**Updated as of September 14, 2024.**

## What and Why?

The Student Earned Income Exclusion (SEIE) is a work incentive administered by the Social Security Administration (SSA). This exclusion allows qualifying students to earn income that does not impact their SSI payments.

By using the SEIE, the SSA will exclude (ignore) a portion (or all) of a qualifying student’s earned income from SSI income calculations. This allows qualifying SSI students to earn income without losing SSI benefits (or losing fewer of them). In 2024, the SEIE maximums are $2,290 per month and $9,230 per year. This means that the SSA will exclude (not consider) up to $2,290 of income in any month when determining whether the student’s earned income will lower the student’s SSI payment. The maximum amount of 2024 earned income that can be excluded using the SEIE is $9,230.

## Who?

SEIE is only available to SSI recipients and to individuals age 22 and younger who “regularly attend school.” “Regularly attend school” does not mean full-time enrollment. In fact, attendance requirements are met in the following circumstances:

## What About Breaks – When School Is Out?

SSI recipients may use the SEIE when they are on break from school and if they are enrolled in school part-time. There are also special rules for individuals who home school because of a disability – including home schooling for high school, college, or other government agency.

The SEIE is designed to incentivize work, especially during school breaks. To do so, the SEIE has a high monthly cap compared to the yearly limit.

## How Does the SEIE Work?

The SEIE works in conjunction with other work incentives, however, it is used BEFORE any of the other exclusions are. This means that it can get used up rather quickly, and other exclusions (like Blind Work Expenses) might not be able to be used in a given month. Unfortunately, you do not have the chance to refuse the SEIE; if you qualify for the SEIE, it will be used. Here are some examples of how the SEIE works:

### Example #1: Gross earned income = $12,000 ($1,000 each month; BWE = $100 each month)

#### January through September

Gross income: $1,000

Minus SEIE: $1,000

Net countable income: $0

No impact on SSI payment: Stays at $943

Net total income (SSI plus earned income minus BWE paid): $943 + $900 = **$1,843**

#### October

Gross income: $1,000

Minus SEIE: $230

Minus General Income Exclusion: $20

Minus Earned Income Exclusion: $65

Net income after SEIE, GE, and EIE: $1,000 – $230 – $20 – $65 = $685

Under BWE Rules, take 50% of $685 = $342.50

Minus BWE: $100

**Net countable income: $242.50**

SSI payment goes down by $242.50 to **$700.50**

Net total income (SSI plus earned income minus BWE paid): $700.50 + $900 = **$1,600.50**

#### November and December

Gross income: $1,000

Minus General Income Exclusion: $20

Minus Earned Income Exclusion: $65

Net income after GE and EIE: $1,000 – $20 – $65 = $915

Under BWE Rules, take 50% of $915 = $457.50

Minus BWE: $100

**Net countable income: $357.50**

SSI payment goes down by $357.50 to **$585.50**

Net total income (SSI plus earned income minus BWE paid): $585.50 + $900 = **$1,485.50**

#### Example #1: **Total Net SSI and Earned Income, after BWE paid = $21,158.50**

*If no SEIE available, total income would have been $17826 — $3,332.50 less*

### Example #2: Gross earned income = $12,000 ($3,000 in each of four months: May, June, July, and August; BWE = $300 per month)

#### January through April

SSI = $943

Net total income: **$943**

#### May

Gross income: $3,000

Minus SEIE: $2,290

Net countable income: $710

Minus General Income Exclusion: $20

Minus Earned Income Exclusion: $65

Net income after SEIE, GE, and EIE: $3,000 – $2,290 – $20 – $65 = $625

Under BWE Rules, take 50% of $625 = $312.50

Minus BWE: $3002

**Net countable income: $12.50**

SSI payment goes down by $12.50 to **$930.50**

Net total income (SSI plus earned income minus BWE paid): $930.50 + $2,700 = **$3,630.50**

#### June

Gross income: $3,000

Minus SEIE: $2,290

Net countable income: $710

Minus General Income Exclusion: $20

Minus Earned Income Exclusion: $65

Net income after SEIE, GE, and EIE: $3,000 – $2,290 – $20 – $65 = $625

Under BWE Rules, take 50% of $625 = $312.50

Minus BWE: $300

**Net countable income: $12.50**

SSI payment goes down by $12.50 to **$930.50**

Net total income (SSI plus earned income minus BWE paid): $930.50 + $2,700 = **$3,630.50**

#### July

Gross income: $3,000

Minus SEIE: $2,290

Net countable income: $710

Minus General Income Exclusion: $20

Minus Earned Income Exclusion: $65

Net income after SEIE, GE, and EIE: $3,000 – $2,290 – $20 – $65 = $625

Under BWE Rules, take 50% of $625 = $312.50

Minus BWE: $300

**Net countable income: $12.50**

SSI payment goes down by $12.50 to **$930.50**

Net total income (SSI plus earned income minus BWE paid): $930.50 + $2,700 = **$3,630.50**

#### August

Gross income: $3,000

Minus SEIE: $2,290

Net countable income: $710

Minus General Income Exclusion: $20

Minus Earned Income Exclusion: $65

Net income after SEIE, GE, and EIE: $3,000 – $2,290 – $20 – $65 = $625

Under BWE Rules, take 50% of $625 = $312.50

Minus BWE: $300

**Net countable income: $12.50**

SSI payment goes down by $12.50 to **$930.50**

Net total income (SSI plus earned income minus BWE paid): $930.50 + $2,700 = **$3,630.50**

#### September through December

SSI = $943

Net total income: **$943**

**Example #2: Total Net SSI and Earned Income, after BWE paid = $22,066**

*If no SEIE available, would have LOST ALL SSI payments in May, June, July, and August, and total income would have been $18,344 — $3,722 less*

## Contact the Bridges Helpdesk for More Information

Email: Helpdesk@imagemd.org

Text: Send to: (410) 357-1546

Voice mail: Call (410) 357-1546, leave a voice mail message, and we will return your call

This unique project is being coordinated through The IMAGE Center of Maryland, a center for independent living in Towson, and it is funded by a grant from the Maryland Department of Education Division of Special Education/Early Intervention Services.