Authors: Lucy Axton Miller, Susan O’Mara, and Elizabeth E. Getzel | Many students with disabilities receive some form of disability benefit from the Social Security Administration. There is a common misconception among individuals with disabilities, their families and the disability services provider community that saving for post secondary education is not permitted under the Social Security disability benefit program rules. In fact, for individuals receiving disability benefits authorized under title II of the Social Security Act, there are no restrictions placed upon asset accumulation or the amount of resources a beneficiary may have.
The title II disability programs include:
- Social Security Disability Insurance (SSDI),
- Childhood Disability benefits (CDB) and
- Disabled Widow(er)s Benefits (DWB).
Many other students receive benefits from the Supplemental Security Income (SSI) program. Currently, SSI program rules require that eligible individuals have no more than $2,000 of countable resources with a $3,000 limit for two SSI recipients who form an eligible couple.
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