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The resource limits allowed for SSI are low, the receipt of a lump sum, including an inheritance or a settlement, can disqualify her.
She can choose to
shelter the excess amounts in certain types of special needs trusts, or
attempt to re-qualify for benefits through a process known as a “spending down.”
In order to minimize the loss of SSI , goods and services must be purchased in the same calendar month in which the lump sum is received. Buying a home in the same month would protect her benefits.
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