Review the personal accounts of the beneficiaries to determine if zero balances or
unreasonably low balances are being maintained. If the low or nonexistent balances
cannot be explained by high levels of personal expenditures, the report should recommend
Of equal concern is the issue of State or institution imposed ceilings on the beneficiaries'
account balances. SSA opposes restrictive ceilings on balances because they limit
substantial personal needs expenditures and transitional funds needed in the event
of a beneficiary's discharge or transfer.
SSA recommends that ceilings on SSI beneficiaries' accounts be no lower than the SSI
resource limits of $2,000 for an individual and $3,000 for a couple as set by title
XVI regulations. However, institutional staff must be alerted when a beneficiary’s
account balance is approaching the SSI resource limit. In these situations, staff
should re-evaluate the beneficiary’s spending practices and consider other appropriate
uses of the beneficiary’s funds.
NOTE: For title II only beneficiaries, it is not necessary to impose a ceiling on personal
accounts. However, if the title II beneficiary is also covered by Medicaid, there
may be a Medicaid limit which is often the same as the SSI limit.
If low resource ceilings are encountered, the onsite review report should include
a recommendation to increase the ceiling to the SSI resource limit. The report should
also cite instances where the SSI resource limit is exceeded. The local FO should
be notified of these cases so that appropriate actions can be taken.