Frequently Asked Questions About Family Benefits

Navigating benefits can bring up many specific questions related to unique family situations. Here are answers to some common queries we hear from seniors and their families.

Do my Social Security benefits count as income for SNAP?

Yes, all forms of Social Security are considered unearned income when calculating your eligibility for SNAP. This includes your retirement benefits, disability benefits (SSDI), and any spousal or survivor benefits you receive. While this income does count, remember that there are special rules and deductions for seniors that can help you qualify even while receiving Social Security.

Can I get SNAP benefits if I own my home?

Absolutely. For the vast majority of people, the home you live in is considered an “exempt resource” and does not count against you when you apply for SNAP. The program is designed to help with food costs, not to force you to sell your primary residence. The focus of the asset test is on liquid resources like cash in the bank.

I live with my daughter’s family. Will their income prevent me from getting SNAP?

This is a very common question, and the answer is: it depends. The key is how meals are handled. If you are over 60 and you purchase and prepare your meals separately from your daughter’s family, you can apply as a separate household of one. In that case, only your own income and assets would be considered. If you all buy and eat your food together, then you will be considered one household, and everyone’s income will be counted. It is important to be clear about your living and meal situation on your application.

As a widow receiving survivor benefits, am I still eligible to apply?

Yes, you are encouraged to apply. Receiving Social Security survivor benefits does not automatically disqualify you. Those benefits are simply counted as your income. If your total monthly income from survivor benefits and any other sources falls within the SNAP eligibility guidelines for a household of one, you may be able to receive food assistance. The loss of a spouse often leads to a significant drop in household income, making many widows newly eligible for this support.

My ex-husband and I were married for over 10 years. Does this affect my SNAP application?

Your previous marriage of 10+ years does not directly impact your SNAP application, but it may impact your income, which in turn affects your application. Because you were married for over a decade, you may be eligible for Social Security divorced spouse benefits based on his work record. If you receive these benefits, that money is counted as income for SNAP. Your eligibility will be based on your current financial situation as a single person, including any income you receive as a result of your past marriage.

Disclaimer: This article provides general information for educational purposes only and is not intended as financial or legal advice. Family situations can be complex; consult with a qualified professional for advice tailored to your needs.