TN 17 (10-24)
SI 01330.180 Examples Spouse-to-Spouse Deeming
No Resources Excluded — Individual Meets the Resource Eligibility Requirement
Trevor Daley and their spouse, Maxine, live together. Trevor, who is age 65, applies
for SSI payments on February 4, 2025. Maxine is under age 65 and neither blind nor
disabled. Trevor has no resources of their own. However, Maxine has $1,900 in a savings
account and owns a vacant lot valued at $500.
The couple's countable resources are as follows:
| $1,900 |
- Maxine's savings account |
| + 500 |
- Maxine's lot |
| $2,400 |
- couple's combined resources |
| - 0 |
- applicable exclusions |
| $2,400 |
- couple's countable resources |
The resource computation follows:
| $2,400 |
- couple's countable resources |
|
-3,000 |
- couple's resource limit (in 2025) |
| 0 |
Trevor Daley meets the resource eligibility requirement.
Some Resources Excluded — Individual Meets the Eligibility Requirement
Oscar and Lane Sands live together. Oscar, who is disabled, applies for SSI on October
2, 2025. Lane works for a company with a pension plan which has accumulated $5,000
and can be withdrawn from at any time. Oscar and Lane jointly own two gravesites worth
$500 each and have a joint bank account with a balance of $1,000.
The couple's resources are as follows:
Excluded Resources
Countable Resources
| $1,000 |
- joint bank account |
The resource computation follows:
| $1,000 |
- couple's countable resources |
|
-3,000 |
- couple's resource limit (in 2025) |
| 0 |
Oscar Sands meets the resource eligibility requirement.
Some Resources Excluded — Individual is Ineligible
Denzel Smith, who is 69 years old, files for SSI on October 15, 2025. Denzel lives
with their spouse, Pauline, who is age 62 and neither blind nor disabled. They have
the following resources: a joint checking account of $250; United States savings bonds
(in both their names) worth $400; and two automobiles — one used for essential daily
activities and valued at $6,000, and the other with a current market value and equity
value of $3,000. In addition, Pauline owns a plot of land which produces no income
and has an equity value of $2,000. Denzel owns a life insurance policy on their own
life with a face value of $2,000 and a cash surrender value (CSV) of $897. Pauline
owns a life insurance policy on their own life with a face value of $1,000 and a CSV
of $900. Their household goods and personal effects are valued at $1,000.
Excluded Resources
| $6,000 |
- essential automobile (SI 01130.200)
|
| 900 |
- life insurance of Pauline with face value not over $1,500 (SI 01130.300)
|
| +1,000 |
- household goods and personal effects
(SI 01130.430)
|
| $ 7,900 |
- excluded resources |
Countable Resources
| $ 250 |
- joint checking account |
| 400 |
- savings bonds |
| 3,000 |
- second automobile |
| 2,000 |
- Pauline's real estate |
| +897 |
- CSV of Denzel's life insurance |
| $6,547 |
- couple's countable resources |
The couple's computation follows:
| $6,547 |
- couple's countable resources |
|
-3,000 |
- couple's resource limit (in 2025) |
| $3,697 |
- excess resources |
Denzel Smith is ineligible.