If you have Multiple Sclerosis and live in Colorado, you may qualify for federal and state disability benefits. This guide explains eligibility, how to apply, and what programs are available to help with income, health care, and work support.
To qualify for federal disability benefits with Multiple Sclerosis, you must have a medical condition that prevents you from working and is expected to last at least one year or result in death. For Social Security Disability Insurance (SSDI), you need a work history and enough Social Security credits. For Supplemental Security Income (SSI), you must have limited income and resources. Both programs use the Social Security Administration’s (SSA) disability listings to determine eligibility[1][4][8].
In Colorado, adults with Multiple Sclerosis may qualify for state programs like Aid to the Needy Disabled-State Only (AND-SO) and the Health First Colorado Buy-In Program. AND-SO is for low-income residents aged 18–59 with a qualifying disability, who are actively pursuing SSI benefits. The Health First Colorado Buy-In allows working adults with disabilities to buy into Medicaid if their income is below 450% of the Federal Poverty Level. You must be a Colorado resident, have a qualifying disability, and meet income and asset limits[2][3][4].
Federal programs for Multiple Sclerosis in Colorado include Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). SSDI provides monthly benefits and Medicare coverage to those with a qualifying work history. SSI offers financial assistance to those with limited income and resources, regardless of work history. Both programs require a qualifying disability and meeting income and asset limits[1][4][8].
Colorado offers several state-specific programs for residents with Multiple Sclerosis. The Aid to the Needy Disabled-State Only (AND-SO) program provides interim cash assistance to low-income adults with disabilities who are pursuing SSI benefits. The Health First Colorado Buy-In Program allows working adults with disabilities to buy into Medicaid if their income is below 450% of the Federal Poverty Level. These programs help cover health care costs and provide financial support while you work or pursue federal benefits[2][3][4].
Colorado residents with Multiple Sclerosis may qualify for an ABLE account if their disability started before age 26. ABLE accounts allow you to save money without affecting your eligibility for means-tested benefits like SSI and Medicaid. You can use ABLE funds for qualified disability expenses, such as medical care, education, and housing[6].
For SSI, individuals can have up to $2,000 in countable resources, while couples can have up to $3,000. For SSDI, there is no asset limit, but your income must be below the substantial gainful activity (SGA) limit, which is $1,620 per month in 2025 ($2,700 if blind). For the Health First Colorado Buy-In, your income after disregards must be below 450% of the Federal Poverty Level[4][2].
If you receive disability benefits, you must report any changes in income, resources, or living situation to avoid overpayments. Overpayments can result in repayment demands or benefit reductions. Always report changes promptly to the Social Security Administration or your state agency[4].
Contact a certified benefits counselor or your local Division of Vocational Rehabilitation office for personalized help with your application.
SSDI is for people with a qualifying work history and enough Social Security credits. SSI is for those with limited income and resources, regardless of work history. Both programs require a qualifying disability[1][4].
Yes, you can work while receiving disability benefits, but your income must be below the SGA limit. Colorado also offers work incentives and programs like the Health First Colorado Buy-In for working adults with disabilities[2][7].
Gather medical records and proof of income, complete the application for SSDI, SSI, or state programs, and submit it online, by phone, or in person. Follow up on your application status and provide any additional documents as requested[1][2][3].
You need medical records from a licensed physician that document your diagnosis, symptoms, and how Multiple Sclerosis affects your ability to work. This may include MRI results, treatment records, and a written disability-related diagnosis[6][8].
Yes, Colorado offers the Aid to the Needy Disabled-State Only (AND-SO) program and the Health First Colorado Buy-In Program for working adults with disabilities. These programs provide interim financial assistance and health care coverage[2][3].
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, if you have Multiple Sclerosis and meet income and disability requirements, you may qualify for Medicaid through the Health First Colorado Buy-In Program or other state programs[2][5].
An ABLE account is a savings account for people with disabilities that does not affect eligibility for means-tested benefits. You can get one if your disability started before age 26 and you meet other requirements[6].
The processing time for a disability application can vary, but it typically takes several months. You can check your application status online or by calling the Social Security Administration[1][7].
If your application is denied, you can appeal the decision. Follow the instructions provided with your denial notice and submit any additional evidence or documentation[1][7].
Yes, you must report any changes in income, resources, or living situation to avoid overpayments. Overpayments can result in repayment demands or benefit reductions[4].
