SSI is a Federal Federal welfare program for people not capable of holding a job in the economy due to disability, who lack a sufficient work history to qualify under the Social Security Disability program. If you qualified for SSD you could be a millionaire and still get benefits. BUT as an SSI person, if you have assets the law demands that theyy should be used up first before taxpayers pay money to someone who does not need it. In many circumsatnces you can use the money you inherited to buy things that won't be counted as assets long term or fall under the thresholds (such as a very cheap used car) and then when your impovershed status resumes, go back on SSI.