Learn About SNAP Eligibility Requirements and Basics

What SNAP Is and How It Works

SNAP stands for the Supplemental Nutrition Assistance Program. It is a federal program run by the U.S. Department of Agriculture that gives money to people and families to purchase food. The program used to be called food stamps. Today, most people get SNAP benefits through a card that works like a debit card at grocery stores and farmers markets.

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SNAP is one of the largest nutrition programs in the country. According to the USDA, about 42 million people received SNAP benefits in 2023. The program serves people of all ages, from children to seniors, and people from all different backgrounds and work situations.

When someone receives SNAP benefits, they get a certain amount of money each month based on their income and household size. This money can only be used to purchase food items like fruits, vegetables, meat, dairy, grains, and snacks. The money cannot be used to pay for hot food, restaurant meals, alcohol, tobacco, vitamins, or non-food items like soap or paper towels.

The amount of money a person receives changes depending on their situation. If someone's income increases, their benefit amount may go down. If someone's expenses increase or income decreases, their benefit amount may go up. This is why SNAP reviews cases regularly to make sure the benefit amount matches a person's current situation.

Each state runs SNAP differently, but the basic rules are the same everywhere. Some states call the program by different names. For example, California calls it CalFresh, and New York calls it SNAP or the Food Assistance Program. Regardless of the name, the program works the same way.

Practical takeaway: SNAP is a monthly benefit that provides money specifically for buying food. The amount someone receives depends on their income and household needs, and the benefit amount can change throughout the year.

Understanding Income and Asset Limits

One of the main things states look at when deciding about SNAP is how much money a household makes. Income limits vary by state and by household size. Generally, households must have a gross monthly income below a certain level. Gross income means the money someone makes before taxes are taken out.

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As of 2024, most states use federal guidelines where the gross income limit is 130 percent of the federal poverty line. For a household of one person, this means roughly $1,473 per month. For a family of four, it means roughly $3,022 per month. However, states can set their own limits, and some states have higher or lower limits than others.

It is important to understand that income limits are not the same in every state. A person might qualify in one state but not in another state. This is why someone should check the specific income limits for their own state.

SNAP also looks at assets, which are things a person owns like money in the bank, vehicles, or property. Most people are allowed to have up to $2,750 in countable assets. For people who are elderly or have disabilities, the limit is higher—up to $4,250 in countable assets. A person's home and one vehicle are usually not counted as assets.

Not all money counts toward the asset limit. For example, retirement accounts like 401(k)s and IRAs usually do not count. Some types of savings programs do not count either. This is another area where state rules can differ, so someone should check what counts and what does not count in their specific state.

A household's assets are just one piece of the picture. Even if someone has more assets than the limit, they might still meet other requirements. Each situation is different.

Practical takeaway: Income and asset limits determine whether a household can receive SNAP. Income limits are usually around 130 percent of the poverty line, and asset limits are usually $2,750, but these numbers vary by state and household size.

Household Composition and Who Can Be Included

SNAP considers a "household" to be people who buy food and eat together. A household is not just a family—it can include roommates, friends, or other people living in the same place who share meals and expenses. Understanding who counts as part of a household matters because it affects the income limit and the benefit amount.

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Generally, people are part of the same household if they live together and buy food as a group. They do not have to be related. However, if people live in the same place but buy their own separate food and cook separately, they might be considered separate households for SNAP purposes.

Some people who live in the same place may not count as part of a household for SNAP. For example, a live-in caregiver, a roommate who pays rent but does not share meals, or a person who is in the home temporarily might not be counted as a household member in some cases.

Children who live with a parent or guardian are part of that household. This includes biological children, adopted children, stepchildren, and other children living in the home with parental responsibility. Children under 22 who are in school may sometimes be counted in a household, depending on state rules.

The state also looks at who is responsible for providing food and money in the household. In some cases, a person's spouse's or parent's income will be counted even if that person is not the one asking for SNAP. This is called "deemed income," and it is an important concept to understand.

Students have special rules. Most students aged 18 to 49 must meet extra work requirements to receive SNAP. However, some students are exempt from these requirements, such as students who also work, students who receive other benefits, or students with dependents.

Practical takeaway: A SNAP household includes people who live together and buy food as a group. Understanding who counts in a household is important because it affects whether the household meets income limits and how much benefit money they might receive.

Work Requirements and Exemptions

SNAP has rules about work. Some people must participate in work or a work-related program to receive SNAP benefits. These are called work requirements. Work requirements apply mainly to able-bodied adults without dependents, often abbreviated as ABAWDs. However, not everyone must follow work rules, and there are many exemptions.

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Able-bodied adults without dependents must work at least 20 hours per week or participate in a work program to receive SNAP benefits. If they do not meet this requirement, they can only receive SNAP for three months in a three-year period. Some states have gotten federal waivers that temporarily remove this requirement during times of high unemployment or low job availability.

Many people are exempt from work requirements. People over 60 are exempt. People under 18 are exempt. People who are pregnant or caring for a child under 6 are exempt. People who are unable to work due to a disability or illness are exempt. People receiving unemployment benefits are exempt. Parents or caretakers of children are usually exempt.

Work can take many forms. Regular employment counts. Self-employment counts. Volunteering for at least 20 hours per week counts in some cases. Participating in an education or training program counts. Some states offer work programs specifically designed to help SNAP recipients find or keep employment.

Each state manages work requirements differently. Some states are stricter than others. Some states have programs that help people meet work requirements by offering job training or placement services. A person should find out what work requirements apply in their specific state.

It is important to understand work requirements because not following them can result in losing SNAP benefits. However, many people who receive SNAP are already working. According to USDA data, about one-third of SNAP households have at least one working adult. For many people, SNAP supplements their wages because the work they do does not pay enough to cover all their food costs.

Practical takeaway: Most able-bodied adults without dependents must work at least 20 hours per week or participate in a work program to receive SNAP. However, many groups of people are exempt from work requirements, including people over 60, people with disabilities, and parents caring for children.

Citizenship and Residency Requirements

SNAP has rules about who can receive benefits based on citizenship and where they live. To receive SNAP, a person must be a U.S. citizen or a qualified noncitizen. They must also live in the state where they are applying for SNAP.

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