Thank you all for the help!

I have one big........well,problem though.We have $43,000 in the bank from an inheirtance i received a couple years ago.We have not spent much at all knowing i am unable to work.From what i read this would be a big problem meeting the requirments?

I know i could easily spend that having our old house fixed up some and then apply but this terrifies me again,knowing i am unable to work

Should we take it and play red or black?

Kiddin...any further suggestions?

That's a scary choice. At least if you put the money into the mortgage, you might be able to borrow it back again if you need it. If you put it into repairs, you day to day life might be easier but your safety net would be gone. There's no guarantee that you'll even be found disabled for SSI and SSA will not make a decision if you have excess resources.

Why not try to work enough to earn the quarters you need? 12 hours a week at $8 per hour might be enough for four quarters in 2011.

Unless Point Blank has kept his $43,000 in a non-interest bearing checking account, there is a paper trail of the interest that the account paid in 2009 and in 2010. Called a form 1099. It will be reported to the IRS. The IRS turns all that data to SSA for people who are on SSI. SSI applicants agree to this when they apply. If they refuse, their SSI claim will be denied. SSI applicants also agree that SSA can check any bank they want to look for unreported assets. If they disagree, their claims can be denied. The discovery of the closed bank accounts is often done months after benefits begin and every penny of SSI paid can be considered an overpayment, the case can be referred to OIG for a fraud investigation and future SSDI benefits or federal tax refunds can be withheld to repay the overpayment.

Probably not the best plan.

An inheritance is a resource I would be very careful if I were you.

http://ssa-custhelp.ssa.gov/app/answ...%20inheritence

The purpose of the SSI program is to help those who have NO resources (beyond the $2000-$3000 limits). Hiding resources in order to qualify is fraudulent.

We are closing this thread for review.

Thank you to all that posted previously, but the thread had gone off track a bit, those have been removed.

bumping up the original for any other on topic replies for Point Blank.