Submitted by Anonymous (not verified) on Thu, 07/07/2011 - 18:15

What will happen to my benifits if I inherit any money?

MARY SMITH SPROLES (not verified)
Mon, 11/02/2015 - 14:58 Permalink



In reply to by MARY SMITH SPROLES (not verified)

Tue, 11/03/2015 - 09:36 Permalink

If you're on SSDI, this will not matter. If you're on SSI, any inheritance more than $2,000 could disqualify you. If you are on SSI and are receiving a large inheritance, I would contact the SSA immediately. You can set up a special account for the funds, or you may have to forfeit the inheritance.

Al (not verified)
Wed, 12/09/2015 - 22:35 Permalink

Im on SSDI and inherited funds which I used to buy property in cash, my questions are:

If I decided to sell the property, would any left over funds possibly cost me my SSDI ben though I bought it with my inheritance?

If i decided to rent the property, would I still be able to keep my SSDI benefits?

Lily (not verified)
Thu, 01/14/2016 - 20:48 Permalink

What if I'm on SSDI and sell my home will this effect my SSDI benefits? Can I transfer title of home without issues?

Marion (not verified)
Tue, 03/22/2016 - 08:29 Permalink

I currently receive SSDI funds so if I inherit property and currently own my home can I rent this new property or do I have to sell the property?
What is required for me to report inheritance to SS?


In reply to by Marion (not verified)

Tue, 03/29/2016 - 12:26 Permalink

Hi Marion,
SSDI income limits only relate to earned income, so in order to rent the property and receive income from it, you would have to establish that you are not doing any work to get that income. Additionally, you do not have to report the inheritance to the SSA.
I would contact them for more information about their definition of "work" in these circumstances, we've got a list of local offices here:…

Norman (not verified)
Sun, 06/12/2016 - 15:42 Permalink

Hi, I will be coming into an inheritance worth about 100,000 to 300,000 I'm on SSI. I am more concerned about losing my medical insurance. Will I lose my medical insurance?


In reply to by Norman (not verified)

Mon, 06/13/2016 - 15:02 Permalink

Hi Norman,
If you've got private insurance, you should be all set. If you're receiving Medicare, I would call your state's Medicare office to get some more information.
Since Medicare is run state-by-state, I would not be able to say if you would become ineligible for benefits based off of your inheritance.

carl (not verified)
Tue, 12/06/2016 - 18:51 Permalink

if were to inherit savings bonds , will that effect ssdi benefits?


In reply to by carl (not verified)

Wed, 12/07/2016 - 10:49 Permalink

Hi Carl,
That may not affect your SSDI benefits as SSDI benefits are based on work history and not your current income.

Jennifer (not verified)
Sat, 02/04/2017 - 08:31 Permalink

My husband will inherit some money in the next few months, however he hasn't been able to work for the last month and the dr has told him not to go back to work. He is needing to file for SSDI but we were told if he does that before he receives his ibheritace that they will take that money. Is this true?


In reply to by Jennifer (not verified)

Mon, 02/06/2017 - 12:57 Permalink

Hi Jennifer,
I'm not aware of any regulation or stipulation regarding the SSA taking inheritance money because someone received it while they had an open SSDI application, as SSDI benefits are based on work record, rather than income or resources.

Krys (not verified)
Fri, 02/10/2017 - 08:44 Permalink

I was awarded ssi by an ad ministrations law judge about a year and half ago same time decision came in father passed away leaving monies to me ..the man at ss told me I would receive the benefits once the cash is depleted. Question ..knowing my fathers wish I'd like to know if it is permissible to put money into an Ira for my daughter
I am disabled and need an answer asap please.


In reply to by Krys (not verified)

Tue, 02/14/2017 - 09:27 Permalink

Hi Krys,
You may need to place the money in something like an ABLE account, or a special needs trust, both types of account are exempt from SSI savings and income limits and as such you may still be eligible if you have that money in those types of accounts.

Sandi (not verified)
Fri, 02/24/2017 - 16:04 Permalink

I am on SSDI and medicare. I am due to get an inheritance of appox. 60k . I know my SSDI is ok
but what about the Medicare ?


In reply to by Sandi (not verified)

Wed, 03/01/2017 - 12:22 Permalink

Hi Sandi,
Medicare is not income-based, so your medicare benefits may be unchanged due to your inheritance. However, if you receive any income-based aid, such as SSI or Medicaid, your benefits may change due to that inheritance.

cindy hampton (not verified)
Fri, 03/10/2017 - 20:04 Permalink

i have 2 doctors that have written statements saying i need a service ans i'm on ssdi and have been for years. anyway, i had a puppy given to me and i've had her for 6months,got her at 4 weeks. i'm not asking for a service dog, i just need some help training her. i now have both my shoulders' that are going to need surgery and it will take alot of time to heal. like i said i'm on disability and make under 900. a month and my other bills. any ideas on where to look? i live in a small hick town that can't help, unless the cops shot the breed!

Mon, 03/13/2017 - 16:42 Permalink

Hi Cindy,

You may want to contact a Social Security attorney or advocate about your case.

Best Wishes,

Nikki (not verified)
Thu, 12/14/2017 - 20:35 Permalink

My brother receives SSDI. Our father died and he is a beneficiary on 2 IRA. If he cashes in the inherited IRA will it affect his benefits?

Yvonne (not verified)
Thu, 10/10/2019 - 15:03 Permalink

My father recently passed. I have inherited his home and purchased one for my family. The family has decided to rent out his home instead of selling it. I am on SSDI, will the purchase and renting out my fathers home effect my SSDI benefits? I also will start receiving a nominal monthly amount from his investments, will this effect SSDI? Do I need to inform SSDI of these changes?Thank You


In reply to by Yvonne (not verified)

Fri, 10/11/2019 - 14:40 Permalink

Hi Yvonne,

SSDI is based on your own work history and not any forms of income. Therefore there should not be any changes to your benefits.

Jose (not verified)
Tue, 11/05/2019 - 16:33 Permalink

I have been receiving benefits for a couple of years now and just discovered I am going to receive an inheritance of around 50k from a recently passed relative. I understand that SSDI benefits will not be affected by the inheritance, but SSI benefits could be affected. My problem is I honestly don't remember which government alphabet soup is it that I receive, SSDI or SSI. Is there a simple place I can double-check which I actually receive? Would the social security website have it?


In reply to by Jose (not verified)

Fri, 11/08/2019 - 14:38 Permalink

Hi Jose,

You can call the SSA at 1 (800) 772-1213 to retrieve any information about your benefits.

Anonymous (not verified)
Sun, 12/01/2019 - 22:55 Permalink

I was awarded disability benefits in 2017. I was also awarded a settlement from a car accident I was in. My question is how can I receive my disability and still benefit from my automobile accident settlement?


In reply to by Anonymous (not verified)

Tue, 12/03/2019 - 15:48 Permalink


Disability is not based on income. It is only based on your previous work history, therefore there should be no changes to your disability. For more details about your specific case, you can always give your local SSA office a call.

MIKE (not verified)
Tue, 12/10/2019 - 09:44 Permalink

What is the diference between SSDI and SSI.


In reply to by MIKE (not verified)

Tue, 12/10/2019 - 17:28 Permalink

Hi Mike,

In short, SSDI and SSI both have the same medical requirements (outlined in the Blue Book). To also qualify for SSDI, you'll need to have enough work credits (which are earned by paying into Social Security taxes - the amount needed varies with age). For SSI, the amount of work credits you have doesn't matter. Instead, it's based on income. You will need to be within the SSA's income limits to qualify for SSI.

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