People with Myalgic Encephalomyelitis in Hawaii can access both federal and state disability benefits. The state’s Temporary Disability Insurance (TDI) program offers partial wage replacement for non-work-related illnesses, while federal programs like SSI and SSDI provide broader support. This guide explains eligibility, how to apply, and key resources.
To qualify for federal disability benefits like SSI or SSDI, you must have a medical condition that prevents you from working and is expected to last at least 12 months or result in death. SSI is for those with limited income and resources, while SSDI is for those who have worked and paid Social Security taxes. Both programs require medical evidence and a formal application. Approval depends on your medical records, work history, and financial situation. You can apply online, by phone, or in person at a Social Security office.
For SSI, you must be a U.S. citizen or eligible noncitizen, and your income and assets must be below certain limits. SSDI does not have asset limits but requires a sufficient work history. Both programs may offer Medicaid or Medicare as part of the benefits package.
Learn more about SSI vs SSDI and SSI & SSDI Work Incentives.
In Hawaii, the Temporary Disability Insurance (TDI) program provides partial wage replacement for up to 26 weeks if you are unable to work due to a non-work-related illness or injury, such as Myalgic Encephalomyelitis. To be eligible, you must have worked at least 14 weeks in Hawaii, with at least 20 hours paid each week. The benefit is 58% of your average weekly wage, up to $837 per week in 2025. There is no job protection under TDI, but other laws like FMLA may apply.
You must file a claim within 90 days of your disability to avoid losing benefits. If your employer does not have a TDI plan, you can contact the state for assistance. The state does not administer benefits directly; employers must provide coverage through private plans or self-insurance.
Learn more about Hawaii TDI eligibility and state disability benefits.
Learn more about avoiding overpayments and reporting changes.
Federal programs for Myalgic Encephalomyelitis in Hawaii include Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). SSDI provides monthly payments to those who have worked and paid Social Security taxes. SSI offers support to those with limited income and resources. Both programs may also provide access to Medicaid or Medicare. You can apply online at ssa.gov or visit a local Social Security office. Approval depends on your medical condition, work history, and financial situation.
Learn more about SSI vs SSDI and SSI & SSDI Work Incentives.
Hawaii’s Temporary Disability Insurance (TDI) program offers partial wage replacement for up to 26 weeks if you are unable to work due to a non-work-related illness like Myalgic Encephalomyelitis. The benefit is 58% of your average weekly wage, up to $837 per week in 2025. Employers must provide coverage through private plans or self-insurance. There is no job protection under TDI, but other laws like FMLA may apply. You must file a claim within 90 days of your disability to avoid losing benefits.
If your employer does not have a TDI plan, you can contact the state for assistance. The state does not administer benefits directly. The Disability Compensation Division oversees compliance and support for the program.
ABLE accounts allow people with disabilities to save money without losing eligibility for SSI or Medicaid. In Hawaii, you can open an ABLE account to pay for qualified disability expenses like medical care, education, and housing. Contributions are limited, and there are tax benefits. ABLE accounts do not affect your eligibility for most public benefits.
Learn more about ABLE Accounts.
For SSI, the income limit in 2025 is $943 per month for an individual and $1,415 for a couple. SSDI does not have asset limits but requires a sufficient work history. For Hawaii TDI, there is no income limit, but the maximum weekly benefit is $837. Medicaid eligibility depends on your income and assets, with higher limits for those with disabilities.
Learn more about SSI Income Estimator.
If you receive more benefits than you are entitled to, you must report it and may have to repay the overpayment. Report changes in your income, employment, or medical condition to avoid overpayments. Keep records of all payments and correspondence. If you receive an overpayment notice, contact the agency to discuss repayment options.
Learn more about avoiding overpayments and reporting changes.
To avoid losing benefits, file your Hawaii TDI claim within 90 days of your disability. Late claims may result in partial or complete loss of benefits.
Save copies of all medical records, employment documents, and correspondence with agencies. This will help if you need to appeal a decision or report changes.
Hawaii’s TDI program provides partial wage replacement for up to 26 weeks if you are unable to work due to a non-work-related illness or injury. The benefit is 58% of your average weekly wage, up to $837 per week in 2025. Employers must provide coverage through private plans or self-insurance.
To qualify for Hawaii TDI, you must have worked at least 14 weeks in Hawaii, with at least 20 hours paid each week. You must file a claim within 90 days of your disability. Your employer must provide TDI coverage through a private plan or self-insurance.
Yes, you can receive both Hawaii TDI and federal SSI or SSDI benefits. TDI provides partial wage replacement for up to 26 weeks, while SSI/SSDI offer monthly payments and healthcare. You must apply separately for each program.
You need a diagnosis and documentation from your healthcare provider that details your Myalgic Encephalomyelitis and how it affects your ability to work. This should include medical records, test results, and a statement from your doctor.
The time to get a decision varies. Hawaii TDI claims are usually processed within a few weeks. Federal SSI/SSDI claims can take several months. You can check the status of your application online or by phone.
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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If your claim is denied, you have 20 days to appeal in writing with supporting evidence. You can appeal to the state or federal agency that denied your claim. It is important to act quickly and provide all required documentation.
You may be able to work part-time while receiving disability benefits, but there are limits on how much you can earn. Report any changes in your income to avoid overpayments. SSI/SSDI have specific rules about work incentives.
An ABLE account allows you to save money for disability-related expenses without losing eligibility for SSI or Medicaid. You can use the funds for medical care, education, housing, and more. There are contribution limits and tax benefits.
Report changes in your condition or income to the agency that provides your benefits. You can do this online, by phone, or in person. Keep records of all correspondence and decisions to avoid overpayments.
You can get help from your employer, a disability advocate, or a local agency. The Social Security office and the Hawaii Disability Compensation Division can also provide guidance and support.
