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Disabled Health Insurance

If you are living with a disability, you may find it very difficult to find health insurance for which you'll be qualified.

SSI and Social Security

Supplemental Security Income (SSI) and Social Security Disability Insurance may be an option for you. SSI pays you a monthly cash benefit, but is only available to individuals 65 years of age and older. These monthly benefits can also go towards disabled and blind children. Depending on which state you live in will determine how much money you will receive.

Basic SSI cash benefits are the same nationwide, but some states will add onto that amount. Make sure to check with your state to see how much you qualify for.

SSI Eligibility

Eligibility of SSI benefits is determined on a number of factors, such as income and resources. Depending on where you live will determine how much you are allowed to make and still receive SSI benefits. But not all of your income is counted by Social Security:

  • The first $20 you receive in a month

  • The first $65 you make in a month from working and half the amount over $65

  • Food stamps

  • Shelter you receive from private nonprofit organizations

  • Most home energy assistance

Plus, if you are a student, some of the wages or scholarships you get will not be counted.

Disabled and Working

If you are disabled and are still working, Social Security Disability Insurance (SSDI) will not count any wages you use to pay for items or services you need to work because of your disability. For instance, if you need to buy medical supplies or a wheelchair, the wages used to buy it won’t count as income.

With SSDI, you may also qualify for other state benefits such as Medicaid, food stamps and other social services.

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