So here’s the real shocker. Are you sitting down for this? In a research analysis done by Social Security, they found:
Although each member of an SSI married couple is guaranteed an income level equal to only 75 percent of the federal benefit rate, they are generally financially better off than SSI individuals living alone. This comparison reflects the economies of scale from sharing living expenses as well as higher incomes. However, members of the opposite sex who cohabitate and do not marry (or are not found to be representing themselves as husband and wife) are each guaranteed an income level equal to 100 percent of the federal benefit rate and generally fare better financially than SSI married couples.
You can read the full report here, where the analysis explores three different benefit rate options for the treatment of married couples in the SSI program.
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