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Life change guide

Living with a disability

Learn what benefits you may qualify for if you're living with a disability. Find SNAP, Medicaid, SSI, SSDI and more.

5 steps, in order5 programs that can helpFree to apply

Where to start

Living with a disability can bring extra costs and changes to your work life. Finding support can feel like a lot, especially when paperwork takes time and energy. You do not have to do it all at once.

Social Security runs two disability programs. SSDI is based on your past work. SSI is based on financial need. Some people qualify for both. Applications can take time, so it helps to start early and keep copies of your medical records.

Other programs may help with health and food costs. Medicaid covers people with disabilities, and its limits differ by state. If you have Medicare, a Medicare Savings Program may help with premiums. SNAP has special rules too. For example, a household with a member who has a disability only needs to meet the net income limit.

Do these first

  1. 1

    Step 1

    Apply for SSDI if you have worked

    If you worked and paid Social Security taxes, you may qualify for SSDI. Gather your medical records and work history before you apply.

    About SSDI
  2. 2

    Step 2

    See if you qualify for SSI

    If your income and resources are limited, SSI may pay you monthly cash. You do not need a work history to get SSI.

    About SSI
  3. 3

    Step 3

    Apply for Medicaid

    Medicaid covers people with disabilities, and income limits differ by group and by state. You can apply at any time of year.

    About Medicaid
  4. 4

    Step 4

    Apply for SNAP food help

    A household with a member who has a disability only needs to meet the net income limit. Some of that person's medical costs may also count as deductions.

    About SNAP
  5. 5

    Step 5

    Get help with Medicare costs

    If you have Medicare, a Medicare Savings Program may help pay your premiums. Apply through your state Medicaid office.

    About MSP

Programs that can help

SNAPState-run · USDA Food and Nutrition ServiceSNAP gives monthly benefits on an EBT card to help households with low income buy food.MedicaidState-run · Centers for Medicare & Medicaid ServicesMedicaid is free or low-cost health coverage run by each state with federal funding, for children, adults, pregnant people, older adults and people with disabilities.SSIFederal · Social Security AdministrationSSI pays monthly cash to people with limited income and resources who are older, blind or have a disability.MSPState-run · Centers for Medicare & Medicaid ServicesMedicare Savings Programs help people with Medicare who have limited income and resources pay Medicare costs such as premiums.SSDIFederal · Social Security AdministrationSSDI pays monthly benefits to people who cannot work because of a disability and who have worked and paid Social Security taxes.