If you have Multiple Sclerosis in Arizona, you may qualify for federal disability benefits like SSDI and SSI, plus state health coverage and work incentives. This guide explains eligibility, how to apply, and what benefits are available in 2025.
To qualify for Social Security Disability Insurance (SSDI), you must have worked in jobs covered by Social Security, have a disability that prevents you from working for at least 12 months, and meet the 20/40 work credit rule. For Supplemental Security Income (SSI), you must have limited income and resources, and meet the SSA’s definition of disability. Multiple Sclerosis is listed in the SSA’s Blue Book under neurological disorders, so if your symptoms match the listing, you may qualify. If not, you may still qualify if your condition prevents you from doing any substantial work. The SSA reviews your medical records and work history to decide eligibility [1].
In Arizona, you may qualify for AHCCCS (Medicaid) if you are blind or have a disability, including Multiple Sclerosis. To be eligible, you must be an Arizona resident, a U.S. citizen or qualified immigrant, have a Social Security number, and meet the income limit. For 2025, the gross monthly income limit for a single applicant is $1,305. If you receive SSDI or SSI, or are determined disabled by the Disability Determination Services Administration (DDSA), you may qualify for AHCCCS. There are no monthly premiums for those who qualify. If your income is higher, you may still be eligible for other categories [2].
ABLE accounts let people with disabilities save money without losing SSI or Medicaid benefits. You can use the funds for qualified disability expenses like education, housing, and transportation. Arizona offers ABLE accounts through the AZ ABLE program. Contributions are limited, and there are annual reporting requirements [6].
| Program | 2025 Income Limit (Single) | |---|---| | SSI | $943/month | | SSDI SGA | $1,620/month | | AHCCCS | $1,305/month |
These limits may change if you have a spouse or dependents. Work expenses may be subtracted from your income for Medicaid eligibility [2][4].
If your income or condition changes, you must report it to the SSA and AHCCCS. Failing to report changes can lead to overpayments and penalties. Keep records of all communications and payments. If you receive an overpayment notice, contact the agency to discuss repayment options [3].
Contact a Work Incentive Consultant for free help with benefits and work planning. Call 1-866-304-WORK (9675) or visit Arizona Disability Benefits 101.
Yes, if your Multiple Sclerosis prevents you from working for at least 12 months and you meet the SSA’s work credit requirements. You must apply and provide medical evidence of your condition [4].
For 2025, the gross monthly income limit for a single applicant is $1,305. If you have a spouse or dependents, the limit is higher. Work expenses may be subtracted from your income [2].
Yes, there are work incentives that let you keep benefits while working. For SSDI, you can earn up to $1,620/month in 2025 before benefits stop. For SSI, you may earn more and still keep some benefits [4].
You can apply online at SSA.gov, by phone, or in person at a local Social Security office. You’ll need medical records, work history, and proof of income. For AHCCCS, apply online or through the AHCCCS website [2][4].
You may qualify for AHCCCS (Medicaid) if you have a disability. AHCCCS covers doctor visits, hospital care, prescriptions, and more. There are no monthly premiums for those who qualify [2].
An ABLE account lets you save money without losing SSI or Medicaid benefits. You can use the funds for qualified disability expenses. Arizona offers ABLE accounts through the AZ ABLE program [6].
This guide is for informational purposes only and is not legal or financial advice. Always consult with a qualified professional for personalized guidance.
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Yes, you must report any changes in your income or condition to the SSA and AHCCCS. Failing to report changes can lead to overpayments and penalties [3].
Yes, Work Incentive Consultants can help you understand how work affects your benefits. They offer free counseling and can help you make a sustainable financial plan [3][5].
For 2025, the Substantial Gainful Activity (SGA) limit is $1,620/month for non-blind individuals and $2,700/month for blind individuals. Earning above this limit may affect your SSDI benefits [4].
Yes, if your parent is deceased or receiving retirement or disability benefits, you may qualify for Disabled Adult Child benefits. You must be unmarried and have a qualifying disability that started before age 22 [4].
