A press release from People First of Montana, a disability rights group:Helena, MT--- In a packed room Sept 26, with U.S. Senate Finance Committee staff linked in by phone, Montana People First members and others offered personal testimony about the pain and suffering caused by the SSI "marriage penalty."
Following the testimony, they presented over 2500 petition signatures they had collected from citizens all over Montana to a local staff member of Sen. Max Baucus, who chairs the Senate Finance Committee.In addition to the monetary penalty suffered by SSI recipients who marry, those presenting testimony cited additional penalties such as:
- Not being able to openly celebrate their love and commitment to one another in the company of friends and family
- Not being able to inherit one another's estates as a spouse
- Not being able to get information when their partner is in the hospital
- Not being able to make end of life decisions for their partner when necessary
- Not being able to make funeral arrangements for their partner
- Not being able to live openly as husband and wife
Many people with disabilities live on a $637/month federal SSI benefit, an amount that is about 75% of the poverty level. When two unmarried SSI recipients live in the same household and share expenses, each continues to receive a full $637/month SSI benefit. However, when two people with disabilities of the opposite sex marry, and one or both receive SSI, their combined benefit as a couple ($956/month) is reduced to 75% of the total of their two individual benefits($637/mo + $637/mo =
$1274/month)
As a result, SSI recipients with disabilities who wish to marry like their typical peers, in accordance with social convention and/or their faith, hesitate to do so, or choose not to marry at all rather than risk the loss of precious dollars needed for basic food and shelter, as well as for disability related expenses.
Seeking to challenge this policy that treats people who share households differently based on their marital status, People First of Montana enlisted the assistance of several other groups to form a Montana Marriage Penalty Task Force. Members of the Task Force come from Disability Rights Montana, Montana People First, the Montana Advocacy Coalition, the State Independent Living Council, the disability rights organization ADAPT, the Rural Institute at the University of Montana, and the general citizenry.
Why is there a marriage penalty? The original reduction in benefits for a married couple, or a couple deemed to be married under Social Security rules, was put into place on the premise that there are "economies of scale" when two or more people live together. This "economies of scale" premise in SSI was patterned on the "economies of scale" present in the TANF program (originally ADC/AFDC) for families. When Congress implemented this "economies of scale" concept for married SSI recipients, they did so with no consideration for the extra costs faced by people with disabilities because of their disabilities.
And since SSI monthly benefit amounts have not kept up with the steadily rising costs of food, shelter and transportation, etc., an SSI dollar buys less and less every
year. "Priced Out in 2006," a national housing study published in 2007, found that the national average rent for a studio/efficiency apartment was less than a full SSI monthly benefit.
A further complication exists for people with disabilities because the definition of "married" under the SSI program is broader than the common definition. The Social Security Administration (SSA) may deem a couple to be "married" for SSI purposes if they "hold themselves out as husband and wife to their community," even though they do not meet the legal definition for marriage in the state in which they live. The expanded definition of marriage applies to situations where either one or both members of a couple are receiving SSI.
Typically when applying for SSI, proof of marital status is not required if the person does not live with an unrelated person of the opposite sex, and claims not to be married. However, if a person lives with an unrelated person of the opposite sex, each must explain their relationship and answer certain questions. Some of these questions include what names the two are known by, whether they introduce themselves as "husband and wife," what names they use on their mail, who owns or rents their home, and if there are any bills, installment contracts, tax returns or other papers that show them as husband and wife.
How people answer those questions, along with other factors, is used by SSA to determine whether two individuals have "held themselves out to the community as married." Therefore, SSA can consider a couple to be married even if the couple has never been legally married.
Too often, people with disabilities who rely on SSI choose to live secretly with a partner to maintain vital benefits at amounts that barely cover basic food and shelter costs.
The U.S. Supreme Court has found that SSA's marriage penalty does not violate the Due Process Clause of the Fifth Amendment, which prevents the government from
depriving citizens of property, without due process. Unless another avenue for legal challenge emerges, Congress is the remedy for any potential "fix" that would change SSA regulations so that each beneficiary is treated as an individual. Montana People First members hope that their efforts will inspire others around the country to join them in asking their Senators and Representatives to take legal action to remove the marriage penalty from the SSI program.
For more information, contact Raylynn Lauderdale, Disability Rights Montana, at (406) 449-2344, E-mail: raylynn@disabilityrightsmt.org.
Disability Rights Montana is the federally mandated civil rights Protection & Advocacy System for Montana. Our mission is to protect and advocate for the human, legal and civil rights of Montanans with disabilities while advancing dignity, equality, and self-determination.
