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SNAP and the Truth About “Living on Food Stamps”

Tiffany Griffiths, Psy.D.

Let’s talk about “food stamps,” which is the old slang. The real program is called SNAP — the Supplemental Nutrition Assistance Program. SNAP is not an urban legend. It’s a federal nutrition benefit that helps tens of millions of people in the U.S. buy food in a typical month.

There’s a lot of story around SNAP. Lazy people milking the system. “Free money.” Generational dependence. Fraud everywhere. Politicians using recipients as punching bags. You’ve heard all of it.

This document walks through what’s actually true, using current data, and keeps our nervous systems regulated while we do it.

1. Who’s actually on SNAP?

Here’s the short version: mostly families, elders, and disabled people.

According to the U.S. Department of Agriculture (USDA), which runs SNAP, about 4 out of 5 SNAP households — roughly 79% — include at least one of the following: a child, an elderly adult, or a nonelderly adult with a disability.

That matters. The lazy-adult-living-off-the-system stereotype ignores that the program is literally designed to keep kids fed, keep disabled adults alive, and keep seniors from having to choose between food and medication.

More detail:

  • About three-quarters of SNAP households live at or below the federal poverty line. That means they’re not just “sort of struggling.” They are officially poor.
  • When you add SNAP to whatever income they do have, it’s often the difference between “officially in poverty” and “barely out of it.” SNAP benefits have literally lifted a meaningful share of participating households above the poverty line in recent years.

Racially, SNAP is not “for” one group, despite what gets thrown around online. The single largest racial group receiving SNAP benefits is white, followed by Black, then Hispanic/Latine, then Asian, Native, multiracial, and so on. In other words: this program cuts across races, regions, and politics. It’s rural and urban. It’s red states and blue states. Hunger does not care who you voted for.

2. How much money are we talking about?

SNAP benefits are not a salary. They’re not rent money. They’re not cash. You get a set amount of money on an EBT card (an electronic benefits transfer card, like a debit card), and you can use it for eligible food.

The average SNAP household benefit is on the order of a few hundred dollars per month. That works out to roughly $9–10 per day for the whole household.

Let’s pause and do the math slowly.

If a household is getting about $300 per month:

$300 per month ÷ 30 days in a typical month = $10 per day for the whole household.

Now say that “household” is a single mom and two kids. That’s three people.

$10 per day ÷ 3 people = about $3.30 per person per day.

Three dollars and thirty cents per person per day is not “living large.” That is stretching rice, eggs, peanut butter, and frozen vegetables with actual strategy. It is coupon math and bulk math.

SNAP is not designed to cover 100% of your food. It’s designed to supplement (that’s literally in the name). You’re still expected to spend a chunk of your own income on groceries. If you have income.

3. “People on SNAP don’t work.”

This is one of the loudest claims, and it’s just false.

Here’s how it actually looks:

  • A large share of SNAP households have earnings from work. The program increasingly serves the working poor — meaning people who are employed but still can’t afford basic needs.
  • Many who aren’t working are kids, elders, or disabled. Again, most SNAP households include at least one person in those categories.

So “get a job” is not the magic fix. The majority of able-bodied adults without dependents already face work requirements or time limits in most states. And a lot of them are working — in low-wage, unstable-hour, no-benefits jobs where missing two shifts can mean not making rent.

Here’s the structural issue: In the U.S., we have an economy where you can work and still not be able to afford food. SNAP is a bandage on that wound.

4. “People just stay on food stamps forever.”

SNAP is often temporary.

Many recipients cycle on and off because they’re using it during a crisis: job loss, medical event, divorce, rent spike, natural disaster. When income goes up, benefits go down or end. The benefit formula is built to phase people out as soon as they no longer meet income limits, and states recertify eligibility regularly.

There’s a myth of generational dependence, but the data show a choppier, more unstable reality. People don’t glide on SNAP for decades; they fall into SNAP because something in their life broke, and then they climb out, and sometimes fall back in again. That’s not moral failure. That’s volatility. That’s America’s safety net working like a seatbelt for sudden impact, not like a hammock.

5. “SNAP is full of fraud.”

This one is emotionally sticky, so let’s define words.

Fraud means intentional, knowing abuse of the program — like lying about income to qualify, or “trafficking” benefits (trading them for cash, which is illegal).

Errors mean a mistake in calculating someone’s benefit, like a caseworker entering the wrong rent amount or a household forgetting to report something small.

Politicians and some media like to blur those two categories, because “fraud” sounds like villains.

Here’s what current oversight bodies actually say:

  • Federal watchdogs estimate that a bit over one in ten SNAP dollars in recent years was paid out incorrectly. These are called “improper payments,” and that includes both overpayments and underpayments.
  • Improper payments are mostly not scams. They’re usually paperwork problems in overwhelmed state agencies, math errors, delayed income verification, etc.
  • Payment error ≠ fraud. The agency that runs SNAP is explicit about this. Payment error is about accuracy. Fraud is about deliberate deception.

At the same time, states sometimes go too far and accuse people of “trafficking” with very weak evidence. Some people have been kicked off SNAP or threatened with repayment just because their purchase patterns “looked suspicious” in a database — like buying the same dollar amount repeatedly — even when there was no real proof of intentional fraud. Courts have pushed back, saying data patterns alone aren’t enough to prove intent.

Here’s the twist: because “fraud” is such a powerful political talking point, states are under pressure to get tougher and tougher. That sometimes means eligible people — kids, elders — lose food support because a caseworker or algorithm flagged them. That’s not “protecting taxpayers.” That’s rationing hunger.

6. “SNAP is exploding and everyone is on it.”

SNAP participation does go up when the economy is stressed (recession, pandemic, inflation spikes). That’s the design. Economists call this an “automatic stabilizer”: when people get poorer, the program expands so those people can still eat.

In any given recent year, roughly 1 in 8 people in the United States receives SNAP. Some states have far higher usage because they are poorer on average. High SNAP usage is a poverty indicator, not a moral failing indicator.

7. So what does SNAP actually do for the country?

Let’s zoom out.

SNAP:

  • Reduces hunger. Hunger is not just “uncomfortable.” Chronic food insecurity raises risk for anxiety and depression, worsens physical health, and affects kids’ learning and behavior. The brain does not do algebra well when it’s busy counting calories.
  • Keeps people from sliding into deeper poverty. SNAP combined with other income sources literally pulls many households above the poverty line who would otherwise still be below it.
  • Targets vulnerability. The majority of SNAP dollars go to households that include a child, an elderly adult, or a disabled adult.
  • Pumps money into local grocery stores. SNAP dollars get spent immediately and locally. Economists point out that SNAP has one of the highest “multiplier effects” in a downturn: every dollar issued tends to generate more than a dollar in local economic activity.

8. What’s real, underneath the talking points

Here is what’s actually true, and it’s less flashy than the memes:

People on SNAP are mostly:

  • Working poor families trying to keep kids fed,
  • Seniors on fixed income whose grocery bill now outruns their Social Security check,
  • Disabled adults who cannot reliably work,
  • People in a temporary shock event (job loss, illness, housing crisis) where missing two weeks of income means missing dinner.

The benefit is:

  • Modest (on the order of $3–4 per person per day),
  • Food only,
  • Cut off the second your reported income rises past the threshold.

The system is:

  • Heavily policed and audited,
  • Sometimes so aggressive that innocent people get kicked off based on “suspicious patterns,”
  • Politically useful as a symbol of “waste,” even though actual intentional fraud is comparatively rare and most “errors” are clerical.

SNAP is not glamorous. SNAP is survival engineering.

From a systems perspective, SNAP is how a society prevents the base layer from collapsing. Hunger collapses a nervous system fast. Hungry people can’t heal, can’t learn, can’t parent with patience, can’t participate in community, can’t hold spiritual practice. Feeding people is base-layer repair. It’s not the whole path, but without it, nothing higher stabilizes.

The next step in this conversation is not “do we help people eat.” It’s “why are so many full-time workers and elders still so close to empty?”

Tiffany Griffiths
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