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Can I live with someone while on SSDI?

SSDI Benefits - cooking with partner

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Yes, of course you can, but I suspect the real question is; “Will living with someone else affect my SSDI benefit?” The answer to that question is ‘no’. Living with someone else will have no impact on an SSDI benefit. If you have questions about your specific circumstances, take our case evaluation.

SSDI vs SSI Benefits

Although living with someone while on SSDI does not impact your SSDI benefit, living with someone while on SSI could impact an SSI benefit. The reduction might happen if you do not pay your “fair share” of food and shelter expenses.

Download our Social Security Application Checklist to ensure you are meeting deadlines and know crucial details for the best chance at a successful application.

Does where I live impact How Much SSI I Can Receive?

Where you live can indeed have an impact on the amount of Supplemental Security Income (SSI) you can receive. If you reside in your own place and are responsible for covering your own expenses for food and shelter, it doesn’t matter if you own the property or rent it, you may be eligible to receive the maximum SSI amount available. This means that if you meet all the necessary criteria and live independently, you could potentially receive the highest possible SSI payment.

You can also receive the maximum amount if you reside in another person’s home, provided you cover your own food and shelter expenses. If you’re living in another person’s home and either don’t pay for your food and shelter or only partially cover these costs, your SSI benefit could be reduced by up to a third of the SSI Federal benefit rate.

 

Sharing Expenses

The Social Security Administration might reduce your benefit by 1/3 if you do not pay your fair share of food and shelter. Benefits are not reduced by 1/3 if you do; however, pay your fair share of food and shelter. The smartest thing you can do for overall household income then, is to pay your fair share of those expenses.

I highly recommend that you open a checking account or use a debit card when paying your share of the food and shelter. If the SSA ever audits you, having proof of payments will make life much easier.

Living with ssdi benefits

EXAMPLE – SSI reduced by one-third: On January 1, 2022, Sheri Smith moved in with her daughter and her grandchildren. Sheri received both food and shelter from within the household. She did not help pay for the household expenses. Because she received food and shelter from her daughter, the SSA would reduce her monthly SSI benefits by one-third. Assuming Sheri has no other countable income, her SSI payment would be reduced to $560.67.

EXAMPLE – One-Third Reduction No Longer Applies: Ms. Smith notified the SSA that she started paying her daughter for her share of the household expense for food and shelter as of February 1, 2022. There are five persons in this household: Ms. Smith, her daughter, her husband, and two children.

The household expenses for food, rent, and utilities are $1,500 per month. Ms. Smith pays her daughter $300 per month, which is her pro rata share. Based on Ms. Smith paying her pro rata share and not having any other countable income, the SSA stopped reducing her SSI benefits by one-third and began paying her the full SSI amount of $841 per month.

Do you have questions on your specific circumstances?

Are you uncertain about your SSDI eligibility while living with someone? Don’t guess, get answers! Take our free case evaluation today. Our experts are here to help you understand your rights and options. Get the guidance you need – start your case evaluation now!

 

FAQ for Living With Someone On SSDI

Can I Live With Someone While On SSDI?

Living with someone else while receiving SSDI benefits will not affect your SSDI benefit. However, if you are receiving SSI benefits, living with someone else could impact your benefits if you do not contribute your fair share of food and shelter expenses. The Social Security Administration may reduce your SSI benefit by one-third if you don't pay your fair share, but if you do contribute appropriately, your benefits will not be reduced. It is advisable to keep proof of payments, such as using a checking account or debit card, in case of an SSA audit.

See If You Qualify!

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How Much Can I Expect In SSDI Payments?

In 2024, you could be eligible for up to $3,822/month in SSDI benefits.

March 15, 2022

Written by TC Newlin

TC is a disability litigator and one of the managing partners in the Social Security Disability Department at Fleschner, Stark, Tanoos & Newlin. He has had the pleasure of helping thousands of people obtain the benefits they so desperately need.

1 Comment

  1. Jay Richard Bramer

    I am on SSDI. I pay $715 in rent per month with no HUD or other assistance. I’m getting a roommate who’s going to pay $325 of that rent. I buy ALL my own food and pay the electric bill.

    Do I need to report all of this to Social Security, seeing as I’m decreasing my own rent down to $390?

    Reply

Submit a Comment

Your email address will not be published. Required fields are marked *

March 15, 2022

Written by TC Newlin

TC is a disability litigator and one of the managing partners in the Social Security Disability Department at Fleschner, Stark, Tanoos & Newlin. He has had the pleasure of helping thousands of people obtain the benefits they so desperately need.

1 Comment

  1. Jay Richard Bramer

    I am on SSDI. I pay $715 in rent per month with no HUD or other assistance. I’m getting a roommate who’s going to pay $325 of that rent. I buy ALL my own food and pay the electric bill.

    Do I need to report all of this to Social Security, seeing as I’m decreasing my own rent down to $390?

    Reply

Submit a Comment

Your email address will not be published. Required fields are marked *