Social Security and SSDI are contribution-based programs. ... However, receiving an inheritance won't affect Social Security and SSDI benefits. SSI is a federal program that pays benefits to adults over age 65 and children who have limited income and resources and are blind or disabled.

How can I protect my SSI from inheritance?

Generally, the most effective solution is to accept the inheritance and transfer it to a special needs trust, which is permissible under the law. A special needs trust holds your inheritance to be managed by a trustee and used for your benefit.

Will I lose my benefits if I inherit money?

Receiving an inheritance may well result in the loss of an individual's entitlement to benefits. Most benefits are means tested. This means that once income and savings exceed a certain threshold benefits reduce and eventually cease.