Suspension 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 suspend the recipient's SSI benefits without time limit (as long as he or she remains otherwise eligible);
The recipient is SSI eligible for Medical Assistance (Medicaid); 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 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
If an individual reaches the $100,000 account balance limit, please contact your regional office so that they can alert the central office.
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 retain his eligibility for Medicaid in his State.