The SSI Trap: Is Getting Help Ruining Your Monthly Benefits?

If you receive Supplemental Security Income (SSI), your check could be cut by one-third if you accept help with basic living expenses—a penalty triggered by the complex "In-Kind Support and Maintenance" (ISM) rule. While a major 2024 update protects you from penalties for free food, receiving help with shelter costs is still a major financial risk.

In this video, I explain exactly how ISM works, the difference between the "One-Third Reduction" rule and the "Presumed Maximum Value" rule, and actionable strategies to protect your income. You will learn how to document your "Fair Share" of expenses and keep separate receipts to avoid these automatic penalties and keep your full benefit amount.
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Low Income Relief helps people with low incomes access real help—fast. We research government programs, nonprofits, and financial aid, then explain how to qualify in simple terms.

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📌 This content is for educational purposes only. It is not legal or financial advice. Use of this information is at your own risk. Low Income Relief allows for no liability regarding actions taken or decisions made based on this content.
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If you need help with Medicare, please contact Medicare, your local State Health Insurance Program (SHIP), your current Medicare insurance agent/broker/plan, or feel free to contact our Medicare partner, Chapter, at 417-319-2139 or visit their website at https://lirlinks.com/chapter. Chapter: Memoir, Inc. d/b/a Chapter is a privately owned, data and technology-enabled advisory that helps older Americans navigate retirement. Insurance agency services are provided by Chapter Advisory, LLC, a licensed health insurance agency and wholly owned subsidiary of Memoir, Inc. In California, Chapter Advisory, LLC does business as Chapter Insurance Services (Lic. No. 6003691). Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program.

Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand-alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan’s contract renewal. While Chapter has a database of every Medicare plan nationwide and can help you search among all plans, Chapter has contracts with many but not all plans. As a result, they do not offer every plan available in your area. They search and recommend all plans, even those they don’t directly offer. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options.