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Social Security Disability and Money in the Bank





Here's a recent question. "Are You Allowed To Earn Interest From a CD of $15,000 While Being On Social Security Disability?"

Many people confuse Social Security and Supplemental Security Income disability when considering the impact of income and resources on disability eligibility.

Supplemental Security Income disability is a disability program that is based upon need; therefore, there are income and resource limits which affect SSI eligibility. Unlike Supplemental Security Income (SSI) disability, Social Security disability does not have any kind of income or resource limits because it is based upon insured status rather than need. Consequently, income (other than wages) and resources do not affect eligibility for social security disability benefits.

Social Security disability applicants or beneficiaries can have rental homes, investments, land, stocks, bonds, and CDs without any penalty. If an individual is receiving Social Security they can have as much money in the bank as they wish and there is no problem with interest earned on CDs.

SSI on the other hand is completely different. Eligibility to receive SSI benefits is affected by money in the bank, income, land, rental property, stocks, 401ks, and CDs. Why? Again, the reason SSI is affected by income and resources (of any kind) is that it is a need-based disability program meant for those who have little or no income or resources.

The non-medical criteria that establish eligibility for SSI are very similar to the eligibility guidelines for all social welfare programs. If an individual has income or resources above the SSI income and resource limits, they are not eligible for the need-based disability program.

When an individual files their disability application with Social Security, they are evaluated for both Social Security disability and SSI disability. If they meet the eligibility requirements of both programs, their disability claim will be sent to the state disability agency as a concurrent claim. If they do not meet the eligibility requirement of both programs, their disability claim can be sent as a Social Security disability or SSI only claim to the state disability agency.

Once they are medically approved for disability benefits, SSI beneficiaries have an "end line review" to address any changes in income or resources. An individual can be found medically disabled by Social Security and still not be eligible for SSI disability benefits because they do not meet income and resource limits.








  • What medical conditions will get you approved for disability?

  • What kind of Mental Problems Qualify for Disability?

  • Which conditions will social security recognize as a disability?

  • Tips for getting Social Security Disability or SSI benefits approved







  • SSDRC Homepage:

    Social Security Disability and SSI Resource Center



    The Most Basic questions about Getting Disability Benefits

    Social Security Disability SSI and whether or not you can work

    Common Mistakes to avoid after being denied for Disability

    Social Security Disability SSI Questions and Answers

    More Social Security Disability SSI Questions and Answers

    Common Questions about Social Security Disability and SSI

    Winning Social Security Disability or SSI Benefits

    The SSI Disability Benefits Program

    Social Security Disability SSI and Doctors - Yours and Theirs

    Social Security Disability and SSI Claim Reviews

    Social Security Disability SSI System and Benefits for Children




    Denials, Appeals, and Getting a Disability Lawyer or Representative

    What you should know about Social Security Disability and SSI Denials

    Questions about Disability Lawyers and Hiring a Disability Attorney




    Various Types of Benefits including SSI, Mental, and Child benefits

    Social Security and SSI based on Mental Disability

    Social Security Disability or SSI Benefits for Children

    Disability Benefits through Social Security




    Filing for Social Security Disability or SSI Benefits

    Social Security Disability SSI: Medical Evidence and Records

    Filing your claim for disability benefits

    Eligibility for receiving disability benefits




    Resources on this site

    Social Security Disability, SSI Terms and Definitions

    Previously answered questions regarding SSD and SSI



    The SSDRC Disability Blog




    For Individuals living in North Carolina

    Disability in North Carolina

    North Carolina Disability Lawyer

    Getting disability in North Carolina







    Questions and Answers about Social Security Disability and SSI Disability


    1. The Difference Between Social Security Disability and SSI Really Involves Work Activity

    2. Will The Condition You have Determine How Much You Get For Disability?

    3. If Social Security Turns Down My Case Can I apply For Disability A Second Time?

    4. If You Are Currently Working Are You Eligible To Receive Social Security Disability?

    5. Application Requirements For Disability - What Do I Need To Start The Claim?

    6. What If I Do Not Have Enough Work Credits For Social Security Benefits?

    7. What Are The Reasons For Social Security Disability Cases Being Denied?

    8. What Does It Mean If you Are Denied For Disability Because Of Other Work?

    9. Social Security Disability Hearing-How Do I Request One?

    10. The Medical Records That Are Best For A Social Security Disability Claim

    11. Winning Social Security Disability Benefits For Mental Disorders

    12. Getting a Social Security Disability Determination After Seeing a Psychologist at a Mental Evaluation

    13. How Long Will it Take To Get a Decision Letter from Social Security Disability?

    14. What are the Application Requirements For SSI Disability

    15. You Must Give Social Security Disability Your Work History When You Apply

    16. The SSD, Social Security Disability Date of Application

    17. The Psychologist Exam for Social Security Disability and SSI Claims

    18. If I am Awarded Social Security Disability Will My Benefits be Cutoff Later?