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SSI Exclusions for Building Assets

  • Income and resources other than SSI may be set aside in a Plan to Achieve Self-Support (PASS) account to help buy goods and services needed to reach a vocational goal.
  • A PASS account must be approved by SSA. SSA closely monitors PASS accounts to make sure money is deposited and withdrawn as approved.
  • Achieving a Better Life Experience (ABLE) accounts allow individuals to save money and receive gifts without impacting their SSI eligibility.
  • To establish an ABLE account, the designated beneficiary must have a disability that began before age 26 (this will increase to age 46 in January 2026).
  • There are annual contribution limits for how much can be added to an ABLE account. In 2024, the limits are $18,000 from any source and up to $14,580 from the designated beneficiary’s earned income.
  • The SSI program ignores to $100,000 saved in an ABLE account. If more than $100,000 is saved and the excess amount takes the beneficiary over the SSI resource limit of $2,000, then the person’s SSI payments are suspended indefinitely until the excess amount is below the resource limit.