disability claim, whether it be fore SSI or Social Security Disability.

      Sincerely,
      Kay

      • Stacy

        I receive $1442 a month in ssdi. My kids also get a check off my ssdi. They split $720 between the 4 of them. So $180 each. My husband can’t work anymore and he don’t have enough work credits to receive ssdi. Will he qualify for ssi? My ssdi is our only income. We have a morgage and one car.

        • Kay Derochie

          Dear Stacy,

          If your husband applies as a spouse with a child under age sixteen in his care or because he is at least sixty-two years of age, the $720 will be split among him and the four children. Although your family’s income will not go up, your husband applying and being eligible for benefits on your account now could protect him for disabled widower’s benefits should you die before him. For that reason, it could be advantageous for him to become entitled on your record now.

          Sincerely,
          Kay

          • Stacy

            His doctors told him to apply for his disability because is heart is really bad. He’s had 2 heart attacks in 6 months. He is only 40 years old. So he won’t qualify for ssi because of my income???

            • Kay Derochie

              Dear Stacy,

              That is correct. To receive the lowest payment of $1.00 of federal Supplemental Security Income (SSI) a disabled couple must have income of less than $1,120. Because your income is over $1,120, your husband is not financially eligible for federal SSI. If the Social Security figures you gave were gross before Medicare premium deduction and before taxes and you live in California, which has the highest state supplement, about $54 California SSI state supplement would be payable and both you and your husband could receive Medicaid, which would likely pay your Medicare premium. Other states’ SSI supplements are too low to allow payment to your husband.

              Sincerely,
              Kay

  • Dawn

    My son receives max SSI due to a medical disability. He is thinking about getting married. His future wife works and earns approx. $1500.00 a month and has two children. My son has no children of his own. How will her income affect my son’s SSI. Also is SSI different in different states? If he gets married they will be moving from NJ to KY.

    • Kay Derochie

      Dear Dawn,

      Your son’s SSI will not be affected by his future wife’s income if she and the children have no other income than her wages and the $1,500 is a gross earnings amount. Moving from New Jersey to Kentucky will affect only the SSI state supplement portion of your son’s benefits; it will not affect the federal payment amount unless the couple moves in with someone else who is supporting them with free or subsidized housing or food.

      Sincerely,
      Kay

  • Michaeleah Gray

    Hi I’m 22 u live with my two kids and fiance with his mother. Very crowded and she is just helping US rent free until we are able to move out. My three year old has autismm n I also have a nonautistic one year old. My fiances monthly income is around 900 but he will soon get promoted at his job and it will increase to about 1200 a month. 4 person family two adults two kids one income . how much ssi benefits would he receive. Our interview is in two weeks. Thanks

    • Kay Derochie

      Dear Michaeleah,

      If your fiance is not the father of your children and you have not registered as domestic partners and either you do not live in a state that recognizes common-law marriages or you have not presented yourselves to the public that you are married, your fiance’s income should not be considered in determining your child’s eligibility for Supplemental Security Income (SSI). If for some reason Social Security considers his income, the income is low enough that it will not affect your three-year-old’s claim for SSI; however, the free rent from your fiance’s mother will reduce your child’s SSI if he or she is approved.

      Sincerely,
      Kay

  • Maya

    Hi I receive 733 but I’m getting a job in that job pays 2600 a month will benefits be reduced because I also pay 700 in rent in then car not 174 plus food

    • Kay Derochie

      Dear Maya,

      Your Supplemental Security Income (SSI) benefits will be terminated because your work earnings are too high to receive benefits. To avoid an overpayment that you will have to repay, be sure to report your work start date and earnings to Social Security as soon as you know the date you are going to start and the date you will receive your first paycheck.

      Sincerely,
      Kay

    • brittany

      My husband makes about 2,000 or less will I still qualify for ssi check?

      • Kay Derochie

        Dear Brittany,

        I need more information to respond. How much gross does your husband earn? Do you and your husband have any minor children living in the household? If so, do they have income? Is your husband paying child support?

        Sincerely,
        Kay

  • Yvette

    Kay,

    I have an 8 yr old with down syndrome. I plan to retire soon at 57. SSA has already previously denied him benefits due to my income. I know that my full retirement age is 62. I will retire with approximately 3100 monthly income. Considering my current situation, would he now be able to receive SSI

    • Kay Derochie

      Dear Yvette,

      Earned income from work is eligible for higher exclusions than unearned income such as a retirement pension. If you will receive $3,100 a month at age fifty-seven, even with two parents in the household, you would have to have four non-disabled minor children in your household for your disabled child to be financially eligible for benefits. (As a side note, Social Security retirement benefits at age sixty-two are substantially reduced. Your Social Security full retirement age with full benefits is sixty-six and eight months.)

      Sincerely,
      Kay

  • Amber

    I’m on ssi get 730 a month I had 2 boys that are under3 there dad isn’t in the picture I have lots of friends on ssi and there gets get it they said they just called and said they have kids its hard to support two boys and I was just wondering if I can get extra help if so how do I go about it

    • Kay Derochie

      Dear Amber,

      Supplemental Security Income (SSI) does not pay dependent benefits for the disabled person’s children. Your friends who are receiving dependent benefits for their children through the Social Security Administration are receiving Social Security Disability. You might check with state or county social services office to see whether your children are eligible for some type of public assistance.

      Sincerely,
      Kay

  • lupe

    My son got appoved for ssi i have 3 children in the home home my 20 yr old live there too I’m married my husband works make about 2800 a month we have one car how is his income calculated

    • Kay Derochie

      Dear Lupe,

      In general, a certain amount of your husband’s wages is set aside for your, your husband’s, and your non-disabled children’s support and a certain amount is excluded as a work incentive. The remainder is counted as your disabled son’s income. You can work up an estimate of your son’s benefit by using the formula shown in the article “What Are Deemed Income and Resources and How Do They Affect an SSI Application for Children?” which is under the SSI tab on this website.

      Sincerely,
      Kay

  • Samantha

    Hello my name is samantha Im 22yrs old from Texas. I live with my parents i was paralyzed from the flu shot. i apply for ssi , will they still count my step- fathers income . And if my baby father lives with us will they count that as well even though we are not married.

    • Kay Derochie

      Dear Samantha,

      Your father’s income and your boyfriend’s income will not affect your SSI benefits. If you are getting free shelter and/or free food from your parents and/or your boyfriend, your SSI will be reduced for the in-kind (non-cash) income.

      Sincerely,
      Kay

  • Robyn

    I have searched all over and can’t find a answer to my question. I applied again for SSI. I am still legally married because divorce is being dragged out. It’s been going on for three years. I live alone , I’m permantly disable according to my doctors. I was a housewife before I got sick. Now I have nothing because our court systems no longer value homemakers. I have zero income however I do have a court order for spousal support. I have a wage garnishment then my soon to be ex found if he is a private contractor he gets out of the wage garnishment. My support is to be 1,359.00 per month. But he refuses to pay as court ordered. So I get nothing. I have zero assets and am on no aid although I could use it pretty badly. Does it effect my benefits ? I mean yes I have q piece of paper but court currently won’t force him to pay.

    • Kay Derochie

      Dear Robyn,

      Only money that you actually receive counts as income for Supplemental Security Income (SSI). In any month your receive spousal support, it will count as income to reduce your benefit or make you ineligible depending on the amount paid. In months your don’t receive it, the court order will not affect your benefits, if you are approved.

      Sincerely,
      Kay

  • Vanessa

    I filed for SSI for my daughter with ADHD in 2011. They did not approved her. Her condition worsened with ADHD/ODD and Mild Retardation. I have all her medical records from her psychiatric (diagnoses). A friend told me to file for SSI. So, I went online and filed and then went to the office and tried to sign the paper because I was not able to print it out. The worker asked me if I wanted to claim it from 2011 and I said yes. I have an interview very soon and I am worried I will be denied again. I am struggling mentally and financially. I have been raising 3 ADHD children. The two boys is in so much denial about their disability that it was so hard for me. I make about $3500 per month and get $718 per month in child support for the three kids.

    The questions are: Will I be able to be approve for SSI the second time with her condition worsening? Of approval for SSI what will be my monthly payment if any with my income? So, If I am deemed able to qualify for SSI…will I receive back payments from 2011 to present?

    Can anyone help me with those questions?

    • Kay Derochie

      Dear Vanessa,

      Please see my response to your previous post regarding your first questions. Usually a prior unappealed claim will not be reopened. It is more likely that, if approved, your daughter will be paid beginning with the month after the month you made first contact to file the current application. (The claims representative may have been asking what date of disability did you want listed as the alleged date of disability for your child, not that the prior claim would be reopened.)

      Sincerely,
      Kay

  • Vanessa

    I filed for SSI for my daughter with ADHD in 2011. They did not approved her. Her condition worsened with ADHD/ODD and Mild Retardation. I have all her medical records from her psychiatric (diagnoses). A friend told me to file for SSI. So, I went online and filed and then went to the office and tried to sign the paper because I was not able to print it out. The worker asked me if I wanted to claim it from 2011 and I said yes. I have an interview very soon and I am worried I will be denied again. I am struggling mentally and financially. I have been raising 3 ADHD children. The two boys is in so much denial about their disability that it was so hard for me. I make about $3500 per month and get $718 per month in child support for the three kids.

    The questions are: Will I be able to be approve for SSI the second time with her condition worsening? Of approval for SSI what will be my monthly payment if any with my income? So, If I am deemed able to qualify for SSI…will I receive back payments from 2011 to present?

    Can anyone help me with those questions?

    July 12

    • Kay Derochie

      Dear Vanessa,

      Assuming that you are the only parent or step-parent in the household, your income and your children’s child support puts you right on the line regarding SSI eligibility for your daughter. I suggest that you apply to get a formal determination. If your daughter is not financially eligible, you won’t have to expend the time to complete the medical questionnaires.

      Sincerely,
      Kay

      • Vanessa

        So that means she would not get the full SSI financial benefit payment.

        I have another question. My daughter have been staying with my mother for more than a year because I had no one to watch. She lives in Fl with my mother. I love in Ga with my other two kids. I pay for her private school education and co payments. My mother has helped me out some much by taking my daughter to live with her.

        She makes about $1950 per month. It is only her and my daughter in the house. Would my mother be able to qualify for the full financial SSI benefit?

        Can I calculate if by my self?

        • Kay Derochie

          Dear Vanessa,

          Because your daughter does not live with you, your income will not be considered in determining your daughter’s eligibility for Supplemental Security Income (SSI). If you are paying her school tuition and co-pays directly to the school and medical providers, those payments will not affect SSI eligibility or payment amount. If your daughter is living free with her grandmother then her SSI payment amount will be reduced for all but tweny dollars of her child support and for free housing and food from her grandmother and for all but $20 of her $239 child support. I estimate that her benefit would be about $239, plus she may be eligible for Medicaid based on SSI eligibility.

          Sincerely,
          Kay

          • Vanessa

            Thank you so much!

            • Kay Derochie

              You are welcome, Vanessa.

  • thomas

    My daughter was born deaf and her social worker had us apply for her to get SSI for additionial benefits and services through the county as in speach and other therapies.She said she would also get medicaid secondary to tricare which would help greatly with the medical bills.

    I went and applied and was told I made to much for her to qualify. The social worker was shocked and so was I. Apparently they said with my VA disability and SSDI that is over the amount you can make and have your child get SSI. Otherwise she qualfies we were told.

    I dont work, have SSDI approved from when I was in a WTU and med boarded and 90%IU. I have not worked since my medical retirement from the Army where I am now PDRL as well. I am not sure any of that matters but I am trying to mention it all for those who might have questions.

    My only income is the SSDI and the VA disability. I was denied caretaker for missing too many appointments and my wife at this point is no longer working taking care of my and our daughters therapy and appointments.

    Anyone have any expereince with this? Some places I have read it does not count and some places I read it does. My DAV rep said it shouldnt be counted but yes I know that is not their specialty. I don’t know who to ask and want to make sure we were denied using the proper income formulas if it counts or doesnt.

    Thanks in advance.

    • Kay Derochie

      Dear Thomas,

      Your Social Security and VA benefits are countable income in determining whether your child is eligible for SSI. If you would like to check that the amount being deemed to your child is correct, you could use the sample formula in the article “What Are Deemed Income and Resources and How Do They Affect an SSI Application for Children?” under the SSI tab on this website. If deemed amount is $753 or more, your child is not eligible for a federal SSI payment.

      One possibility might be that your wife could qualify as a caregiver, not through the VA, but through your state’s social service programs. You might also review the information on CHIP (Children’s Health Insurance Program) at http://www.healthcare.gov

      Sincerely,
      Kay

  • ericka vega

    My daughter gets 798 in ssi and I got approved to ihss as her provider ill be receiving 2415 will her ssi get cancelled since its more than 2000 in income

    • Kay Derochie

      Dear Ericka,

      If your daughter is age eighteen or over, her Supplemental Security Income (SSI) will be affected by the In-Home Supportive Services (IHSS)compensation you receive. If she is under age eighteen, whether or not the IHSS payments are countable income that could affect her benefit depends on whether it is excluded by Federal statue from being SSI countable income.

      I suggest that you ask the Social Security Administration office to check the list of payments that are excluded from countable income to see if IHSS is included. You might also ask the IHSS office whether the law or regulation that establishes the payments has a provision saying that it cannot not be counted as SSI income. If it does, request a copy to present the next time your daughter’s claim comes up for financial redetermination.

      Sincerely,
      Kay

      Sincerely,
      Kay

  • Hi Kay, I learned that my son’s back pay no longer exist because of it being more than a year dealing with my property that valued at $7000. But I wasn’t informed about that ,I’m very frustrated with this SS office, I need more help. We are hardly surving . I think I need a lawyer.

    • Kay Derochie

      Dear Pamela,

      I think you are saying that your son was ineligible for more than a year due to your property . If that is the case, you will have to file a new claim and get a new medical decision for him to secure ongoing benefits. However, your post does not explain “dealing with your property” of excess value. Sometimes, benefits are payable while a property is up for sale. You are correct that an attorney might help you research whether your son was eligible while you were attempting to dispose of property.

      Sincerely,
      Kay

      • Hi Kay My son was just approved for disability in December of this yr. His claim was closed and I wasn’t aware of that until I called to inquire about it due to having so much difficulty with the property value and it has a lien on it so I can’t sell it and I don’t want to . The property is vedalued at $7000. But now my daughter has been diagnosed with bipolar.

        • Kay Derochie

          Dear Pamela,

          Thank you for the additional information. Did you have another question.

          Sincerely,
          Kay

    • No it hasn’t been a year with dealing with this he was just approved in December of this yr and they closed his claim already. I don’t understand.

      • Kay Derochie

        Dear Pamela,

        The year would begin with the month of application, not the month in which he was medically approved.

        Sincerely,
        Kay

  • Mimi

    I have one 9yr old who already receives $700/mth ssi payment for his autism dx. His triplet siblings both just received Autism Diagnosis this month and I need to apply for them. How will this work in my applying for my other 2 children? We have a household of 6 on one income with 3 vehicles, one used for my college child, one is a work truck & one is my means of transporting the younger children to/from dr appointments therapies & school.

    • Kay Derochie

      Dear Mimi,

      If your child who is currently on SSI has been eligible for benefits with the three vehicles, so will your triplets be eligible. That said, to answer your question, if there are two parents in the household, the parents can have countable assets of $3,000. The first vehicle will not count toward the resource limit. Occasionally, a second vehicle will be excluded if it can be proved that the vehicle that is being used for self-support can’t also be used for medical or other essential transportation. Any excess resources above $3,000 will be split evenly among your SSI disabled children’s resource limit of $2,000 each.

      Sincerely,
      Kay

      • nora

        Hi iam 32 can work any more due to accident on knee i have 3 chlidren and my husband makes 3100 do we qualify

        • Kay Derochie

          Dear Nora,

          To be eligible for Social Security Disability (SSDI) or Supplemental Security Income (SSI), you must be, or expect to be, disabled for a period of twelve months or more. At your age disabled under Social Security law means that you must be unable to work in any past occupation or in any other occupation. I suggest that you discuss your condition with your physician to get an opinion of how long your limitations may continue.

          Additionally, to be eligible for SSDI, you must enough work earnings that have been taxed for Social Security; your husband’s income or size of family are not eligibility criteria. Your family’s income is within the SSI income limits for a family with three children, but you would also have to countable assets below the SSI resource limit.

          Sincerely,
          Kay

  • I have 4 minor children. My child support order is for 1527 per month. Lots of times I do not recieve that amount. I am applying for ssi for myself. To be honest I had received it from 89-2010 when

    • Kay Derochie

      Dear Jessica,

      Your post was interrupted, so I don’t know what your question is. I will comment that your children’s child support is not your income. If that is your family’s only income, you are being supported by your children.

      Sincerely,
      Kay

  • erin

    oes CA allow my SSI to count child support I receive for my son as my unearned income? An advocate through law foundation of silicon valley had assisted me with a spend down for SSI informed me she had learned 3 yrs of my son’s child support had been counted as income against me. Social security says they can count it but my advocate said otherwise. Thing is I’ve consistently had my rights violated with unfair mismanagement of my case so I need to know the truth. I just had my review and they suspended my benefits because I chose to comply with a different office other than my local office that has priority over my case. I learned by accident through the toll free operator. I never received a cut off notice stating why my benefits were stopped before my review took place. What I received was a notice after my review stating a huge over pyt caused by the idiot who input my son’s child support as gift money. My son’s father doesn’t pay family support but rather he pays me directly through online bill pay chks. Last time we went to court was 2002 suppt was ordered for $281. A year ago he started paying $400. Cost of living increase alone would call this fair. His father was helping to allow me funds to attend our son’s multiple basketball games since they charge admission, gas to drive to all the game locations, and car maintenance. They keep asking for one more thing, haven’t corrected this inaccurate overpayment, & haven’t cooperated with my advocate from the same law firm mentioned above. My health has suffered with the stress, anxiety, and depression of this unfair treatment. Why do they make me do yearly reviews when I haven’t worked since 2006. My health has deteriorated and I’ve been diagnosed with more problems putting me under critical management care. I’ve been receiving disability since 1977 as a child & now as an adult.I’m a single mom receiving SSI (medical/Medicare part A, B, & D), Social Sec, child support, SNAP for my son, & I have section 8. In Santa Clara county $1400 for a family of 2 is way under poverty guide lines & $2000 for SSI’s single person. How is my son’s income counted against me. I do not get cash aide or medical for my son. His father provides for our son. Social Sec keeps insisting it’s counted as my income. Why? I can barely pay my bills as it is. I hv a 24 yr old car w/ 221,000 miles & no credit cards.

    • Kay Derochie

      Dear Erin,

      Supplemental Security Income (SSI) benefits are calculated on a monthly basis and financial eligibility can change even if a person is still disabled. Accordingly, all SSI recipients undergo an annual review of benefits to be sure that the correct amount of SSI is being paid.I would say that the $281 ordered by the court is your child’s income and should not affect the amount of your SSI disability benefits. (If the child were the disabled person getting SSI, it would be counted as the child’s income.) If I understand correctly that your son gets to the games in a school bus,then it does sound like the extra $119 his father is paying is your countable income and should reduce your SSI because it is being used for your transportation and admission.

      I suggest that you file a formal appeal saying only $119 should be counted against your SSI and submit the child support order. You can also request waiver of repayment based on the overpayment not being your fault because you were thinking of it as child support because the money helps you provide moral support to your son. If the waiver is denied, you can request that the overpayment be repaid with small monthly withholding from your benefits.

      Sincerely,
      Kay

  • Vernon Goodnough

    My wife has a gross income of about 1200.00 a month and I was getting 731.00 per month in ssi. Once we were married my ssi went down to 350.00 a month because of her income. We only have one car and are buying a home so I am not sure why my income dropped so much. And she needs to decrease her work hours to about 30 hours a week do to health issues, with that being said will my ssi payments go back up.

    • Kay Derochie

      Dear Vernon,

      Your Supplemental Security Income (SSI) benefits are likely to increase with the reduction of your wife’s earnings. When you report the change, take all of your wife’s pay stubs to Social Security and ask them to be sure that her earnings have been correctly posted because the present reduction seems a bit high.

      Sincerely,
      Kay

  • hong

    My husband who is 70 receives retirement disability benefits of $1,262. He received his SSDI early because he got hurt on the job so his benefits was reduced before retirement. I’m turning 65 next year and was wondering should I apply for SSI benefits? How does his income affect me getting SSI? How do I calculate how much SSI I might get?
    I know we meet the asset/resource limit part. I myself do not have any work credit because I never worked been a mommy every since I came to US 40 years ago. My husband dont work either since he got hurt. If I apply for SSI does that means I’m applying for spousal benefits too because I don’t want to yet. I want to wait until my FRA (66). We both live off what he gets. My disabled daughter (34years) also lives with us and get about $600 under his work records
    TIA

    • Kay Derochie

      Dear Hong,

      Your husband’s Social Security Retirement is too high for you to get federal Supplemental Security Income (SSI). If you live in a state that has an SSI state supplement, you and he might be eligible for a small amount of SSI. If you apply for SSI, you will be required to apply for Social Security wife’s benefits on your husband’s account.

      Your application for wife’s benefits may reduce the amount being paid for your daughter. I suggest that your husband contact the Social Security Administration to find out the amount of his family maximum benefit and to double check the amount of his gross Social Security before withholding for Medicare or taxes. The difference between the family maximum and his benefit is the amount payable to his dependents. If difference will be split between you and your daughter. For example, if the $800 is payable, you will each get $400. If the family maximum benefit is already being paid out to your husband and your daughter, your application will result in your getting $300 and your daughter getting $300.

      Sincerely,
      Kay

  • nisha

    Hello, My son was found fully favorable for SSI and I work and receive $257.00 in childsupport, will he get the full benefit amount?

    • Kay Derochie

      Dear Nisha,

      If the child support is for your disabled child, his Supplemental Security Income (SSI) benefit will be reduced by $237 a month. Whether or not there is a deduction for your work earnings depends on how much you are making and whether you support other children. You can calculate an estimate of his benefit by using the formula of example calculation in the article “What Are Deemed Income and Resources and How Do They Affect an SSI Application for Children?”, which can be found under the SSI tab at the top of this page.

      Sincerely,
      Kay

      • nisha

        I make 8.50 a hour get paid every week and he’s my only child

        • Kay Derochie

          Dear Nisha,

          Please refer to my prior response, which provides information on how you can calculate an estimated benefit for your son.

          Sincerely,
          Kay

  • Matti

    Hello, any response is welcome. My 4 year old son was recently diagnosed with autism and I’m just trying to understand the logistics and nuances of ssi. I’m 24 and currently unemployed while living with my parents, actually my whole immediate family does at the moment. That will change in a few months but I will still be there. I’m wondering is everyone’s income included or only mine.

    • Kay Derochie

      Dear Matti,

      Only your income will be considered in determining your son’s financial eligibility for Supplemental Security Income (SSI). If, however, your son is receiving free food and housing from your parents, the free support and maintenance from them will count as income to lower his benefit.

      Sincerely,
      Kay

  • John

    Sorry i mean how much she might get back after my income is deemed to her

  • John

    My wife makes 720 in ssi and I just started working.. I will be making about 1500 a month .. Can you please give a rough estimate of how much my income is going to be deemed to her.. I also work far from home and i was thinking about moving closer to my work but my wife wont be moving in with me.. Will i still be eligible for deeming if we live separately but still married..

    • Kay Derochie

      Dear John,

      While you are living together, your wife’s SSI will be reduced to about $26 because of your $1,500 monthly work earnings. She needs to report your new income right away to avoid overpayment. Her benefit will first be reduced two months after the month in which you are first paid. Deeming of your income to your wife will stop the month after you leave the household, assuming you do not live there regularly on a part-time basis.

      Because your income will not be considered in determining your wife’s Supplemental Security Income (SSI) payment, any money you give her or any rent/mortgage, utilities (heat, power, water/sewer or garbage) or food that you purchase for her will (paying directly to the landlord or provider) will count as income to her and reduce her SSI if it is more than $20 monthly.

      Sincerely,
      Kay

  • Frances

    My husband has been on SSDI for about 10 years. As of 2015 the monthly benefit being paid to him is 1215. I recently applied for SSI because my doctor said I should. We pay 678 a month in rent and our truck is only worth 700. We get 214 infood stamps. With all this said will I still qualify for ssi? They were also saying they maybe able to pull from his earnings to receive it. If I do qualify how much am I looking to receive?

    • Kay Derochie

      Dear Frances,

      If you and your husband do not have minor children living in your household, your disabled husband’s income of $1,215 is too high for you to receive a federal Supplemental Security Income (SSI) payment. Some states have SSI state supplements; and if you live in one of those states, you might qualify for a small state supplement. For you to receive wife’s benefits on your husband’s earnings record you must be either age sixty-two or older or have your husband’s child or dependent stepchild under age sixteen in your care.

      Sincerely,
      Kay

  • Eva iglesias

    Hi,I’m married last oct.to an ssi recipient but I have a place in NY and we live in nj,I’m only home 2 days a week.is my income counted to as a household income,I pay my own bills too .

    • Kay Derochie

      Dear Eva,

      Your spouse should report the marriage immediately and get a formal determination from the Social Security Administration regarding whether you are considered in the same household with the SSI recipient. If so, not only your income, but also your property in New York (if you own it or are buying it) will be considered in determining your spouse’s SSI eligiblity.

      Sincerely,
      Kay

  • Dear Kay, my son was approved for ssi recently but was denied because of nonmedical reasons can he still become eligible if my boyfriend is counted as my spouse. I have land that valued at $7000. But my boyfriend doesnt have any income.

    • Kay Derochie

      Dear Pamela,

      First, your boyfriend can not be counted as your spouse because you are not married. Even if you were, your property would still make your son ineligible. Your son has been denied because you have land worth $7,000 which could be sold for cash to support your son.

      If you sell the property and spend down the money gradually over time (usually at a rate of $733 per month, which the maximum SSI federal payment amount) until your countable assets are below $4,000 (assuming your son doesn’t have assets of his own) or use it or part of it to buy an excludable resource such as a car if your don’t have one or certain life insurance policies or to pay medical bills for yourself or your son, then he will be financially eligible in terms of resources.

      Sincerely,
      Kay

      Sincerely,
      Kay

      • Thx Kay, but I dont want to sell my property I want ti move back on it, so what would happen if I bought a manufactured home and placed it on the property.

        • Kay Derochie

          Dear Pamela,

          If you and your child live in the manufactured home on the property, the property and home would become an excluded (not counted) resource the month after you moved in.

          Sincerely,
          Kay

          • Thx Kay I was told that I would have to prove how I was able to put a down payment on it. I work also . Thx you so much for the info.

            • Kay Derochie

              You are welcome, Pamela.

  • Meaghan

    Hi! I have a family of 8 (6 children) 4 receive children’s benefits for deaf/blind for $6376 a piece.. My husband also receives benefits of $888 for his disability and all six children collect $63 a month from that. I recently graduated nursing school and will be making approximately $3400 I am wondering how to calculate my family’s payments now because it’s an unusual situation .Thanks for the help!

    • Meaghan

      I meant $676

    • Kay Derochie

      Dear Meaghan,

      First, I suspect that there is a typographical error in the amount of benefits that you said your children receive, presumably from Supplemental Security Income (SSI). With two ineligible children and deemable income from you being split among four children, the children will probably remain eligible for SSI. You can calculate an estimate using the formula in the examples in the article “What Are Deemed Income and Resources and How Do They Affect an SSI Application for Children?”, which can be found under the SSI tab at the top of this page.

      Sincerely,
      Kay

  • TASHA

    MY SON IS 9 YEARS OLD AND HE HAS A HOST OF BEHAVIORAL AND EMOTIONAL PROBLEMS… ADHD, DISRUPTIVE BEHAVIOR DISORDER, A NON SPECIFIED MOOD DISORDER, GENERALIZED ANXIETY DISORDER

    HES BEEN IN 2 PARTIAL HOSPITAL PROGRAMS, ONE INPATIENT UNIT FOR 3 MONTHS AND JUST RECENTLY PLACED IN A CHILDRENS PSYCHIATRIC GROUP HOME….HE HAS VERY VIOLENT OUTBURSTS
    AND VERY UNSAFE I LOST MY JOB A FEW YEARS AGO BECAUSE OF HIS EMOTIONAL STATE. I HAD TO STAY HOME WITH HIM AND I WAS ORDERED TO ATTEND MANDATORY THERAPY SESSIONS.
    I HAVE TO ATTEND TWO THERAPY SESSIONS A WEEK , A TREATMENT MEETING EVERY MONTH. AND ALSO I HAVE TO PICK HIM UP ON FRIDAYS AND BRING HIM BACK SUNDAY AS PART OF HIS TREATMENT PLAN TO TRANSITION BACK HOME….. I WAS ORDERED BY THE JUDGE AFTER HE PLACED IN THE INPATIENT UNIT…. THAT I WAS TO DO THIS AFTER HE WAS PLACED IN THE GROUP HOME. BECAUSE OF THIS I CANNOT WORK… I DID GET A JOB AND WORKED IT FOR A DAY AND COULDNT GO BACK BECAUSE I HAD TO ATTEND HIS APPOINTMENTS….. ITS VERY STRESSFUL FOR ME… I GET CHILD SUPPORT FOR MY DAUGHTER $284.00 A MONTH
    AND OF MY 313.00 IN PUBLIC ASSISTANCE AND OUT OF THAT 313.00 I HAVE TO PAY $134.00 OUT OF THAT MONEY FOR MY RENT TO THE WELFARE OFFICE AND THEY PAY THE REST FOR MY APT. ITS CALLED TEMPORARY RENTAL ASSISTANCE I LIVE IN A TWO BEDROOM APARTMENT IN A REALLY BAD NEIGHBOORHOOD. I GET FOOD STAMPS. SO IM LEFT WITH 179.00 FOR THE MONTH FROM PUBLIC ASSISTANCE. AND 284.00 FOR MY DAUGHTERS CHILD SUPPORT. SO THATS 463.00 A MONTH FOR THREE PEOPLE.

    MY SON WAS DENIED AND WE ARE WAITING ON A HEARING DATE I FILED FOR THE HEARING IN SEPT. 2014…. DOES MY DAUGHTER CHILD SUPPORT COUNT AS INCOME FOR US RIGHT ??? ITS NOT FOR MY SON ITS FOR MY DAUGHTER BUT DOES THIS STILL COUNT AS INCOME ??
    NO I DO NOT HAVE A CAR I HAD A CAR IN 2011 AND IT WAS TOWED AND I DID NOT GET IT BACK SO I DONT HAVE A CAR OR A BANK ACCOUNT OR ANYTHING I JUST HAVE A PREPAID DEBIT CARD THAT MY CHILD SUPPORT COMES ON…. I DONT HAVE MUCH OF ANYTHING BUT THIS APARTMENT THAT WELFARE PUT ME IN AFTER WE GOT OUT OF A SHELTER… WE ALL RECEIVE MEDICAID…… NO EMPLOYER WILL TAKE ME ON BECAUSE OF MY SITUATION. I CANT STAY AT A JOB BECAUSE I CANT WORK WEEKENDS BECAUSE I HAVE MY SON AND I HAVE HIS APPOINTMENTS THAT I MUST MAKE DURING THE WEEK OR HE WILL NOT RECEIVE SERVICES OR MEDICATION. AND HE NEEDS HELP DESPERATELY…. MY SON HAS TWO IEPS FROM TWO DIFFERENT SCHOOL DISTRICTS THAT HAVE CLASSIFIED HIM AS EMOTIONALLY DISTURBED I HAVE HOSPITAL PAPERWORK FROM THE CRISIS UNIT PAPERWORK FROM BOTH HOSPITAL DAY PROGRAMS HE HAS BEEN IN. AND ALL OF THE SCHOOLS THAT HE HAS BEEN IN….. I DONT KNOW WHY HE WAS DENIED BUT NOW I JUST HAVE TO WAIT…. BUT AS FAR AS INCOME I GET UNDER 500 A MONTH… DOES THIS ALL COUNT AGAINST ME… ?

    • Kay Derochie

      Dear Tasha,

      Your family’s welfare payments, housing assistance, and food stamps will not affect the amount of SSI that your son will be eligible for if he is approved; however, it is possible that some of his back pay will be withheld for some or all of the cash assistance that you have received for him while his claim has been pending. If that is the case, the Social Security Administration will withhold the amount to be repaid from your son’s back benefits and send it directly to the welfare department. Because you do not have any countable income of your own, the fact that your daughter receives child support will not affect your son’s benefits. If some later time, you begin to work, the amount of income that is excluded for your daughter’s will be lower because she has some income of her own (child support). In this situation your son’s SSI might be reduced. This would occur only if you were earning more than the earned income exclusions and the exclusion of income for your own support. (Also see my response of yesterday to your other question.)

      Sincerely,
      Kay

    • Rose

      Hi Kay,

      I have a question, my son he is 11 he received SSI $600.00 a month base of my husband income we have 2 children and I am received IHSS as a my son provider.
      My question is my IHSS income count as an income for SSI?
      Thanks

      • Kay Derochie

        Dear Rose,

        The IHSS payments for caring for your disabled son are not countable income for SSI. If you were receiving IHSS payments to care for another person, not your son. They would be countable income. You should, however, report the income.

        Sincerely,
        Kay

  • Nan

    My husband will start drawing social security and when he does I am going to apply for ssi. Will his social security count as income on my application?

    • Kay Derochie

      Dear Nan,

      Yes, your husband’s Social Security will be considered in determining whether you are financially eligible for Supplemental Security Income (SSI). If he is either disabled or age sixty-five or older, you will be treated as a couple financially and his income will be considered in determining the amount of SSI he and you can receive. If he receives reduced retirement benefits before age sixty-five, part of his income will be excluded for his support and any excess will be deemed to you to reduce the amount of SSI payable to you.

      Sincerely,
      Kay

  • Desiree

    Kay, Thank you so much for your answers. Aside from being very helpful the response was faster than I ever expected.

    • Kay Derochie

      You are welcome, Desiree.

  • Desiree

    Hello again, sorry I have an additional question. My 14 yr old son who will turn 15 in a month has been offered a part time job as soon as he turns 15, it will only be a few hours a month. Will this income be held against me? He was planning to start saving it for a car.. eventually.

    • Kay Derochie

      Dear Desiree,

      Your son’s work earnings will not affect your Supplemental Security Income (SSI). Also see my response to your previous question.

      Sincerely,
      Kay

  • Desiree

    Hi. I am a single mother with a 14 yr old son. My husband left me over a year ago although we have not yet divorced. Recently I was found to full disabled and approved for SSI. This is my only source of income, aside from SNAP benefits, and I support both my son and I with my $733 a month. Recently I told my soon to be ex that I was going to take him to court for child support since he has paid nothing in many, many months and doesn’t even see his son. He stated that he will fight me on this because whatever money he gives me will just come out of my check, except for the $20 of course, and thus he would also be paying for my care. Does receiving child support really effect my check like that? It seems unfair if it does because I thought that the SSI was considered to be for me and I really need the child support to buy my son clothes, pay for his activities, ect ect.

    • Kay Derochie

      Dear Desiree,

      Supplemental Security Income (SSI) law considers child support to the child’s income. Your SSI will not be reduced if your child gets child support from his father.

      Sincerely,
      Kay

  • Bill

    my wife was just approved for ssi dating back to 2012. then I only made about $22,000 per year just starting this year I will be getting close to $40,000 per year, we have two children and 2 vehicles just trying to figure out what the possible per month payment would be. tried calling ssa and got no where.

    thank you
    bill

    • Kay Derochie

      Dear Bill,

      Supplemental Security Income (SSI) payments are calculated on a month-by-month basis. For the months that your annual salary was $22,000 ($1,833 a month), her benefits will be based on that income and the months that you were being paid at the higher salary will be based on the higher income. You can estimate the payment calculation by using the formula in the sample calculation shown in the article under which you posted this question.

      Resources (what you own) such as two cars do not determine payment amount, but they do determine eligibility. Allowable countable resources for you and your wife is $3,000. One car, usually the more valuable is excluded. Usually the value of the second car counts toward the $3,000 limit. The value is the retail value of the car less any amount owed on it.

      If the second car puts your wife over the resource limit and if you can prove that both vehicles are needed because your family cannot take care of its needs with one vehicle and the usof public transportation, you might be able to get the car you use to go to work excluded as an income-producing property and the other car excluded under the general car exclusion.

      Sincerely,
      Kay

  • Patricia Anderson

    My question:
    I currently receive SSI in the amount of $730/month.
    My husband is currently looking at taking is disability after many years of suffering with Degenerative Disc Disease and arthritis.
    However, I am unsure how to find out if his SSD would effect or nullify my ability to get SSI?
    Thank you!

    • Kay Derochie

      Dear Patricia,

      If you can give me an estimate of the amount of Social Security Disability (SSDI) your husband would receive if approved, I can give you a general idea of the impact on your SSI benefits. He can get an estimate by going to http://www.ssa.gov and creating a “my social security” account. Once the account is set up, he can request an earnings statement (not a benefit statement) online. The statement will give him an estimated disability benefit.

      Sincerely,
      Kay

      • Patricia

        Hi Kay,
        Yes, his estimated SSDI would be about 680.00/month

        • Kay Derochie

          Dear Patricia,

          The current maximum Supplemental Security Income (SSI) couple rate is $1,100. Your and your husband’s incomes will be considered in determining the amount you are eligible for as an eligible couple. If your husband’s Social Security is the only income the two of you have, then your couple benefit will be $440 and you would each receive $220 SSI. $1100 – $660 ($680 – $20 exclusion) = $440 / 2 = $220.

          Sincerely,
          Kay

          Sincerely,
          Kay

      • Patricia

        What I guess I am not understanding is if they count it as:
        husbands SSDI: 680.00
        my SSI: 720.00
        Total: 1400.00
        Thus—- over the income guideline total

        Or.
        If in the calculation of my SSI it does not count my amount in trying to figure my amount. such as:
        His SSDI: 680.00
        Thus–under the income guideline total.

        I mean.. between the both of us.. we would only be living on 1400.00 a month with neither of us being able to work and in our state, it would be removing me completely for any medical coverage by medicaid (and I am under medical care for Systemic Lupus/Fibromyalgia and deafness).
        It just doesn’t seem right that my benefits would cease and leave me with nothing, just because my husband now needs to draw his Social Security at this time.

        • Kay Derochie

          Dear Patricia,

          Please see my response of a few minutes ago to your earlier post. SSI is not countable income for calculating SSI benefits. Only other income is counted in the calculation.

          Sincerely,
          Kay

  • Kelvin

    I just turned 18 years old. My sister is currently 7 years old and receiving SSI. Does my assets or income affects her from receiving it?

    • Kay Derochie

      Dear Kelvin,

      Your income does not affect your sister’s Supplemental Security Income (SSI). If you and she were receiving Social Security dependent benefits and your benefits stopped because you turned eighteen, depending on the family maximum benefit, her Social Security benefit could go up.

      Sincerely,
      Kay

      Sincerely,
      Kay

  • Jessica

    I am a single mother of three children… My 13 yr old son was approved for SSI Last year .. My question is this…When I applied for my son I was only making $700 a month… Now I making $1300 a month. Will this affect is SSI payment? Right now he is getting the maximum payment for our state. Also this is the first time i will be filing taxes and the person who prepares my taxes said I need a SSA 1099 form but other ppl told me that it is not needed?!

    • Kay Derochie

      Dear Jessica,

      Supplemental Security Income (SSI) is a public assistance payment and, therefore, is not taxable. If you have not already reported your increased income, you need to do so as soon as possible because you are close the amount of earnings that would cause a reduction in your son’s benefits. If you get an “extra” paycheck every three months or every six months, your son is probably overpaid in those months. You should ask to be set up in SSI’s monthly reporting system so that you can report your monthly earnings by telephone each month.

      Sincerely,
      Kay

  • sema ozalp

    My mom was eligible for SSI, and my father earn $680 from retirement in Turkey, they deducted 680 from 733 and they are paying her $73 per month, which couldn’t make sense to me. They should be considered low income and still receive this money. Plus, my dad is not living in the same household. I wonder whether they did this correct. Thanks.

    • Kay Derochie

      Dear Sema,

      If your father is not living with your mother and he does not send her money, then his income should not affect her Supplemental Security Income (SSI). She needs to go to Social Security with any proof she has that he is living in Turkey. If there is a language barrier, she should take someone with her to interpret.

      Sincerely,
      Kay

      • sema ozalp

        Thank you Kay, and if my father lived here, is $73 a correct calculation, since it should at least be deducted from $1081 which is for 2 people. Also, since they are living with me they assume they don’t have any expenses, whereas they contribute to some expenses.

        • Kay Derochie

          Dear Sema.

          If your parents were living together and both were either disabled or over age sixty-five, their combined benefit would be $1,100 (2015 COLA increase), less all but $20 of the income that your father receives, less the value of any free or subsidized housing and food. The resulting amount payable would be divided between the two of them and issued in separate checks.

          If your mother, who I understand is now living with you, is contributing to shelter and food expenses and her benefit is being reduced for in-kind (non-cash) support and maintenance, I suggest that when you and she visit Social Security to establish that your father is not in the household and to ask for a redetermination of living arrangements that you take bills as proof of the costs and be prepared to make a statement regarding the members of your household and the amount your mother is contributing. Perhaps a redetermination will result in an increase.

          Sincerely,
          Kay

          • sema

            Thank you Kay, you have been very helpful. My mother is the only one receiving SSI, since my dad is not a citizen anyway. But, they deducted all his income for $680 instead of $20, and she ended up with 733-680=73/ montly. This does not meet any of her expenses at all. Thank you.

            • Kay Derochie

              Dear Sema,

              Clearly a mistake has been made. Take the actions I suggested to prove they don’t live together and it should be corrected retroactively.

              Sincerely,
              Kay

  • kc

    im on ssi an receive 500 a month plus I work an get 800 a month from that , im getting married this year, she makes 1200 a month . how do I calculate how much I will get from ssi after im married ? whats the formula ?

    • Kay Derochie

      Dear KC,

      You can use the example calculation in the article “What Are Deemed Income and Resources and How Do They Affect SSI Payment Amounts and Qualifying for SSI Disability?” under the SSI tab at the top of every page on this website. (The figures are currently for 2014, but within a couple of weeks, they will be updated to 2015 figures.) Be sure to use gross figures for the work.

      Sincerely,
      Kay

      • crystal barham

        My husband is the only one working,and grosses 2600 a month. we have 2 daughters. My oldest that’s 10 has add/adhd. My dad passed in may and I’ve been struggling with grief. High anxiety, mood swings and all. I applied my oldest today w ssi. There is no unearned income from anyone. How much would my daughter get if she’s approved? Should I apply for my depression and if so how much would it get? I tried the formula and our countable income is higher than the ssi payment of 1100 for couples. Am I doing this right? Also, we r currently paying on a house and own 2 vehicles that r paid off

        • Kay Derochie

          Dear Crystal,

          The first financial review is of resources (assets). The Supplemental Security Income (SSI) program allows you and your husband to have $3,000 countable resources including accounts,cash, some kinds of life insurance, second vehicles, etc. The vehicle with the lower value will count toward that limit. If your assets are over $3,000, you will not be eligible. However, your daughter could be if her countable assets are $2,000 or less. Any excess about $3,000 you and your husband have will count toward her limit.

          If you and your daughter have assets within the limit, based on your family income and family composition, if only your daughter is eligible, her benefit would be the maximum $733. If you also apply and are approved, your benefit would be about $26, and your child’s would be $733. In most states SSI eligibility leads to Medicaid eligibility also.

          Sincerely,
          Kay

  • kay

    my son is approved for ssi, however the ssi income limit is two thousand dollar in resource and asset per household, i do not work but my husband makes about 2100 per month, we have two cars and eight other ineligible children in the house..will he still be eligible if the income limit is over.? Does having that many other children make a difference in his eligibility at all.. because my husband makes over the 2000 limit we still have to support them.. confused, please let me know..

    • Kay Derochie

      Dear Kay,

      You are mixing up income and resources (assets). Money coming in is income and resources are what you own. Your husband’s income is withing the limits for your child to receive SSI. The resource limit is $3,000 for you and your husband together. Your child has a separate resource limit of $2,000. If your resources are over $3,000, the excess is deemed to belong to your son. For example, if you have $4,000 countable resources, then $1,000 would count toward your child’s $2,000 limit.

      You say that you have two cars. Usually only one car is excluded. The value of the less expensive car usually counts toward the resource limit. If you owe on a car, its market value reduced by what you owe on it is your equity. The equity is the countable amount.
      If for some reason your family cannot get along with one car, you could explain the reason (need one for work and the other for medical and can’t use one for both needs), the second vehicle might be excluded as well.

      Sincerely,
      Kay

  • Mike Gallagher

    Hi, I just recently received SSI award. I live with my Son non-ssi and spouse non-ssi and myself SSI Disable. My wife is the only one with income of 1200 a month. No public assistance other than public housing and they awarded me only 269.50 a month in ssi benefits. I do not believe this to be correct as per as this site explains the calculations of a spouse with income that is non-ssi eligable but the spouse is it should be calculated as the couple FBR rate. Even so if it is not then I am at least not getting any of the deductions for the child who is 9 in elementry school and under both of our care. Any help would be appreciated. I believe that I should be getting more per month.

    Thanks

    • Kay Derochie

      Dear Mike,

      Make an appointment with a Social Security claims representative to have the calculation of your benefit explained. The child’s support will be considered in calculating your benefit only if the child is your child, not a grandchild, unless you had adopted the grandchild or the parents were deceased or disabled. Your benefit may be reduced for more than your wife’s work if you and your wife are not paying your share of shelter costs (rent, power, heat, water/sewer and garbage) and your share of food if you share food with your son and his spouse.

      Sincerely,
      Kay

  • MiSSY

    I am currently getting SSI, and i just got custody of my four children, i am going soon to the local office to show proof that i now have custody, and the children are in my care.Will this effect my ssi amount at all? I have no other income except the SSI, i do get food assistance but only for myself at this time, kids havent been added to my case yet, however all there info has been turned in. Will i get additional money for the children being added, or will my ssi, remain the same?

    • Kay Derochie

      Dear Missy,

      Your Supplemental Security Income (SSI) will not go up because you have your children in your care. I suggest that you apply for Temporary Assistance for Needy Families and medical coverage for your children at your state or county social services office at the same time as you apply for food stamps for them.

      Sincerely,
      Kay

  • Debby

    My cousin is 63 y.o. She gets ssi of $721/month. She will soon be receiving about $480/month from the pension of her divorced husband (it was in the divorce that she receive this). She is currently living in a motel(homeless-waiting for apartment based on income to become available). She receives about $150/month in food stamps. How will the pension amount of $480 affect her SSI payment?

    Thank you

    • Kay Derochie

      Dear Debby,

      Your cousin needs to report as soon as she starts to receive the pension payment. Her SSI will go down two months later by $460. (the first $20 of the income is excluded.)

      Sincerely,
      Kay

  • michelle

    I applied for ssi for my 15 years old daughter..last month I went to the hearing appeal..because im working there its a possibility of denied?(for my income)..the agency pay me 9.50 an hour for 40 hours a week.

    • Kay Derochie

      Dear Michelle,

      Assuming that you and your daughter do not have other income, your earnings are low enough to allow payment.

      Sincerely,
      Kay

  • essy

    My net pay is 800 in 2 weeks. I have 3 children. One is disabled they are all on medicaid . I receive 174 on food stamps. I get 500 on child’s support can I qualify for ssi.

    • Kay Derochie

      Dear Essy,

      Supplemental Security Income (SSI) income calculations are based on gross income. I don’t know what your gross wages are; however, if the $500 child support is not all for the disabled child, your disabled child will likely qualify financially for SSI. Even if the child support is all for the disabled child, I believe that he or she may qualify for a small benefit. I suggest that you file an application to have your finances reviewed. If the child qualifies financially, you will be asked to complete the medical portion of the application. In order not to potentially lose benefits, start the application before the end of January by calling 1-800-772-1213 and requesting an appointment to apply. Note the date as that will be the application date.

      Sincerely,
      Kay

  • cynthia

    I get $721 a month from ssi. I was wondering how my income will be affected if I get married. My soon to be husband makes about $800- $1000 a month. And about $100 is taken out a month for insurance and his 401k.

    • Kay Derochie

      Dear Cynthia,

      Your husband’s gross wages before taxes or other deductions will be considered in determining whether you continue to be eligible for Supplemental Security Income (SSI) and, if so, for how much. You can estimate the amount of your benefit by following the calculation example in the article “What Are Deemed Income and Resources and How Do They Affect SSI Payment Amounts and Qualifying for SSI Disability?” found under the SSI tab on this Disability Advisor website.

      Sincerely,
      Kay

  • Winifred

    Hello i read your article and was curious. Today i recieved a call from SSI, i am currently applying for my son who has Autism. When asked about my boyfriend, we are honestly not married but he is the father of my second child, the person had said they had to change my applicaton because we are surviving as a couple. They had sent us a relTionship questionare ans the woman on the phone had said i did not have to fill that out anymore. He only pays half of rent, i pay for daycare for both children and half of rent. Why is it needed for them to change my application now to “couple” and to include his income? Especially if ihad them in my interview the same details?

    • Kay Derochie

      Dear Winifred,

      If your boyfriend is the father of your disabled child and living with the child, then both your incomes count in determining your child’s eligibility. If he is not your disabled child’s father, the situation may be more complicated when applying deemed income rules because of your having an ineligible shared child, also in the same household. If the latter situation applies, then I suggest that you be sure you understand fully the explanation you are being given for how the benefit is calculated and request a copy of the POMs regulations they are using to make the decision–just to be sure it’s being done correctly.

      Sincerely,
      Kay

      • jays mom

        I moved in with my on n off again boyfriend back in 2013. Based on taxes information im not his dependent or my disabled son isn’t his dependent because he isnt his biological son. We r counted as 2 separate households. His dependents r his son from his previous marriage n our child. I dont have income. Would his income count against my sons benefits in Washington state?

        • Kay Derochie

          Dear Jay’s Mom,

          Your boyfriend’s income will not affect your child’s Supplemental Security Income (SSI) benefits. Your all living together will not affect his SSI benefits as long as your son pay’s his share of shelter expenses and food. Shelter expenses are rent or mortgage, property tax, and if required by the lender property insurance, power, heat, water/sewer, and garbage. His share is the total expenses divided by the number of people in the household.

          Sincerely,
          Kay

  • Heli Washington

    I just got married i am on ssi have been since i was a child. I am totally disabled my husband’s income is less than 2,000 a month that is if he works every day. I just lost everything by marriage. I belive the worker miss added all this i should still qualify for something ie;Medicaid, a little bit of money, or is this fair in my state of health?

    • Kay Derochie

      Dear Heli,

      Supplemental Security Income (SSI) is a public assistance program for disabled or aged persons. It is intended to pay for shelter and food; you are not now eligible because your husband’s income is high enough to provide those things for you. With regard to medical insurance, if your husband has insurance through his employer, he may be able to add you to the policy. If not, you can apply for insurance through the Affordable Care Act. Your husband’s income may be low enough to allow some government subsidy for payment of premiums.

      Sincerely,
      Kay

  • Jessica

    My fiancé is receiving ssi. How does that affect my income if we were to get married? Will money be taken from him? Do I have to pay money back? This whole “deeming” thing is confusing. I do get that income becomes joint income once married but as for the ineligible spouse what happens to their income?

    • Kay Derochie

      Dear Jessica,

      If you get married, part of your income may be deemed available for his support. Whether or not his Supplemental Security Income (SSI) continues after your marriage will depend on the amount of income you have and whether it is earned from work or is unearned income and also on whether either of you has children you are supporting. You can ask Social Security to calculate an estimate prior to your marriage.

      Sincerely,
      Kay

  • Kevin

    Hi, Im currently on SSI and recieve 480$ a month. Im having some deductions for being homeless. My question is if I marry a person who recieves SSDI will my benefits be reduced or will hers ? Her child receives a SSDI check also. There is only 1 vehicle, very little assets, well below 3,000$ in assets.

    • Kay Derochie

      Dear Kevin,

      If you marry, your wife’s and stepchild’s Social Security benefits will not be affected. Whether or not you will continue to be eligible for Supplemental Security Income (SSI) benefits and, if so, the amount you will be eligible to receive depends on the amount of your wife’s and stepchild’s Social Security benefits. You can visit a Social Security office with the amounts they receive and get a preview of what the situation would be.

      Sincerely,
      Kay

  • Scott Bassett

    My son was just approved for SSI and his first direct deposit was made today. When he applied, he was living at home and we were buying his food along with the family’s food. As a result, his benefit his reduced to $480.67 per month. I am his representative payee.

    Because he is 25 and his choices create conflict at home, he is going to get his own apartment. He will be living along. How do we report this change? What is his new benefit likely to be and how long does it take to process the change? Can he then apply for SNAP benefits?

    • Kay Derochie

      Dear Scott,

      You need to report his move as soon as it occurs. After he has no longer been receiving financial assistance from you for two months, his Supplemental Security Income (SSI) will increase to $721 a month if he has no other income. Because of the lag time before the increase, he may have to wait till he gets his first back-pay benefits to help with the transition. He can apply for SNAP benefits, which will not reduce his SSI. As his payee, you should pay his rent and utilities directly to the landlord and utility companies and make his other primary purchases such as a bus pass, clothing, medical co-pays directly. The remainder of the money is best dispersed to him in weekly installments for incidentals.

      Sincerely,
      Kay

  • Jane smith

    I am planning on getting married next year and My son just was approve for ssi 551. I also get ssi of 721… My Soon to be spouse makes 3000 a month. We have no other access other then the car I own and the one he is paying on… How much of his income will be considered deeming income since me and my son is disable.

    • Kay Derochie

      Dear Jane,

      Please see my response to your previous posting. You and your husband will have an asset limit of $3,000. One car does not count toward the asset limit.

      Sincerely,
      Kay

  • Mayra

    I am a single parent and the payee of two of my adult children who received SSI. I also get pay through IHSS as a caregiver for both of them. I receive food stamps for myself as what I get pay from IHSS is below $800.00 dollars. I was looking to see if people in our circumstances can buy a home as I believe is the best setting for them as when I die they would have a place to live and not have to deal with any landlord removing them from where they live for any reason. My question is if the two loans I am planning to apply one for the home loan and one silent for the down payment for the closing cost go through and we get a home how ill that affect their SSI payments? We are currently in section 8 but because I don’t make enough I don’t qualified under their program and also because where we live there is no help for first time home purchase I would have to move and again would not qualified because what is mention before. So what I plan to do is to leave section 8, get the house and have this being pay like we now pay our rent, each paying 1/3 of the rent. Is this something allow by SSI? Also I have sickle cell anemia but have not apply for SSI and hopefully won’t ever have to, but I am mentioning it, because I would like to know what will happen when I die, since my two disable kids will also have ownership of the home, will they be allow to continue in the house and will they still get SSI? and if when they die will their brother get the house or will this became part of the state? I need to know before I make any changes, as I worry about their welfare and I would not want to do anything that would jeopardize their well being.

    • Kay Derochie

      Dear Mayra,

      I will respond to your questions that relate to SSI. If the house down payment is made to you only and the house is in all three of your names (yours and your two sons’ names) then your making the down payment will probably count as income to your two sons in the month that you pay the down payment. However, the maximum reduction would be for one month and would be $241 each. After that if you and each of your son’s pays one-third of the mortgage payment, your sons’ SSI should not be affected. I suggest that you get legal advice regarding the best way to leave the house to your brother upon your and your sons’ death.

      Sincerely,

      Kay

      Sincerely,

      Kay

      • penny

        I’m about to marry soon and my daughter/ his soon to be step daughter receive Ssi 714 monthly, he only make 15 dollars and hour and I’m low income because I’m in grad school. Will they consider is whole income as my income after we are married and cut her off?

        • Kay Derochie

          Dear Penny,

          If you have little or no income to add to your husband’s income, your child’s Supplemental Security Income (SSI) will be reduced, but she will likely continue to be eligible for some benefit. You can use the sample calculation in the article on deemed income to children under the SSI tab at the top of each page of this Disability Advisor website to work up an estimate. Report as soon as you get married and take proof of your husband’s earnings and any income you have and ask Social Security to calculate future benefits.

          Sincerely,
          Kay

  • Nicho

    I mean no disrepect, however aren’t some of these if not most seem a bit absurd and frankly over the top. It’s enough to make anyone reconsider the horriblely long application process in a most cases. It looks like sis is trying to make it more difficult then need be. I feel sorry for those who are seriously in desperate need of help. My prayers go out to y’all. You can guarantee only God can help the approval on a system that operates in such fashions as these. Blessings!

    • Kay Derochie

      Dear Nicho,

      People who are looking help for their claims are usually the people whose claims are taking the longest to get processed or are the hardest to get approved. Many claims go through more smoothly. In any event, if a person cannot work, it is worth the effort, time, and patience to pursue a needed source of income.

      Sincerely,

      Kay

      • stephanie blackburn

        Yes ma’am Kay are you there please help me

        • Kay Derochie

          Dear Stephanie,

          I do not see any question from you. If you have a question, please post it.

          Sincerely,
          Kay

          • Ashley

            I got approved for my ssi. I have 4 children all the age 10 and under. My husband grosses 2,200.00 a month (maybe a few dollars more) the oldest 3 children receive 323.10 in child support each month. The youngest doesnt receive anything. He pays child support to his children bi weekly. How much will my check be?

            • Kay Derochie

              Dear Ashley,

              I expect your child’s SSI benefit to be $733.

              Sincerely,
              Kay

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