It sounds weird to say but it is true. If you are receiving Supplemental Security Income, your maximum benefit, the amount you get each month is based, in part, on your specific living situation. Social Security will still assess your income/resource requirements after determining what your maximum benefit could be. Social Security has divided living arrangements into 4 categories: Living in your own household; Living in someone else’s household; a child living in their parents household; Living in a Medicaid facility.
Living in your own household. If you live in your own household your SSI payment is the maximum rate ($674/month). You are in this category if you live in your own house, even if you have someone help you with your house payments and food costs. You also fit into this category if you live alone or if you are homeless without a permanent living situation. As a final catch-all for this category, if you do not fit into any of the other 3 categories below, you fall within this one.
Living in the household of another. You live in someone else’s household only if BOTH of these conditions are satisfied. First, you live in a household other than your own with at least one other person who is not your child, your spouse or an ineligible person whose income is being used to compute your SSI payment. Second, you receive food and housing from someone in that household. If you meet both of these conditions, your maximum SSI benefit is reduced by one-third (from $674 down to $449.33).
Child living in their parents household. This category also has two conditions that must each be satisfied to qualify. You must be under age 18 and living in the same household as your parents. If you are, your maximum SSI benefit is $674/month.
Living in a Medicaid facility. Your SSI payment cannot exceed $30 if you are living in a public or private medical institution throughout the month and Medicaid is paying more than 50% of the cost of your care.
Remember that these figures are only used as the maximum amounts that you can receive under SSI. They may still be reduced based on income and resources you have during a month.