The Social Security Administration (SSA) recently announced three significant changes that will directly impact individuals relying on the Supplemental Security Income (SSI) program. These changes are designed to ease the financial burden on low-income Americans, the disabled, and children eligible for SSI benefits.
With millions relying on SSI to meet their basic needs, it’s essential to know how these updates will influence future payments and overall eligibility. Let’s break down the key modifications and what they mean for current and potential SSI beneficiaries.
In-kind Rule
One of the most impactful changes is the adjustment to the In-Kind Support and Maintenance (ISM) rule. Previously, if friends or family provided food assistance to an SSI applicant, this could affect their eligibility. However, under the new rule, the SSA will no longer count this type of assistance against the applicant’s SSI benefits. This change could mean a boost in monthly payments for over 90,000 recipients, with an increase of approximately $131 each month.
This modification is a significant relief for low-income families who rely on informal support networks to make ends meet. It also simplifies the SSI application process by removing food aid from eligibility considerations, making it easier for applicants to qualify for benefits.
Rent Subsidy Exception
The rent subsidy exception, which was previously only available in seven states, is now being extended to SSI applicants across the nation. This exception pertains to cases where individuals receive rent subsidies that help reduce housing costs. The expansion of this waiver is expected to increase monthly SSI payments by about $132 for nearly 41,000 recipients.
By extending this rent subsidy waiver nationwide, more applicants will qualify for increased benefits, allowing them to better afford housing costs. Housing is one of the largest expenses for SSI beneficiaries, so this change could be a game-changer for many.
Public Assistance Redefinition
Another important change involves the definition of a public assistance household. Previously, all members of a household needed to receive public assistance for the household to qualify under SSI’s public assistance guidelines. Now, with this new definition, households where only some members receive public assistance (like Supplemental Nutrition Assistance Program (SNAP) benefits) can still qualify for SSI.
This expanded definition is expected to increase the number of people eligible for SSI payments by approximately 277,000. It will also reduce the reporting burden for individuals living in public assistance households, streamlining the process for ongoing benefit eligibility.
SSI Beneficiaries
These changes represent significant steps toward alleviating the financial strain many SSI recipients face. By expanding eligibility criteria and simplifying the rules around support from friends, rent subsidies, and household assistance, the SSA aims to make SSI more accessible and equitable for all. However, while these administrative changes will positively impact many beneficiaries, Congress still holds the authority to make more extensive revisions to the SSI program.
For instance, SSI asset limits have not been updated since 1989, making it difficult for recipients to save money or improve their financial situations. Though Congress has debated adjusting these limits, such as a proposal in 2003 to raise the asset limit to $3,000 for individuals and $4,500 for couples (accounting for inflation), no formal changes have been made yet.
As Congress continues to consider additional reforms, it’s crucial for SSI applicants and recipients to stay informed about how these shifts may affect their benefits.
These three changes to the SSI program are promising for low-income Americans, the disabled, and families who depend on Social Security benefits. The adjustments to in-kind support rules, rental subsidies, and public assistance definitions make it easier for thousands of individuals to access and increase their SSI payments.
If you or someone you know is eligible for SSI, now is the time to review these changes and know how they might impact monthly payments. As always, consulting with a Social Security expert or financial advisor can help maximize benefits and navigate the complexities of the program.
FAQs
What is the new in-kind support rule?
It excludes food aid from eligibility considerations.
How much will rent subsidy expansion increase payments?
It may add $132 monthly for 41,000 recipients.
What is a public assistance household under the new rule?
Households with some members on public aid qualify.
How many will benefit from the new public assistance definition?
About 277,000 people will qualify for SSI.
Will Congress change SSI asset limits soon?
Congress has debated it, but no changes yet.
