Will a $10,000-$11,000 inheritance affect my SSDI in Oregon?

Question

I currently receive SSDI benefits and am expecting an inheritance valued between $10,000 and $11,000. I plan to use the money to catch up on bills and potentially repair my truck. How might this inheritance impact my SSDI benefits, and are there any specific steps I should take to ensure compliance with SSDI regulations in Oregon?

Nina Whitehurst · Answer

SSDI is NOT needed based (no asset test) so it will not be affected by any inheritance.  
 
 If you were receiving SSI, which is needs based, you would need to quickly develop a strategy to spend your inheritance in such a way as to not impact your SSI.

James L. Arrasmith · Answer

An inheritance of \$10,000 to \$11,000 will *not* affect your SSDI benefits. SSDI is based on your work history and disability status, not on your financial resources or assets. You can receive an inheritance, savings, or property without it changing your monthly SSDI payment, as long as you’re not earning income through work that exceeds the program’s limits. 
 
However, if you're also receiving Supplemental Security Income (SSI) or Medicaid, then the inheritance could impact those, since they are need-based and have strict asset limits. If you only receive SSDI and not SSI, you don’t need to report the inheritance to Social Security unless it begins generating income, like interest or rent. 
 
It's still a good idea to keep documentation of how the money was received and how it was spent—especially if you're planning to use it for one-time expenses like bills or truck repairs. That way, if any questions come up later, you have clear records to show that the funds were not regular income. You’re making a smart move by planning ahead and staying informed.

Q: Will a $10,000-$11,000 inheritance affect my SSDI in Oregon?