Parent Focus: Four Ways Benefits Support Work

Your Child Can Save More

As your child makes more money, he or she can start saving for bigger goals, like college, a car, or someday buying a home. Building assets will be a key to comfort and security for your child’s entire life.

SSI and Medi-Cal Rules Help People who Work and Save

Supplemental Security Income (SSI) has a $2,000 resource limit. However, your child can save way more money than this if he or she gets a job.

SSI resource rules for people who work:

  • Not all resources are counted, so your child can own a car or get certain types of financial aid for school that won’t be counted against the resource limit.
  • ABLE accounts will let you and your child put money into a special account where the first $100,000 will not count against the SSI resource limit.
  • Savings in a Plan to Achieve Self-Support (PASS) or Individual Development Account (IDA) are not counted. These special types of accounts let your child save for specific expenses, like school tuition.
  • Assets in certain types of trusts do not count.

Medi-Cal resource rules for people who work:

  • There is no resource limit for Medi-Cal!
The bottom line

Saving money for the future is important. Talk to a benefits planner to figure out which asset-building strategies will let your child keep getting SSI.

Read more about asset-building strategies.

No more Medi-Cal/MSP resource limits

On January 1, 2024, Medi-Cal resource limits were completely removed. This applies to Medi-Cal through A&D FPL, the Working Disabled Program (WDP), and ABD–MN, as well as Medicare Savings Programs (MSPs). If you've been denied Medi-Cal or an MSP because you had too much in resources, try applying again.

Note: This doesn't change SSI-linked Medi-Cal or Medi-Cal through SSI 1619(b), as they still have SSI's $2,000 resource limit. And it doesn't change income-based Medi-Cal, which never had a resource limit.

Learn more