Supplemental security income (SSI) benefits are helpful for many vulnerable people. Those who are blind are often eligible for SSI because their vision issues affect their earning potential.
Older adults living on retirement benefits and those unable to work because of their medical challenges may be eligible for SSI benefits. SSI is accessible even to those who may not qualify for Social Security Disability Insurance (SSDI) benefits because they have not maintained gainful employment for long enough to qualify. Even minor children may receive SSI benefits in some cases.
The living arrangements of the person applying for SSI benefits can influence their eligibility and how much they receive in SSI. Let’s look at how that can happen.
Living arrangement rules are complex
Living with family members can help people afford their basic cost of living expenses, including the cost of shelter and food. However, the support they receive from their household members can affect how much they receive in SSI benefits. In scenarios where outside parties or state benefits cover meal expenses, however, that support does not affect SSI eligibility.
Additionally, those receiving support from their spouses and minor children receiving support from their parents do not need to worry about that assistance affecting their SSI benefits. However, those living with friends or extended family may receive less in SSI if they do not contribute to their food and housing costs. Those receiving food support that provides all of their meals may also need to report that assistance.
Reviewing current finances and living arrangements can be critical for those seeking to apply for SSI benefits or optimize the benefits they receive. Both shelter and nutrition assistance can influence SSI eligibility. Applicants may need help reviewing financial records and completing the SSI application paperwork.