There is a common misconception that there is only one type of Social Security disability benefits out there and that you have to have worked to get them. Thankfully this is not the case.

What is Supplemental Security Income or SSI?

Supplemental Security Income or SSI is a program for those who cannot work due to disability, who do not have sufficient work credits. Instead of a work based benefit, this type of benefit is a needs based program. Because it is needs based program in order to qualify for this type of benefit you are going to have to meet house hold income restrictions.

Who’s Income Will Be Counted Against My SSI Claim?

As I stated above, in order to qualify for SSI your household income needs to fall below a certain level set by Social Security. We often get asked who’s income will get counted as part of the house hold income and here are the basic guidelines.

  1. Any Income You Receive- whether this is income you are getting from working part time, or unearned income such as child support, welfare, pensions, or any other source of unearned income. All income you have coming in will count against your SSI eligibility.
  2. Any Income Your Significant Other Receives- If you are living with your significant other Social Security will also count their income against your SSI eligibility. You do NOT need to be married to have your significant others income count against your eligibility. The only exception to this is if you are living with a significant other based solely on financial necessity.
  3. Any SSI Your Child May Be Receiving-if you have a child receiving SSI benefits their benefits will be counted against your SSI claim.

Income that will not be counted against your SSI claim

  1. Parent’s Income- if you are living at home with parents their income will not be counted against your SSI claim. This will also be true for any other relatives you may be living with.
  2. Roommates Income- If you are living with roommates your are not romantically connected to, their income will not count against your disability claim.

What Are the Income Restriction For SSI Benefits?

To determine if you are eligible for SSI, you must determine what type of income you are receiving. Typically this will fall under two categories, earned and unearned. Earned income will be any income you or your significant are making through a job. Unearned income covers everything else from any social security benefits, welfare, child support, etc. Second Social Security will look at your household size. This will include you and any dependent children under the age of 18. Below is a chart laying out the disability eligibility for SSI income.


  Gross Monthly Income BELOW the dollar amounts shown means a disabled individual may be eligible for SSI benefits
Number of Children NOT on SSI Benefits All EARNED Income All UNEARNED Income
0 $2,291 $1,123
1 $2,659 $1,491
2 $3,027 $1,859
3 $3,395 $2,227
4 $3,763 $2,595
5 $4,131 $2,963
6 $4,498 $3,331


Call a Utah Social Security Lawyer

If you cannot work due to a disability call an experienced disability lawyer. Having an attorney represent your claim can greatly increase your chances of being approved for disability benefits. Our experienced attorneys know how to win disability claims and will make sure you have the best possible chance of being approved. Call today for your free consultation.



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