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Maintain Benefits

Maintain your current benefits.

You don’t have to be receiving public benefits to own an IAble account, but if you are receiving, or planning to apply for public benefits, your IAble account can protect you from asset caps.

  • IAble account assets are excluded in determining entitlement to any federal needs-based benefits. This includes such programs as Supplemental Security Income (SSI), Social Security Disability Insurance (SSDI), Medicaid, Supplemental Nutrition Assistance Programs (SNAP), Housing and Urban Development (HUD) and the Free Application for Federal Student Aid (FAFSA).

  • If you receive SSI, you can save up to $100,000 in your IAble account and still receive your monthly SSI benefits. At $100,000, SSI benefits will be suspended until the account balance no longer exceeds the resource limit.1

  • You'll continue to be eligible for Medicaid, regardless of your account balance.2

  • Funds you withdraw from your IAble account to use for housing expenses must be spent within the same month you make the withdrawal or your SSI benefits may be affected.


1Please see the Plan Disclosure Documents for complete details on SSI suspension and any requirements on when you use the funds, to prevent suspension of benefits.
2Upon the death of the account owner, the state Medicaid agency shall be a creditor for the total medical assistance paid under the state’s Medicaid program on behalf of the account owner after the establishment of the account, upon filing of a claim for payment by such state.
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