Her sister Lucy pays the $138 electric bill every month.
Sample household: Maya, 29, lives on her own, has an ABLE account and $1,240 in savings. Her full SSI check is $994 in 2026, $1,029 from January 2027.
Use these files on the Try page or with the API to check the result yourself.
The result
Her check in June 2026
$876
Send it to her ABLE account
$994
Help with utilities counts as housing support, up to $351.33 a month. $118 would be counted, so her June 2026 check would be $876. Sending it to her ABLE account keeps her June 2026 check at $994.
Utilities paid by someone else count as housing support. Two reviewers check whether this bill is a utility.
Claude reads the sample bill now, and the rules engine prices what it read. Each live press is one Claude call, counted against the site’s daily AI budget of $2.
Checking today's AI budget…
Is this bill a housing cost? Each reviewer answers from its own rulebook and quotes it word for word. A program checks every quote before Giftwise acts.
Regulations reviewer
Reads only the federal regulations and the Federal Register.
A housing cost
“Shelter includes room, rent, mortgage payments, real property taxes, heating fuel, gas, electricity, water, sewerage, and garbage collection services.”
Quote checked: found word for word in that passage.
Yes, this is a shelter cost. Electricity is on the regulation's list of shelter items, so someone else paying it counts as in-kind support.
Manual reviewer
Reads only Social Security's operating manual (POMS).
A housing cost
“In household LA's, shelter costs (also known as “items of shelter” ) are mortgage payments, property insurance (if required by a mortgageholder), rent, gas, electricity, heating fuel, water, sewer, garbage collection service, and real property taxes.”
Quote checked: found word for word in that passage.
Yes, this is a shelter cost. Electricity for her home is on the manual's list of shelter costs, so someone else paying it counts as in-kind support.
The referee
Both reviewers found it in their own rulebook: this bill is a housing cost.
Giftwise will send it to her ABLE account. Her June 2026 check stays $994.
Checking today's AI budget…
Recorded Nov 2, 2026 with Claude Opus 5.5.
