SSI Disabled Adult Living with Parents/ Paying "Fair Share"

Submitted by Anonymous (not verified) on Mon, 10/09/2017 - 15:37

I've been receiving full SSI Disability for the past 5 yrs, while living in my own apartment/paying all my own bills. I have now moved back in with my parents and I need to know how much I have to pay for my fair share in order to continue receiving full benefits?

From research I've gathered online, I've read that it's calculated by adding up the total monthly household expenses and dividing by the # of people in the home. I understand this includes rent, mortgage, gas, electricity, water, food etc.

My parents (who are married) own their home, but did refinance it recently and my Dad pays $1000/mo towards that. Does their refinance count as a "mortgage" by SS Law standards, for which I'm required to pay a portion of? My Mom, who is retired (but not yet receiving SS) doesn't contribute any towards it. My Dad also pays about $200/mo average for all utilities, of which my Mom doesn't contribute to either. I'm buying/preparing/consuming my food separate from my family.

Currently, my brother (who is not on SS) is also living in the home with my parents and I, but it's only temporary while he's shopping for a new house (a few months max). Does he count towards the # of people in the home? He's not paying anything towards household expenses, as my parents are allowing him to put that money towards his new house instead.

So I'm trying to determine which household expenses I'm responsible for, and how many people I should be dividing by to calculate my "fair share"?

Thank you

Tue, 10/10/2017 - 13:21 Permalink

Hi there,
You may want to contact a local SSA office regarding this as they can go over the details with you and make any changes that they would need to do.

Char (not verified)
Fri, 02/16/2018 - 14:04 Permalink

my husband and I are retired and receive ss , we have five disable adult children living at home recently they took the ssi away from the 2 that were receiving it, they have always paid their fair share because obviously we just cant afford 5 extra adults, they all receive SSD, and it seems no matter what I do I can't get the 2 their ssi back, any suggestions

Bob (not verified)
Tue, 03/27/2018 - 14:30 Permalink

I have a son, 32, who is obviously disabled. When he was younger he got social security benefits but they stopped at 18. His medical expenses are almost $400k/year and I've been keeping him on my company's group insurance but they are going to drop him because it is costing so much and they say they don't have to insure any family member over age 26.
I have a good paying job and have always had to take care of my son; however, there's no way I can pay for the type of medical care he gets. Can he qualify for medicaid even though he lives in a household that makes more than the minimum? I don't care about the monthly benefits...just medicaid....


In reply to by Bob (not verified)

Tue, 03/27/2018 - 16:06 Permalink

Hi Bob,

You may want to visit your State's medicaid website. On there you can apply right now and find out if you qualify.

Mary (not verified)
Mon, 06/10/2019 - 16:44 Permalink

My son has been diagnosed w/Autism. He just graduated from high school and lives w/us. I am going to have him apply for Disability; however, since he lives w/us do they qualify him by our income also? or would it be better f or him to live on his own?


In reply to by Mary (not verified)

Tue, 06/11/2019 - 16:59 Permalink

Hi Mary,

If he is over 18 then his own assets will be taken into consideration for SSI, rather than you and your husbands.

April (not verified)
Wed, 11/06/2019 - 22:39 Permalink

If someone getting SSI is living with their parents and then decides to move out and live on their own will this effect their SSI?


In reply to by April (not verified)

Fri, 11/08/2019 - 15:55 Permalink

Hi April,

The SSA will often consider something like free room and board an income. Without this form of "income" it is possible that benefits will change. I recommend discussing the move with your local SSA office because that will allow them to look at the assets and income that the individuals has to get a more exact answer.

Allison (not verified)
Thu, 12/12/2019 - 22:42 Permalink

My father has become disabled after having a stroke and has been living with my family and kids now for 8months. My husband added on a 4th bedroom to our house to accommodate my father living with us. I’m his representative payee and just wondering can I charge my father rent and utilities using his SSD. I’ve had to cut my hours at work to take care of him and as well drive him to and from rehab.


In reply to by Allison (not verified)

Fri, 12/13/2019 - 15:31 Permalink

Hi Allison,

As his representative payee, shelter and medical appointments are generally good ways to spend that money. Make sure that you keep a detailed record of everything and keep the SSA aware of everything that you are doing.

Jackie (not verified)
Thu, 03/19/2020 - 02:25 Permalink

My daughter just turned 18 and qualified for SSI. Her fair share is very low due to my home is paid off. My SSI case worker said I should think about charging her set rate(what a One bedroom apt.or similar setting in my area would charge for the same).
Do you know anything about this? She could not elaborate on it and said she’s really not even supposed to mention it at all. Please let me know or guide me in the right direction. Thank you for your time.


In reply to by Jackie (not verified)

Fri, 03/20/2020 - 14:05 Permalink

Hi Jackie,

If you daughter is paying rent, it would likely be factored into her daily living needs, and could potentially help increase her benefits amount. This is likely why it was mentioned.

jennifer (not verified)
Thu, 05/14/2020 - 23:27 Permalink

Hi! My daughter is severely autistic and recently started receiving ssi payments. She lives at home. Her payments are reduced due to the fact that we don’t charge her rent. Can I change this to increase her monthly payments- how do I apply for an adjustment?
Thank you!


In reply to by jennifer (not verified)

Fri, 05/15/2020 - 15:09 Permalink

Hi Jennifer,

SSI payments often take into consideration daily living needs, such as rent. You'd have to contact the SSA about trying to readjust her amount.

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