I have an adult daughter who receives RSDI based on my wife's Social Security. She has a developmental disability that has prevented her from working since birth. My wife and I are both retired, and I am her Representative Payee. Some months she does not spend all of her monthly benefit. Her only asset is the RSDI. Is there a limit on the accumulated cash she can have in her checking account from the unspent RSDI?

Hi. No. The only way that your daughter's resources would be limited is if she was receiving Supplemental Security Income (SSI). Social Security benefits are not needs based, so there is no limit on the amount that a person who receives Social Security can have in their bank account.

Best, Jerry