A special rule applies when the balance of an SSI recipient's ABLE account exceeds
$100,000 by an amount that causes the recipient to exceed the SSI resource limit--whether
alone or with other resources. When this situation happens, we will place the recipient
into a special SSI suspension during which:
We suspend the recipient's SSI benefits without time limit (as long as he or she remains
The recipient is SSI eligible for Medical Assistance (Medicaid) purposes; and
The individual’s eligibility does not terminate after 12 continuous months of suspension.
Reinstate the recipient's regular SSI eligibility for all months in which the individual’s
ABLE account balance no longer causes the recipient to exceed the resource limit and
he or she is otherwise eligible.
NOTE: “SSI-eligible for Medicaid purposes” means that the individual is eligible for Medicaid
in States where Medicaid eligibility is based on SSI eligibility (For SSA determinations
of Medicaid Eligibility in 1634 States see SI 01730.000). No SSI recipients will reach this suspension status for several years (that is,
until it is possible for an ABLE account balance to exceed $100,000; that is not yet
possible due to the limitation on contributions described in SI 01130.740B.2. in this section).
EXAMPLE: Excess resources — recipient is suspended but retains eligibility for Medicaid
Paul is the designated beneficiary of an ABLE account with a balance of $101,000 on
the first of the month. Paul's only other countable resource is a checking account
with a balance of $1,500. Paul’s countable resources are $2,500 and therefore exceed
the SSI resource limit. However, since Paul's ABLE account balance causes him to exceed
the resource limit (i.e., his countable resources other than the ABLE account are
less than $2,000), suspend Paul’s SSI eligibility and stop his cash benefits, but
he retains eligibility for Medicaid in his State.