TN 6 (08-95)
SI 01330.180 Examples Spouse-to-Spouse Deeming
No Resources Excluded — Individual Meets the Resource Eligibility Requirement
Mr. and Mrs. Daley live together. Mr. Daley, who is age 65, applies for SSI payments
on February 4, 1988. His wife is under age 65 and neither blind nor disabled. Mr.
Daley has no resources of his own. However, Mrs. Daley 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 |
- Mrs. Daley's savings account |
| + 500 |
- Mrs. Daley'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 |
| -2,850 |
- couple's resource limit (in 1988) |
| 0 |
Mr. Daley meets the resource eligibility requirement.
Some Resources Excluded — Individual Meets the Eligibility Requirement
Mr. and Mrs. Sands live together. Mr. Sands, who is disabled, applies for SSI on October
2, 1988. Mrs. Sands works for a company with a pension plan and states she has accumulated
$5,000 in her pension fund which she can withdraw at any time. Mr. and Mrs. Sands
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 |
| -2,850 |
- couple's resource limit (in 1988) |
| 0 |
Mr. Sands meets the resource eligibility requirement.
Some Resources Excluded — Individual is Ineligible
Mr. Smith, who is 69 years old, files for SSI on October 15, 1988. He lives with his
wife 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, Mrs. Smith owns a plot of land which produces no income and has an equity
value of $2,000. Mr. Smith owns a life insurance policy on his own life with a face
value of $2,000 and a cash surrender value (CSV) of $897. Mrs. Smith owns a life insurance
policy on her 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 Mrs. Smith 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 |
- Mrs. Smith's real estate |
| +897 |
- CSV of Mr. Smith's life insurance |
| $6,547 |
- couple's countable resources |
The couple's computation follows:
| $6,547 |
- couple's countable resources |
| -2,850 |
- couple's resource limit (in 1988) |
| $3,697 |
- excess resources |
Mr. Smith is ineligible.