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Benefits and Insurance for People with Disabilities

Find information about health care coverage including Medicare and Medicaid. Also, learn about workplace disability insurance, compensation benefits for disabled veterans and Social Security benefits for people with disabilities.


  • When do benefits begin?

  • Đang chơi bàiHow long do benefits last?

  • Đang chơi bàiHow much money will the policy pay?

Federal Disability Programs

Two Social Security Administration programs pay benefits to people with disabilities. Learn about Social Security Disability Insurance (SSDI) and Supplemental Security Insurance (SSI).

may be able to help.

Understand the SSDI and SSI Programs for People with Disabilities

  • Đang chơi bài is for people who have become disabled after earning enough Social Security work credits within a certain time. 

  • with little to no income and resources. SSI is not Social Security. Although the names sound similar and the Social Security Administration runs the program, it does not fund SSI. 

Definition of Disability

To qualify for either program, you must meet : 

  1. Đang chơi bàiYou can’t work

  2. Your disability is expected to last for at least one year or result in death

  3. Your impairment is on Social Security’s

Social Security uses a . Partial and short-term disabilities do not meet SSA’s standard. They're not eligible for benefits.

Benefit Eligibility Screening Tool

Đang chơi bàiUse the  to find out if you may qualify for SSDI or SSI.

How to Apply for Social Security Disability Insurance (SSDI)

Work Requirements

When you work and pay Social Security taxes, you earn Social Security “work credits.” You earn up to four a year depending on your income. To be eligible for SSDI,, some of them recently. The number of work credits you need depends on your age when you stopped working due to your disability.

Benefits for Family Members

Đang chơi bàiYour  when you start getting SSDI.

Applying for SSDI

You can .

  • If your , you can appeal the decision.

  • If it's approved, you’ll have a five-month waiting period for benefits to start. You’ll receive benefits for the sixth full month after the date SSA finds your disability began.

  • Đang chơi bàiYou’ll be enrolled in Medicare two years after you begin receiving SSDI payments.

Returning to Work

You can usually return to work without losing your SSDI if you earn less than a “substantial” amount. In 2019, the SSA considered average earnings of $1,220 or more per month "substantial."

You can try out your ability to return to work for at least nine months. You won't lose your SSDI benefits or Medicare coverage. See the booklet  to learn more.

How to Apply for Supplemental Security Income (SSI)

Đang chơi bài are for adults and children with a disability and little income or resources. Seniors 65 and older without a disability may be eligible if they meet the income limits. People who are eligible to receive SSDI may be eligible for SSI too.

In most states, . Many states also provide supplemental payments to certain SSI recipients.

Defining Disability for SSI

Adults under 65 must meet .

For a child, disability means:

  • Having a physical or mental impairment that causes marked and severe functional limitations

  • The disability is expected to last for at least one year or result in death

Applying for SSI

Adults can  by phone, in person at a local Social Security office, or in some cases online. To apply for SSI for a child, you can start the process online but will need to complete it either in person or by phone.

  • You can appeal if your claim is denied.

  • Explore a  to learn more detailed information.

Going to Work

Đang chơi bài help you go to work by reducing your risk of losing your SSI or Medicaid coverage. You can earn $65 a month without it affecting your cash benefit. Beyond that, your SSI payment will go down $1 for every $2 you earn.

Đang chơi bàiWhen your earnings plus any other income exceed your state’s SSI income limits, you won't receive SSI. Your payments will start again for any month your income drops to less than the SSI limits. You can learn more in the booklet .

Health Insurance and Health Resources for People with Disabilities

Find information about health insurance and resources for people with disabilities.

Health Coverage for People With Disabilities

Đang chơi bàiIf you have a disability, you have a three options for health coverage through the government. 

Health Resources for People With Disabilities

Federal, state, and local government agencies and programs can help with your health needs if you have a disability. 

  • Explore the of for articles, programs, tips for healthy living and more.

  • Đang chơi bàiLearn more about from the Social Security Administration.

  • Contact your local city or county governmentĐang chơi bài to find out what medical and health services are available locally for people with disabilities.

  • Your state social service agencyĐang chơi bài can help you locate medical and health programs. 

Visit’s Government Benefits Đang chơi bàipage to learn more about government programs and services that can help you and your family.

Đang chơi bài . It’s a tax-free monthly benefit.

Visit  to learn:

  • Which conditions qualify you for benefits

  • How the claims process works

  • Where to file your claim

  • Đang chơi bàiHow to  you disagree with. The process changed in February 2019.

may receive compensation benefits in certain situations.

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Đang chơi bàiLast Updated: March 6, 2020