TN 50 (10-24)

SI 01320.620 Multiple Deeming: Spouse-to-Spouse-to-Child

Authority: Regulations 20 CFR 416.1166

A. General — Policy Principle

If an eligible child (or children) under age 18 lives in the same household with their parents who are an eligible individual and an ineligible spouse, income is always deemed first to the eligible individual (i.e., the parent who is eligible to receive SSI); then, any remaining income is deemed to the eligible child(ren). SSI benefits, for the purpose of this section, include any federally administered State supplement.

B. Determining the Spouse's and Child's Eligibility — Policy Principles

The steps below are followed to determine eligibility for SSI when both an eligible individual and an eligible child under age 18 live in the same household with an ineligible spouse/parent.

  1. 1. 

    The amount of the ineligible spouse's earned and unearned income is determined using the appropriate exclusions in SI 01320.100.

  2. 2. 

    An allocation for each ineligible child in the household is deducted from the ineligible spouse's income as described in SI 01320.400B.1.b.

  3. 3. 

    An allocation for each eligible noncitizen who has been sponsored by and is subject to deeming from the ineligible spouse is deducted as described in SI 01320.400B.2.

  4. 4. 

    The rules in SI 01320.400B.1.c. through SI 01320.400B.1.f. are followed to determine if any of the ineligible spouse's income is deemed to the individual, and if so, to determine countable income for a couple. The rules in SI 01320.620B,step 5. and SI 01320.620B, step below are followed to determine the child's eligibility.

    NOTE: 

    Excess income, if any, is determined from the “couple” part of the spouse-to-spouse deeming computation.

  5. 5. 

    If the individual (parent) is eligible for an SSI payment after the ineligible spouse's income has been deemed, no income is deemed to the eligible child. To determine the child's eligibility, the child's own countable income (without deeming) is subtracted from the FBR for an individual.

  6. 6. 

    If the individual (parent) is not eligible for SSI payments after the ineligible spouse's income has been deemed, any excess income which was not used to reduce the spouse/parent's SSI payment to zero is deemed to the eligible child. If the couple's countable income exceeds the FBR, the individual (parent) is ineligible (NØ1). However, if the parent is eligible for a federally-administered State supplement, that State supplement must be reduced to zero before deeming any excess income to the eligible child(ren). (See SI 01320.430.)

C. Determining Payment — Policy Principles

  1. 1. 

    The individual's payment amount for any month of eligibility is determined according to the rules in SI 01320.400 C.

  2. 2. 

    If the individual (parent) was eligible in the budget month, there is no deemed income to the eligible child in that budget month. The child's payment amount is determined based on the child's own countable income in the budget month; the countable income is subtracted from the FBR for an individual in the current month. (The budget month is the same as described in SI 01320.500C.)

  3. 3. 

    If the individual (parent) was not eligible for SSI in the budget month in which the ineligible spouse's income was deemed (i.e., the parent would have been eligible except for excess deemed income), the child's payment amount is determined by subtracting the child's income (including deemed income from the parent(s)) in the budget month from the FBR for an individual in the current month. If the parent does not qualify for an SSI payment due to excess income (NØ1) in the budget month, any income in excess of the amount required to reduce the parent's FBR and any federally administered State supplement to zero is deemed to the child as unearned income. The child's total countable income, including deemed parental income and after appropriate exclusions, is subtracted from the FBR for an individual in the current month to determine the payment amount.

D. Examples

1. Parent’s Income is less than the FBR for a couple

Roxanne Crowley, a blind individual, lives with their spouse, Perry, and their disabled child, John. Roxanne has been receiving SSI for 4 months. Roxanne and John have no income. Perry is employed and earns $1,500 in August 2025. First, determine Roxanne's eligibility. Since Perry's income exceeds $483, which is the difference between the FBR for an eligible couple and the FBR for an eligible individual in August, the $1,500 is treated as the earned income available to Roxanne and Perry as a couple. Because they have no unearned income, reduce the $1,500 by the $20 general income exclusion, and then by the earned income exclusion ($65 plus one-half the remainder). This leaves $707.50 in countable income, which is less than the $1450 FBR for a couple, so Roxanne is eligible; therefore, no income is deemed to John. Since John's total countable income (zero) is less than the FBR for an individual in August ($967), John is also eligible. Both Roxanne's and John's SSI payments for August are determined using countable income (including any deemed income) received in June.

2. Parent’s Income exceed the FBR for a couple

Troy Potter, a disabled individual, resides with their ineligible spouse, Alex, and their disabled son, Dwayne. Troy and Dwayne have no income. Alex works and earned $3,350 in September 2025. Since Alex's income is more than $483, which is the difference between the FBR for an eligible couple and the FBR for an eligible individual in September, the $3,350 earned income is treated as income available to Troy and Alex as a couple. Next, the income is reduced by the $20 general income exclusion and then by $65 plus one-half the remainder (earned income exclusion), leaving $1,632.50 in countable income. Troy is ineligible because the couple's $1,632.50 countable income exceeds the $1,450 FBR for a couple. Since Troy is ineligible, $182.50 is deemed to Dwayne (the amount of income over and above the amount which causes Troy to be ineligible — the difference between the countable income and the FBR for a couple). Treat the $182.50 deemed to Dwayne as unearned income, and apply the $20 general income exclusion, reducing Dwayne's countable income to $162.50. Compare Dwayne's countable income to the FBR for an individual for September ($967); because Dwayne's countable income does not exceed the FBR, Dwayne is eligible. Determine Dwayne's payment amount using Dwayne's countable income (including any deemed income) received in July.


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http://policy.ssa.gov/poms.nsf/lnx/0501320620
SI 01320.620 - Multiple Deeming: Spouse-to-Spouse-to-Child - 10/16/2024
Batch run: 10/18/2024
Rev:10/16/2024