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What does not count as a resource?

 Social Security does not count:
  • Your primary residence;
  • Your personal possessions;
  • Your vehicle(s);
  • Resources you could not easily convert to cash, such as jewelry or home furnishings;
  • Property you need for self-support, such as rental property or land you use to grow produce for home consumption;
  • Non-business property essential to your self-support;
  • Life insurance policies;
  • Burial expenses including burial plots and up to $1,500 per person for burial expenses;
  • Interest earned on money you plan to use for burial expenses; and
  • Certain other money you are holding is not counted for nine months, such as:
    • Retroactive Social Security or Supplemental —Security Income (SSI) payments;
    • Housing assistance;
    • Tax advances and refunds related to earned income tax credits and child tax credits;
    • Economic recovery payments;
    • Compensation you receive as a crime victim; and
    • Relocation assistance from a state or local government.
You should contact Social Security for other resource exclusions.

Also see:

(Source: Social Security Administration: Understanding The Extra Help With Your Medicare Prescription Drug Plan publication 10508, SSA Publication No. 05-10115, January 2011. Additional examples and links from Q1Group LLC)




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  • Medicare beneficiaries with higher incomes may be required to pay both a Medicare Part B and Medicare Part D Income Related Monthly Adjustment Amount (IRMAA). Read more on IRMAA.
  • Medicare Advantage plans that include prescription drug coverage (MAPDs) are considered Medicare Part D plans and members with higher incomes may be subject to the Medicare Part D Income Related Monthly Adjustment Amount (IRMAA), just as members in stand-alone Part D plans. In certain situations, you can appeal IRMAA.
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  • If you are enrolled in a Medicare plan with Part D prescription drug coverage, you may be eligible for financial Extra Help to assist with the payment of your prescription drug premiums and drug purchases. To see if you qualify for Extra Help, call: 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048, 24 hours a day/ 7 days a week or consult www.medicare.gov; the Social Security Office at 1-800-772-1213 between 7 a.m. and 7 p.m., Monday through Friday. TTY users should call, 1-800-325-0778; or your state Medicaid Office.
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  • There are additional restrictions to join an MSA plan, and enrollment is generally for a full calendar year unless you meet certain exceptions. Those who disenroll during the calendar year will owe a portion of the account deposit back to the plan. Contact the plan provider for additional information.
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