Not affiliated with the US Social Security Administration

Liquid and Non-liquid Resources

Excerpted from "Social Security Handbook". See the up-to-date, official Social Security Handbook at

2150. Liquid and Non-liquid Resources

2150.1 How are resources categorized?

Resources generally are categorized as either "liquid" or "non-liquid." The difference between the two types of resources is important when determining whether:

  1. A resource can be excluded as non-business property essential to self-support (see §2158); or

  2. You qualify for conditional payments (see §2164).

2150.2 What are "liquid" resources?

Liquid resources are those resources that are:

  1. In the form of cash; or

  2. Convertible to cash within 20 working days.

The most common types of liquid resources are savings and checking accounts, stocks, bonds, mutual funds, promissory notes, certain trusts, and certain types of life insurance.

2150.3 What are "non-liquid" resources?

Non-liquid resources are all resources that cannot be converted to cash within 20 working days. They include both real and personal property. Examples are automobiles, machinery, livestock, buildings and land.

Last Revised: Aug. 4, 2006

Sponsored Links

Recent Content

Before Freezing Credit, Consider Opening Social Security Online Account

A report states that, in order to establish an online Social Security account at, the Social Security Administration must have access to your credit report to verify your identification.

Thus, before freezing your credit (to mitigate the risk of recent hacks), consider setting up an account at first.

National Social Security Advisor Certification Available

If you're looking for advice on Social Security benefits, it may be useful to find someone with the "National Social Security Advisor" certification.

Although the NSSA appears to be a privately issued certificate, it seems to convey some level of knowledge about Social Security benefits. Finding a financial advisor with NSSA certification may be something worth exploring.

Sponsored Links

Sponsored Links

Not affiliated with the US Social Security Administration