Step 1: If you have unearned income (for example, an SSDI benefit), subtract a $20 "General Income Exclusion" from it to calculate your countable unearned income. If you do not have unearned income, this exclusion is applied to any earned income.
Step 2: If you have earned income (for example, wages), subtract a $65 "Earned Income Exclusion" from it (along with the remainder of the $20 "General Income Exclusion" that you have not applied to Unearned Income), along with any Impairment Related Work Expenses, and divide the resulting figure by two to find your countable earned income. If you have Blind Work Expenses, subtract them after you divide.
Step 3: Add your countable unearned income to your countable earned income to find your total countable income.
Example: If you have $500 in unearned income and $500 in earned income ($1,000 total), your countable income for SSI would be: $480 in countable unearned income + $217.50 in countable earned income = $697.50.