A Baltimore Mother of Three Had Her Food Stamps Approved — Then the New Federal Rules Changed Everything

One Baltimore woman's SNAP benefits journey reveals what new federal work requirements under the One Big Beautiful Bill Act may mean for millions.

A Baltimore Mother of Three Had Her Food Stamps Approved — Then the New Federal Rules Changed Everything
A Baltimore Mother of Three Had Her Food Stamps Approved — Then the New Federal Rules Changed Everything

The waiting room at the Baltimore County Department of Social Services office on Greenspring Avenue is the kind of place that quietly tells you everything about a community’s breaking points. Plastic chairs bolted together in rows. A number-dispensing machine by the door. Fluorescent light that makes everyone look a little exhausted. When a social worker suggested I speak with Marlene Uribe in January 2026, that’s where I found her — sitting with a stack of papers she’d printed at the library, organized with paper clips, a highlighter tucked behind her ear.

Marlene is 57 years old, a licensed real estate agent, a wife, a mother. She is not the person most people picture when they picture a food stamp recipient. That, she told me later, was exactly the problem.

A Real Estate Agent Who Fell Through the Cracks

For twenty years, Marlene Uribe sold rowhouses in Baltimore’s working neighborhoods — Hampden, Waverly, Pigtown. She knew the city block by block, and for a stretch in the early 2010s, she was clearing $55,000 a year. Then the market contracted, her health deteriorated, and the commissions that had kept the family stable dropped sharply.

By early 2025, Marlene was earning approximately $1,200 a month from sporadic transactions. Her husband, Tomás, stays home full-time to support their 14-year-old son, who has autism and requires consistent daily structure that outside care hasn’t reliably provided. In 2022, after years of managing worsening degenerative disc disease, Marlene was approved for SSDI through the SSA’s disability benefits program, adding $780 a month to the household. Their total monthly income came to roughly $1,980 — just under Maryland’s SNAP gross income threshold for a household of three.

$1,980
Marlene’s household monthly income (SSDI + commissions)

$612
Monthly SNAP benefit approved for family of three

8 months
How long she waited before applying

On paper, Marlene’s household qualified. In practice, getting to that approval took nearly a year of documentation, a denial, and an appeal she navigated entirely on her own.

The Application She Resisted for Eight Months

When I asked Marlene why she waited so long to apply for SNAP, she didn’t hesitate.

“People like me don’t do this. We figure it out ourselves. I kept telling Tomás, we’ll find a way. But there’s only so many ways left to find when the refrigerator is half empty.”
— Marlene Uribe, 57, Baltimore, MD

She submitted her SNAP application through Maryland’s myMDTHINK benefits portal in March 2025. The process required documenting her commission income — which fluctuates month to month — along with her SSDI award letter, her son’s disability support documentation, and utility bills. In April 2025, she received a denial. The caseworker had calculated her income using her 2024 tax return, which reflected a stronger year of sales. The number on paper didn’t match the reality of her 2025 earnings.

⚠ IMPORTANT FOR COMMISSION EARNERS
SNAP applications for people with irregular or commission-based income require current pay documentation — bank statements, recent contracts, and a written explanation of earning fluctuations. A previous year’s tax return alone may cause caseworkers to overestimate income. If your application is denied on this basis, you have the right to request a fair hearing and resubmit with current documentation.

Marlene requested a fair hearing, gathered three months of bank statements showing her actual 2025 commissions, and resubmitted. In July 2025 — sixteen months after she first became financially eligible — she was approved for $612 a month in SNAP benefits for her household of three.

Marlene’s SNAP Timeline
1
November 2023 — Household income drops below SNAP eligibility threshold after slow sales quarter

2
March 2025 — Marlene finally submits SNAP application via Maryland’s myMDTHINK portal

3
April 2025 — Application denied; income miscalculated using prior-year tax return

4
May–June 2025 — Fair hearing requested; current bank statements and commission records compiled and resubmitted

5
July 2025 — Approved at $612/month for household of three

When the Federal Ground Started Shifting

For seven months, that $612 made a measurable difference. Marlene told me she could buy fresh vegetables again, that her son’s diet improved, and that the tension in the household over grocery runs eased noticeably. Then, in late 2025, Congress passed the One Big Beautiful Bill Act.

The legislation imposed stricter SNAP work requirements and shifted a larger share of program costs to individual states — a structural change that policy analysts warned could ripple through state budgets and force benefit cuts. According to ProPublica’s reporting on Arizona’s SNAP participation drop, nearly half of Arizona’s SNAP recipients lost benefits after the state implemented the new requirements — a development that investigators described as a potential preview of what could come nationwide.

KEY TAKEAWAY
Nearly half of Arizona’s SNAP participants lost benefits after the state implemented new federal work requirements under the One Big Beautiful Bill Act — a drop that ProPublica described as a potential alarm bell for the rest of the country.

When I showed Marlene those numbers at a diner on North Charles Street in February 2026, she set down her coffee cup and looked out the window for a moment.

“Half. Half of them lost it. I don’t know how those families are eating right now. Honestly, I don’t know how we’re going to be eating in six months.”
— Marlene Uribe, on Arizona’s SNAP participation drop

The Disability Exception — and Its Limits

Marlene’s situation occupies a complicated space within the new work requirement framework. She receives SSDI, which the SSA’s disability benefits program reserves for individuals whose medical conditions prevent substantial gainful activity. But she still does limited real estate work, legally permitted under the program’s Substantial Gainful Activity threshold of $1,550 per month in 2025. This partial work activity complicates any straightforward disability exemption claim.

Provision Before One Big Beautiful Bill Act After One Big Beautiful Bill Act
Work requirement age range Ages 18–49 (able-bodied, no dependents) Expanded to ages 18–54
Monthly hours required 80 hours 80 hours, stricter documentation
State cost-sharing Federal government paid nearly 100% States required to fund a portion
Disability exemptions Broadly recognized at federal level Recognized but state interpretation varies

Marlene, at 57, currently falls outside the new age range for mandatory work requirements. But the legislation also grants states broader authority to extend those requirements, and as of our February 2026 interview, Maryland had not issued clear guidance on how it would implement the cost-sharing provisions or whether it would expand work requirement enforcement. She found a printout of the eligibility rules on Benefits.gov and had highlighted three separate lines in yellow marker.

“I read this thing four times,” she told me, smoothing the paper flat on the diner table. “And I still don’t know for sure if I’m safe.”

A Stubborn Kind of Survival

Marlene doesn’t frame her story as a crisis. She describes herself, with some pride, as someone who doesn’t ask for help and doesn’t complain. She told me she watched her mother work two jobs and never once go to a government office for anything. Accepting food assistance — even from a program she’s contributed to through payroll taxes for thirty years — still feels, in her words, like “standing in a line you weren’t supposed to be in.”

“People tell me, ‘Marlene, you paid into this system for 30 years.’ And they’re right. But it still feels like standing in a line you weren’t supposed to be in.”
— Marlene Uribe

That self-reliance also has a cost. She estimates that her eight-month delay in applying consumed approximately $4,900 in savings that might otherwise have served as a buffer against the policy uncertainty she now faces. Her credit score, damaged by medical debt accumulated before her SSDI approval came through, continues to block her from refinancing the rowhouse she and Tomás own in Northeast Baltimore — a refinance that could lower their monthly mortgage payment by roughly $190.

She navigated the SNAP denial and appeal process without a lawyer or benefits counselor. She documented every caseworker interaction, responded to every information request within 24 hours, and showed up to every appointment. It worked. But she did it entirely alone, and she knows that most people in her situation don’t know that a fair hearing is even an option.

⚠ IF YOU RECEIVE A SNAP TERMINATION NOTICE
You generally have the right to request a fair hearing within 90 days of a denial or termination. In most states, if you request a hearing before your benefit end date, your benefits may continue during the appeal process. Contact your state’s SNAP agency directly, or find resources through Benefits.gov to locate local legal aid organizations that assist with benefit appeals at no cost.

Where Things Stand in April 2026

As of this reporting, Marlene Uribe is still receiving her $612 monthly SNAP benefit. Her caseworker told her informally that her age and SSDI status should protect her under the current Maryland framework. The word “should” is doing a lot of work in that sentence, and Marlene is acutely aware of it.

Maryland has yet to announce how it will handle the cost-sharing provisions that the One Big Beautiful Bill Act places on states. If the state faces budget pressure and tightens eligibility, Marlene’s partial work activity — a few real estate transactions a month — could complicate her disability exemption claim in ways that are difficult to predict from a waiting room in Baltimore.

She told me she’s started keeping printed copies of every document she’s ever submitted to the SNAP office, organized in a three-ring binder. She updates it every time she closes a real estate transaction or receives an SSDI payment adjustment. She is preparing, in her own way, for a fight she hopes she won’t have to have.

“I’m not the type to panic. But I’m also not the type to pretend I don’t see what’s happening. If somebody else is sitting where I was sitting, maybe they won’t wait eight months.”
— Marlene Uribe, February 2026

Marlene’s story doesn’t resolve neatly. The benefits are there, for now. The legislation is real, and its consequences are already visible in states that moved faster than Maryland. When I left the diner on North Charles Street, she was still at the table, going through her stack of papers — not panicking, not giving up, just trying to make sure she understood exactly where she stood.

That, perhaps more than anything else she told me, is what I keep thinking about.

What Would You Do?

You’re 54, receiving SSDI for a back condition, and working part-time on commission — roughly $1,100 a month. Your household SNAP benefit of $612 covers a significant share of your family’s groceries. Your state just announced it will begin reviewing work requirement exemption documentation next month, and you haven’t formally submitted your SSDI award letter as a disability exemption to your SNAP caseworker.

This is an illustrative scenario — not financial or professional advice. Consult a qualified professional for your situation.

Frequently Asked Questions

What new SNAP work requirements did the One Big Beautiful Bill Act impose?
The One Big Beautiful Bill Act expanded SNAP work requirements to include able-bodied adults up to age 54 (previously age 49), requires documented proof of at least 80 hours of monthly work or training, and shifts a portion of SNAP program costs to individual states — giving states financial incentive to tighten eligibility.
How many SNAP recipients lost benefits in Arizona after the new rules took effect?
According to ProPublica’s reporting, nearly half of Arizona’s SNAP participants lost benefits after the state implemented the new federal requirements under the One Big Beautiful Bill Act, prompting policy analysts to describe Arizona as a potential nationwide alarm bell.
Can someone receiving SSDI still qualify for SNAP benefits?
Yes. SSDI recipients can qualify for SNAP if their household income falls below the program’s gross income threshold — 130% of the federal poverty level. For a family of three in 2025, that was approximately $2,311 per month. SSDI status may also support a work requirement exemption, though state implementation of federal rules can affect how those exemptions are applied.
What is the maximum SNAP benefit for a family of three in 2025–2026?
The maximum monthly SNAP benefit for a household of three in fiscal year 2025 was approximately $975. Actual benefits are reduced based on net household income after allowable deductions — which is why Marlene Uribe received $612 per month rather than the maximum.
What should I do if my SNAP application is denied because of irregular commission income?
Request a fair hearing — most states allow 90 days from the denial date. Compile current documentation including recent bank statements and a written explanation of your income pattern. Prior-year tax returns can misrepresent current earnings for people paid on commission, and a hearing gives you the opportunity to present accurate, current financial records.
366 articles

Camille Joséphine Archer

Senior Benefits & Social Programs Writer covering student loans, SNAP, housing, and VA benefits. J.D. Howard University. Former HUD Policy Analyst.

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