If you have heart disease in Hawaii, you may qualify for several benefits, including Temporary Disability Insurance (TDI), Social Security (SSI/SSDI), Medicaid, and ABLE accounts. This guide explains eligibility, how to apply, and where to get help.
If you have heart disease that prevents you from working, you may qualify for federal disability benefits. The Social Security Administration (SSA) offers two main programs: Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI). SSI is for people with limited income and resources, while SSDI is for those who have worked and paid Social Security taxes. Both programs require medical proof that your heart disease is severe enough to stop you from working for at least 12 months or is expected to result in death. You must also meet citizenship or residency requirements.
For more details, see the SSA’s Blue Book listing for heart disease (Section 4.00–4.12) and the SSI vs SSDI guide.
In Hawaii, people with heart disease may qualify for Temporary Disability Insurance (TDI) if they cannot work due to their condition. To be eligible for TDI, you must have worked at least 14 weeks in Hawaii, with at least 20 hours paid per week during each of those weeks. TDI covers non-work-related disabilities, including heart disease, and provides up to 26 weeks of partial wage replacement. The maximum weekly benefit in 2025 is $837, which is 58% of your average weekly wage. Employers must provide TDI coverage through a private plan, not a state-run program.
You may also qualify for Medicaid if your income is low, or for an ABLE account to save for disability-related expenses. Hawaii does not have a state-run TDI program, so check with your employer or a private insurer for coverage details.
Learn more about Medicaid Waivers (HCBS) Learn more about ABLE Accounts
Learn more about Medicaid vs Medicare Learn more about SSI & SSDI Work Incentives
Learn more about Medicaid Waivers (HCBS) Learn more about ABLE Accounts
ABLE accounts let people with disabilities save money for disability-related expenses without losing SSI or Medicaid benefits. In Hawaii, you can open an ABLE account through the state’s ABLE program. The account can be used for things like medical care, housing, education, and transportation. There are annual and lifetime contribution limits, but the funds grow tax-free and do not count as income for SSI or Medicaid.
Learn more about ABLE Accounts
For SSI in 2025, the federal income limit is $943 per month for an individual and $1,415 for a couple. Hawaii may have higher limits due to state supplements. For Medicaid, income limits vary by household size and program. For TDI, benefits are based on your average weekly wage, up to $837 per week in 2025. ABLE accounts have annual contribution limits of $18,000 and lifetime limits of $550,000 in Hawaii.
Learn more about SSI Income Estimator
If you receive more benefits than you are entitled to, you may have to repay the overpayment. Report any changes in your income, employment, or medical condition to the SSA, Medicaid, or your TDI insurer as soon as possible. Failure to report changes can result in penalties or loss of benefits. Keep records of all payments and correspondence.
Learn more about Avoiding Overpayments & Reporting Changes Learn more about SSI & SSDI Work Incentives
Contact your local Social Security office, Hawaii Department of Human Services, or Disability Compensation Division for help with applications and appeals.
Hawaii TDI provides partial wage replacement for up to 26 weeks if you cannot work due to a non-work-related disability like heart disease. The maximum weekly benefit in 2025 is $837. Employers must provide coverage through a private plan.
Yes, if your heart disease prevents you from working for at least 12 months or is expected to result in death, you may qualify for SSI or SSDI. You must meet medical and financial requirements.
Contact your employer or HR department to learn about TDI coverage. File a claim within 90 days of your disability, using Form TDI-46 if required. Submit medical and employment documents.
The maximum weekly TDI benefit in Hawaii for 2025 is $837, which is 58% of your average weekly wage. This amount is set by the state and may change each year.
No, Hawaii does not have a state-run TDI program. Employers must provide coverage through a private plan. The state only sets the rules and maximum benefit amounts.
Yes, if your income is low, you may qualify for Medicaid in Hawaii. Medicaid covers medical costs for people with disabilities, including heart disease.
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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An ABLE account lets you save for disability-related expenses without losing SSI or Medicaid benefits. Funds can be used for medical care, housing, education, and more.
Yes, you must report any changes in your income, employment, or medical condition to the SSA, Medicaid, or your TDI insurer. Failure to report changes can result in penalties or loss of benefits.
You can receive TDI benefits for up to 26 weeks for a non-work-related disability like heart disease. The benefit amount is based on your average weekly wage, up to $837 per week in 2025.
If your TDI claim is denied, you can appeal within 20 days of the denial notice. Submit your appeal with evidence such as pay slips or check stubs to the Disability Compensation Division in Honolulu.
