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Income & Resources

Case Study 1: Josiah’s Job Offer

Person at workJosiah receives an SSI payment of $914 per month. He has been offered a job as a supervisor in a coffee shop where he will be paid $865 gross per month, but he isn’t sure if he will lose his SSI if he takes it.

Think about it. What needs to happen?

Josiah accepts this job offer and keep SSI. His wages will reduce his SSI to $524 per month. However, between his wages and his SSI he will have more money when he works.



Josiah’s gross earnings


Subtract the $20 General Income Exclusion

$865 – $20 = $845

Subtract the Earned Income Exclusion

$845 – $65 = $780

Divide by two to take the additional 50% exclusion and learn Josiah’s Countable Earned Income

$780/2 = $390

Subtract Josiah’s Countable Earned Income from the monthly SSI Rate (this example ignores any State Supplement) to determine his SSI payment

$914 – $390 = $524

Josiah’s total disposable income is now $1,389 ($865 gross earnings plus the $524 SSI payment), less any tax withholding. This means Josiah has up to $475 more per month to save or pay for other things.

The takeaway

As Josiah’s earnings increase, his SSI payment will go down by $1 for every additional $2 of gross earnings. Additionally, he will keep his Medicaid eligibility in most states.