A Plan to Achieve Self-Support (PASS) lets you set aside income and resources to reach a work goal without affecting your SSI eligibility.

What can PASS funds be used for?

PASS funds can pay for education, vocational training, starting a business, tools and equipment, transportation, or other work-related expenses.

Who can have a PASS plan?

You need to be eligible for SSI based on disability and have income or resources that would reduce or eliminate your SSI payment.

Plan to Achieve Self-Support (PASS) Calculator

Estimate how much you can set aside under a PASS plan to reach your work goal while protecting your SSI benefits.

What is a PASS?

A Plan to Achieve Self-Support (PASS) lets you set aside money for a specific work goal. Income or resources set aside under an approved PASS don't count against your SSI, helping you save for education, training, starting a business, or work-related expenses.

Describe your work goal

Current monthly SSI benefit

2026 maximum federal SSI: $994/month

Monthly earned income (if working)

Monthly expenses for your work goal

Include training, education, equipment, supplies, transportation, etc.

PASS timeframe (months)

PASS plans can last up to 48 months (may be extended in some cases)

Ready to create a PASS?

Contact your local Social Security office or call 1-800-772-1213
Ask to speak with a PASS Cadre specialist
Work with a benefits counselor to develop your plan
Complete SSA Form SSA-545 (Plan to Achieve Self-Support)
Submit your plan and wait for approval

Related Resources

Work Incentives Guide — Learn about PASS and other work incentive programs
SSI Benefit Estimator — See how PASS affects your SSI payment
SGA Calculator — Check earnings limits as you work toward your goal
SSI Asset Limits Guide — Understand how PASS protects resources from the $2,000 limit