Do My Living Arrangements Affect My SSDI or SSI?

Living arrangements can affect SSI payment amounts, but they do not affect SSDI payments

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Unlike SSDI, Supplemental Security Income (SSI) is a needs-based program. In order to be eligible, certain qualifications must be met. The technical qualifications are based on your income, assets and resources. If you live in a home you own and pay for, your SSI will not be affected. However, if you are living in someone else’s home, or someone else pays for your living arrangements, your payments may be affected.

SSA considers free or reduced shelter and/or food a type of income when determining your monthly benefit amount for SSI. This “in-kind” income can be subtracted from your monthly payments. Issues concerning where you live, who lives with you, and who pays for these arrangements are all taken into consideration when determining your monthly payment.

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