Hi I am wanting to refinance my home.I receive SSDI and my ex husband lives in the house and receives SSI.Can his name be put on the loan without us being penalized by Social Security?

Hi,

Nothing that you do with regard to refinancing your home could affect your Social Security disability benefits (SSDI). However, Supplemental Security Income (SSI) is a needs based program, so your ex's SSI payments could be affected by changes to his assets or income. Still, though, the value of a home that you reside in is excluded from counting as an asset for SSI purposes, so wouldn't think that putting your ex's name on a home loan would affect his SSI. That said, though, my expertise is limited to Social Security benefits and not SSI, so your ex should check with Social Security regarding any changes that could affect his SSI payments.

Best, Jerry