Amputation Benefits in Hawaii

Federal benefits like Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI) require your medical condition (such as amputation) to meet Social Security’s strict disability definition—severe, long-term, and preventing substantial work. SSDI requires enough work credits, while SSI is based on financial need. Both require up-to-date medical records and, often, supportive statements from your doctors.

Hawaii’s Temporary Disability Insurance (TDI) is available to most employees with at least 14 weeks of employment (20+ hours/week) in Hawaii[5]. Benefits are not state-administered; instead, employers must provide coverage, either through a private plan or by contributing to a state fund (for very small employers). For Medicaid, Hawaii uses federal income limits but may have additional programs or waivers for those with disabilities, like Home and Community Based Services (HCBS).

• Gather your medical records—include diagnosis, treatment history, and doctor’s statements about your amputation and how it affects daily life.
• Check work history—see if you qualify for SSDI (work credits) or SSI (low income/resources).
• Apply online for SSI/SSDI at ssa.gov.
• Contact your employer to learn about TDI and request claim forms.
• Ask your doctor about completing forms for SSI, SSDI, or TDI.
• Reach out to Hawaii’s Department of Human Services for Medicaid and waiver questions.

• For SSI/SSDI:
  1. Start your application online at ssa.gov, by phone, or in person at a Social Security office.
  2. Submit supporting documents—medical records, identification, proof of income/resources.
  3. Track your application—respond promptly to any requests for more information.
  4. Appeal if denied—many first applications are denied; don’t give up.
• For Medicaid:
  1. Check if you qualify based on income, family size, and disability status.
  2. Apply online through Hawaii’s Medicaid portal (med-quest.us), by phone, or at a local office.
  3. Ask about Medicaid waivers—special programs may help you receive services at home instead of in a facility.
• For TDI:
  1. Contact your employer—request TDI claim forms and instructions.
  2. File the claim within 90 days of your disability start date to avoid losing benefits[5].
  3. Submit medical documentation from your doctor.
  4. Appeal if denied—send a written appeal within 20 days of a denial notice[5].
• For ALL programs:
  1. Keep copies of all forms and correspondence.
  2. if you do not hear back within a reasonable time.

In addition to SSI and SSDI, people with amputation in Hawaii may be eligible for Medicare (if over 65 or after 24 months of SSDI) and Medicaid (if income and disability requirements are met). SSDI provides monthly income based on your work history; SSI provides a basic income for those with limited resources and may come with automatic Medicaid eligibility.

Hawaii offers Temporary Disability Insurance (TDI), covering up to 26 weeks of partial wage replacement at 58% of average weekly pay (max $837/week in 2025) for non-work-related disabilities[1][4][6]. TDI is not state-administered—employers must provide coverage. Medicaid is available for low-income residents, and HCBS Waivers (Home and Community-Based Services) may help you receive care at home. For people with amputation, these waivers can fund services like personal care, therapy, and assistive technology. Hawaii does not operate a state-run disability program besides TDI. If your employer does not have a TDI policy, you may contact the Disability Compensation Division for assistance[5].

ABLE accounts allow you to save up to $100,000 without losing eligibility for SSI and Medicaid. Funds can be used for disability-related expenses, including assistive technology, housing, transportation, and healthcare. These accounts are managed at the state level; you can open one even if you receive other benefits.

SSI has strict income and resource limits—individuals can have up to $2,000 in countable resources, and couples up to $3,000 (as of 2025, check ssa.gov for updates). Medicaid in Hawaii uses federal poverty level (FPL) guidelines, but people with disabilities may qualify under higher income limits or special programs. TDI income replacement is up to 58% of your average weekly wage, capped at $837/week (2025)[1][4][6].

If you receive SSI, SSDI, or Medicaid, you must report changes in income, living situation, or medical condition promptly to avoid overpayments. Overpayments may require repayment and can affect your benefits. For TDI, make sure your employer and insurance carrier have your current contact information and promptly update them about any changes in your health status or work ability.

• Hawaii Disability Compensation Division (TDI complaints, info)
  Phone: (808) 586-9161

  Website

  Contact for TDI problems or employer non-compliance.
• Social Security Administration (SSI/SSDI)
  Phone: 1-800-772-1213

  TTY: 1-800-325-0778

  Hours: Mon–Fri, 8am–7pm

  Website

  For help with SSI or SSDI applications and questions.
• Hawaii Department of Human Services (Medicaid, Waivers)
  Phone: (808) 587-3521

  Website

  For help with Medicaid, Waivers, and health coverage.

• How much does Hawaii TDI pay for someone with amputation?

  Hawaii TDI pays 58% of your average weekly wage, up to a maximum of $837 per week in 2025, for up to 26 weeks for non-work-related injuries like amputation[1][4][6]. You must file a claim with your employer or their insurance provider.

• Do I get job protection while on TDI in Hawaii?

  TDI provides income replacement, not job protection. However, federal (FMLA) and state leave laws (Hawaii Family Leave Law) may protect your job if you are eligible; check with your employer and review your rights under these laws[4].

• Can I receive both SSDI and Hawaii TDI at the same time?

  Yes, you may receive both SSDI and TDI, but SSDI may reduce your monthly payment to account for other benefits. Always report all sources of income to both Social Security and your TDI provider to avoid overpayments.

• What is a Medicaid waiver in Hawaii, and how does it help people with amputation?

  Medicaid waivers, like the Home and Community-Based Services (HCBS) waiver, allow people with disabilities to receive services at home instead of in an institution. These services can include personal care, therapy, and durable medical equipment, which are critical for those with amputation.

• How do I apply for SSI or SSDI in Hawaii?

  Apply online at ssa.gov, by phone, or at a local Social Security office. You will need medical records, proof of income/resources, and identification. The process can take several months, so start as soon as possible.

• What are the ABLE account rules for Hawaii residents?