Does an inheritance affect Social Security Disability?

The answer turns on which benefit is involved.

SSDI is based on a work record, not on need. An inheritance, a gift, or savings do not affect SSDI. (Money earned from working can, but that is a different rule.)

SSI is needs-based, with strict limits on income and on countable resources. An inheritance counts as income in the month it is received and as a resource after that, so it can lower or end an SSI payment.

There are lawful ways to handle an inheritance without losing SSI — spending it down on exempt items, an ABLE account, or a special-needs trust. Those choices have deadlines and details, and are worth advice on before the money arrives where possible.