How Medicaid Changes Could Affect People With Disabilities
Some pundits claim that the Trump administration is considering cuts to the Medicaid program that could be detrimental to peo...
Read moreThe Trump administration has proposed rescinding a Biden-era rule that expanded eligibility for Supplemental Security Income (SSI).
Under the proposed rule, hundreds of thousands of SSI recipients, including many disabled adults and children, would have their benefits cut or lose eligibility entirely based on how the Social Security Administration (SSA) defines a “public assistance household.”
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The existing rule remains in place for now, and a change is not imminent. However, disabled households should understand what’s at stake—and how to prepare—if the benefits rollback moves forward.
Around 7.5 million low-income Americans receive SSI benefits. The resource limit to qualify is just $2,000 for individuals and $3,000 for couples. And although the top benefit amount is a modest $967 per person and $1,450 per couple, SSI helps many low-income and disabled Americans pay for essentials like food and shelter, keeping them out of dire poverty.
One factor the SSA looks at when deciding SSI eligibility is whether someone lives in what’s called a “public assistance household.”
When the 2024 rule change was finalized last year, SSA estimated that the broader definition of a “public assistance household” would lead to more than 100,000 additional individuals receiving SSI and increased monthly payments for nearly 300,000 beneficiaries.
According to the Center on Budget and Policy Priorities (CBPP), removing SNAP as a qualifying form of public assistance would reverse these gains.
“Under the anticipated Trump administration proposal, it’s expected that receiving food assistance from SNAP would no longer be enough to qualify a family as a ‘public assistance household,’” says CBPP.
“The resulting SSI benefit cuts would be felt in low-income households with disabled family members or older relatives across the country.”
CBPP describes an adult with Down Syndrome requiring daily support from her low-income parents who receive SNAP. Current rules allow her to receive the full monthly benefit amount ($967). But under the proposed Trump rule, because she lives with her parents, the cash value of her bedroom would subject her to the in-kind support and maintenance (ISM) penalty and reduce her SSI benefit by one-third to less than $700/month.
Restricting what qualifies as a PA household could result in families seeing benefits slashed or eliminated. The rule change could also discourage families from helping disabled loved ones out of fear of jeopardizing their benefits and force more disabled individuals into institutionalized care because they could no longer afford to live in their community.
“Burdensome and invasive” reporting requirements for beneficiaries could also increase. For example, a disabled SSI recipient would regularly have to report their living arrangement, family members’ income, and details of their shelter expenses and who pays them as their family’s circumstances change.
These added burdens would add complexity to already-complex ISM rules at a time when SSA has experienced staff cuts, which could cause underpayments as well as overpayments that require disruptive “clawbacks.”
The risk of a disabled person having to turn to institutional care is exacerbated by Medicaid cuts in the recently passed One Big Beautiful Bill that will put pressure on states to reduce home- and community-based services that allow many disabled people to live on their own, adds CBPP.
The good news for disabled people and their families is that nothing has changed—yet.
SSA’s proposal to roll back the rule is just that for now—a proposal. Before anything can change, it must go through a lengthy rulemaking process that includes:
In short, the Biden-era rule that expanded SSI benefit amounts and eligibility is still in effect and will be for the foreseeable future. Households that currently qualify under the updated definition of “public assistance household” will continue to receive their benefits, unchanged, until further notice. However, change could be on the horizon.
The rollback might not move from proposal to an actual rule. However, families of disabled adults and children should consider taking steps now to be ready if SSI eligibility rules tighten in the future.
For now, families should continue to expect their usual SSI disability benefits. At the same time, it’s important to stay informed and understand how changes could affect your household if the rollback moves forward.
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