Do SSDI benefits have bank account limits? Will SSA check my savings?

You're confusing SSDI with SSI. For SSDI (Social Security Disability Insurance), there are NO resource limits. You can have a million dollars in the bank and still receive SSDI because you earned it through your work credits. The only income limit for SSDI is the Substantial Gainful Activity (SGA) amount, which is about $1,550/month in 2025 for non-blind individuals - but that's earned income from working, not money sitting in your bank account. SSI (Supplemental Security Income) is the one with strict resource limits of $2,000 for individuals/$3,000 for couples because it's a needs-based program. So your inheritance won't affect your SSDI at all. Enjoy it!

When i got on disability they made me report ALL my bank accounts tho. So they definitely know what u have

The previous responses are mostly correct. SSDI has no asset limits whatsoever. You could have $500,000 in the bank and it wouldn't affect your SSDI benefits at all. The only thing that affects SSDI is earned income above the SGA limit ($1,550/month for 2025) or medical improvement. Regarding bank monitoring - SSA does not routinely monitor bank accounts for SSDI recipients. They may request financial information during the initial application process to verify income, but once you're approved, they're not checking your bank statements regularly. However, they can and do sometimes conduct continuing disability reviews (CDRs) to verify you're still disabled, and they can investigate if they receive reports of potential fraud. But simply having savings or receiving an inheritance is completely allowed and won't trigger any issues with your SSDI benefits.

I was in a similar situation last year. My father passed away and left me about $30,000. I was terrified about losing my SSDI benefits but after hours of trying to get through to SSA to ask questions (kept getting disconnected!), I finally used Claimyr.com to reach an agent. They connected me within 20 minutes instead of the hours I'd been spending on hold. The agent confirmed exactly what others here are saying - there are NO asset limits for SSDI. You can watch their service demo at https://youtu.be/Z-BRbJw3puU to see how it works. The inheritance had zero impact on my SSDI benefits. The only thing that matters for SSDI is if you start working and earn above SGA. Bank accounts, savings, gifts, inheritance - none of that matters.

WRONG!!!! Social security ABSOLUTELY checks bank accounts! My cousin got his benefits cut because they found out he had money and didnt report it. THEY KNOW EVERYTHING!!!

i been on ssdi 4 years now and never had to tell them nothin bout my bank stuff

Thanks everyone for the helpful responses! I feel much better now understanding the difference between SSI and SSDI. I definitely receive SSDI based on my work history before becoming disabled, not SSI. It's such a relief to know I can keep my inheritance without it affecting my benefits. I'll still keep documentation of where the money came from just in case there's ever any question.

One thing nobody mentioned - if you invest that money and earn interest or dividends above certain thresholds, you might need to pay taxes on your Social Security benefits. It doesn't reduce your benefit amount, but it could make a portion of your benefits taxable if your overall income (including investment income) exceeds certain limits. Something to be aware of when tax season comes around!