EDD unemployment vs. SSI reporting requirements - trip winnings question
I know this is an unemployment benefits forum, but I'm hoping someone here might know about SSI rules since many people have experience with different benefit programs. My sister is on SSI (Supplemental Security Income) and just won a sweepstakes for a 5-day all-expenses-paid trip to Miami (hotel, flight, meals included). The estimated value is around $3,800. We're not sure if she needs to report this to SSI since it's not actual cash. Does anyone know if non-cash prizes like trips count as income for SSI recipients? I know for unemployment you have to report all income, but SSI rules seem more complicated with resource limits and in-kind support. Any insight would be super helpful!
15 comments


Landon Morgan
Wrong forum dude this is for EDD unemployment stuff
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Ellie Perry
•Yeah, I know, but I figured some people here might have experience with both systems or know someone who does. It's hard to find good info online about this specific situation.
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Teresa Boyd
Yes, your sister absolutely needs to report this to SSI. The Social Security Administration considers non-cash items that can be valued in cash terms (like an all-expenses-paid trip) as "in-kind income" and it could definitely affect her SSI payment. The trip's market value ($3,800) would count as unearned income for the month she receives it. I had to deal with this when I was on both UI and SSI a few years ago. She should report it within 10 days of receiving the prize or she could face penalties for unreported income. SSI has a $2,000 resource limit, so this could potentially make her ineligible for the month.
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Ellie Perry
•Thank you so much for the detailed answer! That's exactly what I needed to know. Do you think she should contact SSA before accepting the trip? The sweepstakes company is asking for confirmation in the next week.
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Lourdes Fox
my cousin won som gift cards last yr on SSI and didnt tell nobody, nothin happened to her checks. but trips might be diffrent idk
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Teresa Boyd
•That's risky advice. Just because your cousin didn't get caught doesn't mean it's okay to not report. SSI can do lookbacks and if they discover unreported income later, they can demand repayment plus penalties. Gift cards under $20 might fall under the small gift exclusion, but anything substantial should definitely be reported.
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Bruno Simmons
I've been on both SSI and unemployment at different times and YES she absolutely has to report it! Social Security considers anything with cash value as countable income or resources. She should call her SSI caseworker right away before accepting the trip. If I remember correctly, they might count it as income in the month she takes the trip, which would reduce her SSI payment for that month. If the value is high enough, it could eliminate her payment entirely for that month. Oh, and if any part of the prize can be converted to cash (like if she could take cash instead of the trip), that would DEFINITELY count against her resource limit.
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Aileen Rodriguez
i think ur looking for r/SSI or r/socialsecurity this is for EDD unemployment questions
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Ellie Perry
•Thanks, I'll try posting there too. Just thought there might be some overlap in knowledge here since sometimes people transition between different benefit programs.
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Zane Gray
While this is an EDD forum, I can share that when I was helping my mom with her SSI, we learned that ANY prize valued over $20 needs to be reported as unearned income. This includes trips, cars, even electronics or gift cards. SSI has different rules than unemployment insurance. One important thing: if your sister reports it proactively, she's much less likely to face penalties than if SSA discovers it later during an audit. They might reduce her payment for the month, but at least she'll be in compliance. Side note for anyone dealing with EDD: getting through to EDD is just as difficult as reaching SSA sometimes. I used Claimyr.com to connect with an EDD agent when I needed to sort out my own benefits situation last month. They have this handy service where they call EDD for you and connect you when an agent is on the line. Saved me hours of redial frustration! You can see how it works in their video demo: https://youtu.be/JmuwXR7HA10?si=TSwYbu_GOwYzt9km
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Ellie Perry
•Thanks for the detailed info about SSI! That's really helpful. I'll make sure she reports it right away. And I'll keep that Claimyr tip in mind if I ever need to deal with EDD again - those hold times are brutal.
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Maggie Martinez
My situation was a bit different, but when I was transitioning from unemployment to SSI last year, I had to report EVERYTHING. Like seriously, they wanted to know about a $50 birthday gift from my grandma. It's better to report and maybe have a reduced payment for a month than risk an overpayment situation later. Those SSI overpayment notices are a nightmare to deal with, trust me.
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Bruno Simmons
•OMG yes! I got hit with an SSI overpayment notice for $2,800 because I didn't report some unemployment benefits correctly. Took me almost 8 months to sort out and they were taking money from my checks the whole time. Definitely better to report everything!
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Alejandro Castro
did anyone actually answer the original question?? YES you have to report it, but NO she doesn't necessarily have to decline the trip. If she reports it properly, they'll just reduce her SSI payment for that month and then it returns to normal the next month. She should call SSA at 1-800-772-1213 and ask for guidance BEFORE accepting the trip. btw this does relate to unemployment in a way because if you win prizes while on UI you also have to report them!
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Ellie Perry
•That's really helpful! I'll have her call SSA before accepting. Good to know she might still be able to enjoy the trip even if it means a reduced payment for a month. Thanks for the direct answer!
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