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Good afternoon, I'm Doug, and I'm very sorry to hear of your situation. My goal is to provide you with excellent service today. If you received an inheritance and you have $39,000 in the bank, neither you nor your husband are eligible for SSI at the moment. And neither of you will be eligible again until the money is spent down such that you don't have more than $3,000 in non-exempt assets. You are going to have to do something with the money, and a special needs trust is one idea. There are other possibilities, and you need to seriously speak with your attorney about getting this done as soon as possible. You may reply back to me again, using the Reply to Expert link, if you have additional questions. I wish you the best in your future, Doug