Implement Connecticut State Supplementary Payment (SSP)

[hua7450]

Summary

Implements Connecticut's State Supplementary Payment (SSP) -- budget-based supplement for aged, blind, and disabled SSI recipients per CGS 17b-600.

Closes #7880

Regulatory Authority

• CGS 17b-600 (program establishment, income cap, transfer penalty)
• UPM sections 3030, 4005, 4520, 5030, P-5045 (eligibility, resources, living arrangements, income treatment, budget calculation)
• DSS Program Standards Chart effective 3/1/2026 (current payment amounts)
• DSS Program Standards Chart effective 7/2022 (historical amounts)
• SSA State Assistance Programs 2011 / 2005 (program structure and historical data)

Program Overview

• Administration: State-administered by CT Department of Social Services (DSS)
• Funding: 100% state funds
• Statutory basis: CGS 17b-600 (effective January 1, 1974)
• Benefit formula: Budget-based (Need Standard - Countable Income)
• Current caseload: ~10,348 recipients (January 2011 SSA report; most recent available)

Eligibility

Requirement	Source	How Modeled
Must be aged (65+), blind, or disabled per SSI standards	CGS 17b-600	is_ssi_eligible via ct_ssp_categorically_eligible
Only blind children eligible (disabled children excluded)	SSA 2011 Report	Blind child check in ct_ssp_categorically_eligible
CT resource limits ($1,600 individual / $2,400 couple)	UPM 4005.10	ct_ssp_resource_eligible with CT-specific parameters (lower than federal SSI $2,000/$3,000)
Income cap: gross income <= 300% SSI FBR ($2,982/mo)	CGS 17b-600	ct_ssp_income_eligible multiplies income_cap_rate (3.0) by SSI FBR
Must reside in Connecticut	State program	defined_for = StateCode.CT

Benefit Amounts (DSS Standards Chart 3/1/2026)

Personal Needs Allowance (PNA)

Category	Monthly Amount	Source
Community individual	$198.55	DSS Standards Chart (frozen per legislation)
Community married (per person)	$197.35	DSS Standards Chart (frozen per legislation)
Boarding home	$34.75	DSS Standards Chart (eff. 7/1/2024)
SNF / Medicaid facility	$75.00	UPM 4520.20; DSS Standards Chart

Shelter Allowance

Category	Monthly Maximum	Source
Living alone	$400	UPM 4520.10; SSA 2005/2011 footnote (a)
Shared living	$200	UPM 4520.10; SSA 2005/2011 footnote (a)
Facility (boarding/SNF)	$0	Shelter included in facility rate

Unearned Income Disregards (adjust annually with SSA COLA)

Living Arrangement	Monthly Amount	Source
Community / Roomer / SNF	$562.00	UPM 5030.15; DSS Standards Chart
Boarding home	$469.70	UPM 5030.15; DSS Standards Chart
Shared living (non-relative)	$629.90	UPM 5030.15; DSS Standards Chart

Earned Income Disregards

Category	Formula	Source
Aged / Disabled	$65 + 1/2 of remainder	UPM 5030.10
Blind	$85 + 1/2 of remainder	UPM 5030.10

Special Needs

Item	Monthly Amount	Source
Therapeutic diet	$36.20	DSS Standards Chart; SSA 2005/2011 reports

Couple treatment: Per-person PNA ($197.35 married vs $198.55 individual); uses ssi_claim_is_joint to determine.
COLA: PNA amounts frozen per state legislation; unearned disregards adjust annually with SSA COLA.

Benefit Calculation

Budget formula: Benefit = max(0, Total Need - Countable Income)

For Community Living (alone or shared):

1. Shelter Allowance = min(actual shelter cost, max allowance for arrangement)
2. PNA = $198.55 individual / $197.35 married
3. Special Needs = therapeutic diet ($36.20 if applicable)
4. Total Need = Shelter Allowance + PNA + Special Needs
5. Unearned Disregard = arrangement-specific amount ($562 / $629.90)
6. Earned Disregard = $65 + 1/2 remainder (aged/disabled) or $85 + 1/2 remainder (blind)
7. Countable Income = max(0, unearned incl. SSI - unearned disregard) + max(0, earned - earned disregard)
8. Benefit = max(0, Total Need - Countable Income)

For Boarding Home:

• PNA = $34.75; Unearned Disregard = $469.70; no shelter allowance (included in facility rate)

For SNF:

• PNA = $75.00 (vs Medicaid's $60; AABD adds $15); Unearned Disregard = $562.00

Key rule: SSI payments count as unearned income subject to the disregard. This is the core mechanism that creates the state supplement on top of SSI.

Living Arrangements

4 categories modeled via CtSspLivingArrangement enum:

• COMMUNITY_ALONE -- own home/apartment, full housing cost
• COMMUNITY_SHARED -- living with others, not in facility
• BOARDING_HOME -- licensed boarding home / residential care home
• SNF -- skilled nursing facility / Medicaid facility

Not Modeled (by design)

What	Source	Why Excluded
24-month transfer penalty	CGS 17b-600; UPM 3025	Requires tracking asset transfers over time
Life care contract exception	CGS 17b-602	Extremely rare edge case
Mental institution exclusion	UPM 3015.05	Institutional status requires case-level data
No retroactive benefits	UPM 1560.05	Application timing not modeled
New Horizons facility	CGS 19a-507	Single specific facility
PASS deductions	SSA 2011 Report	Separate SSA program, requires individual plan data
IRWE deductions	SSA 2011 Report	Requires individual expense data
Emergency housing special need	SSA 2011 Report	Nonrecurring, max 60 days/year
Meals on Wheels / restaurant meals	SSA 2011 Report	Nonrecurring allowance
Nonrecurring special needs (moving, clothing)	SSA 2011 Report	One-time expenses
Spousal asset deeming	UPM 4025.55	Complex deeming rules; uses SSI resource test as proxy
Liens and estate recovery	UPM 7510.10	Post-death administrative process
LLR contribution (12%)	UPM 7520.05	Relative income data not available
Rental diversion ($650/$400)	DSS Standards Chart	Payment routing mechanism, not benefit calculation
Blind work expenses (itemized)	SSA 2011 Report	Simplified; $85+1/2 disregard provides enhanced blind treatment
Income exclusions (Holocaust reparations, irregular gifts)	UPM 5015.10.F	Uncommon income types; SSI income sources already exclude most

Files

parameters/gov/states/ct/dss/ssp/          (11 files)
  eligibility/
    income_cap_rate.yaml              # 300% SSI FBR
    asset_limit/
      individual.yaml                 # $1,600
      couple.yaml                     # $2,400
  personal_needs_allowance.yaml       # By living arrangement (enum breakdown)
  personal_needs_allowance_married.yaml  # Community married override
  shelter_allowance.yaml              # By living arrangement (enum breakdown)
  disregard/
    unearned.yaml                     # By living arrangement (enum breakdown)
    earned/
      aged_disabled_initial.yaml      # $65
      blind_initial.yaml              # $85
      rate.yaml                       # 0.5 (half of remainder)
  special_needs/
    therapeutic_diet.yaml             # $36.20

variables/gov/states/ct/dss/ssp/          (16 files)
  ct_ssp.py                          # SPMUnit: sums person-level benefits
  ct_ssp_person.py                   # Person: max(0, need - countable_income)
  ct_ssp_living_arrangement.py       # Enum input variable
  ct_ssp_has_therapeutic_diet.py     # Bool input variable
  eligibility/
    ct_ssp_eligible_person.py        # Categorical + financial + income cap
    ct_ssp_categorically_eligible.py # SSI-eligible + blind child logic
    ct_ssp_income_eligible.py        # Gross income <= 300% SSI FBR
    ct_ssp_resource_eligible.py      # CT-specific asset limits
  income/
    ct_ssp_gross_income.py           # Earned + unearned (for income cap)
    ct_ssp_countable_income.py       # After disregards
    ct_ssp_unearned_income_disregard.py  # By living arrangement
    ct_ssp_earned_income_disregard.py    # $65+1/2 or $85+1/2
  payment/
    ct_ssp_need_standard.py          # Shelter + PNA + special needs
    ct_ssp_shelter_allowance.py      # $400/$200/$0 by arrangement
    ct_ssp_personal_needs_allowance.py   # By arrangement + marital status
    ct_ssp_special_needs.py          # Therapeutic diet

tests/policy/baseline/gov/states/ct/dss/ssp/  (12 files, 91 tests)
  ct_ssp_person.yaml                 # 6 person-level benefit tests
  integration.yaml                   # 13 end-to-end integration tests
  eligibility/
    ct_ssp_eligible_person.yaml      # 8 eligibility tests
    ct_ssp_income_eligible.yaml      # 6 income cap tests
    ct_ssp_resource_eligible.yaml    # 9 resource limit tests
  income/
    ct_ssp_countable_income.yaml     # 8 income calculation tests
    ct_ssp_earned_income_disregard.yaml  # 12 earned disregard tests
    ct_ssp_unearned_income_disregard.yaml # 4 unearned disregard tests
  payment/
    ct_ssp_need_standard.yaml        # 7 need standard tests
    ct_ssp_personal_needs_allowance.yaml # 7 PNA tests
    ct_ssp_shelter_allowance.yaml    # 9 shelter allowance tests
    ct_ssp_special_needs.yaml        # 2 special needs tests

Verification TODO

• Verify payment amounts against DSS Program Standards Chart (3/1/2026)
• Verify eligibility logic against CGS 17b-600 and UPM sections 3030, 4005
• Verify amounts current as of 2022-2026
• CI passes

Test plan

• 91 tests pass (12 test files: eligibility, income, payment, person, integration)
• CI passes

Known Issues / Follow-up Work

• Historical parameter backdating (pre-2022 values) deferred to follow-up PR -- SSA 2005/2011 anchor data preserved in working_references.md
• Boarding home benefit is simplified (PNA + disregard structure only; facility rate is individually determined per UPM 4520.10.C)

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Codecov Report

✅ All modified and coverable lines are covered by tests.
✅ Project coverage is 99.14%. Comparing base (edaf7b1) to head (dce4b55).
⚠️ Report is 17 commits behind head on main.

Additional details and impacted files

@@            Coverage Diff             @@
##             main    #7881      +/-   ##
==========================================
+ Coverage   97.26%   99.14%   +1.88%     
==========================================
  Files           5       17      +12     
  Lines          73      234     +161     
  Branches        2        2              
==========================================
+ Hits           71      232     +161     
  Misses          1        1              
  Partials        1        1              

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[MaxGhenis]

Follow-up fixes pushed on this branch:\n\n- swapped the Connecticut community individual vs. married personal-needs allowance values to match the DSS standards chart\n- updated CT SSP gross/countable income and asset handling so deemed income/resources from an ineligible spouse flow into the mixed-status married-case tests\n- extended the CT earned-income disregard to treat deemed spouse earnings consistently\n- wired into the shared household/SPM benefit aggregates and refreshed the affected CT SSP regression baselines\n\nLocal verification: , , , , , and targeted All checks passed! all passed.

[MaxGhenis]

Follow-up fixes pushed on this branch:

• swapped the Connecticut community individual vs. married personal-needs allowance values to match the DSS standards chart
• updated CT SSP gross/countable income and asset handling so deemed income/resources from an ineligible spouse flow into the mixed-status married-case tests
• extended the CT earned-income disregard to treat deemed spouse earnings consistently
• wired ct_ssp into the shared household/SPM benefit aggregates and refreshed the affected CT SSP regression baselines

Local verification: policyengine_us/tests/policy/baseline/gov/states/ct/dss/ssp/payment/ct_ssp_personal_needs_allowance.yaml, policyengine_us/tests/policy/baseline/gov/states/ct/dss/ssp/payment/ct_ssp_need_standard.yaml, policyengine_us/tests/policy/baseline/gov/states/ct/dss/ssp/income/ct_ssp_countable_income.yaml, policyengine_us/tests/policy/baseline/gov/states/ct/dss/ssp/eligibility/ct_ssp_resource_eligible.yaml, policyengine_us/tests/policy/baseline/gov/states/ct/dss/ssp/integration.yaml, and targeted ruff check all passed.