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It may feel like a penalty when SSI reduced from spouses earnings. But the intent of SSI is supplemental income to basically keep you alive and relatively comfortable at a minimum cost. It is not a pension or such. It is more like welfare...low cost. When your spouse works....you begin to get your SSI reduced after about $650 dollars of spouses earnings per month. Like a dollar per dollar after $650. So if she/he makes $950 take home for that month your SSI might be reduced 300. Somewhere in that area.
It really is like a penalty if raising kids. But get tax returns per child for working parent credit. It is a bit tight money and spouse can become resentful. And disagreements of monies.
If both on SSI and living tofether I believe both reduced some. But now the inbalanced income not there.
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