Illinois offers federal and state disability benefits, including SSI, SSDI, and Medicaid programs, for people with heart disease. You may qualify for cash assistance, healthcare coverage, and work incentives. This guide explains eligibility, how to apply, and key programs for Illinois residents with heart disease.
Federal disability programs require you to have a medical condition—such as heart disease—that severely limits your ability to work for at least 12 months or is expected to result in death[7]. For Social Security Disability Insurance (SSDI), you must have worked and earned enough credits through Social Security-covered employment[7]. Supplemental Security Income (SSI) is based on disability and limited income and resources—for 2025, the maximum federal SSI benefit is $967 per month for an individual and $1,450 for a couple[5]. If you are working, earnings above the Substantial Gainful Activity (SGA) limit—about $1,470 per month for non-blind individuals in 2025—can affect your eligibility[3].
Illinois uses Social Security’s disability rules for most programs, but also offers state-administered Medicaid and work incentives. You may qualify for Health Benefits for Workers with Disabilities (HBWD) if you work, are ages 16–64, and have income up to $4,393 per month (single) or $5,962 (couple)[1]. Unlike standard Medicaid, HBWD allows up to $25,000 in assets[1]. For Illinois benefit access programs, you must be at least 16, have a disability determination from Social Security, Veterans Affairs, Civil Service, or Railroad Retirement, or a Class 2 Illinois disability card[2]. Heart disease can qualify if it meets Social Security’s criteria for disability[7].
Start by gathering medical records and proof of income. For SSI/SSDI, apply online at ssa.gov, by phone, or at a Social Security office[7]. For Illinois Medicaid, apply online via ABE.illinois.gov, by phone, mail, or in person. If you’re working with a disability, check eligibility for HBWD and download the application from the Illinois HFS website[1]. Keep all documents organized and respond promptly to requests.
Step 1: Confirm your diagnosis and gather all medical records related to your heart disease, including doctor notes, test results, and treatment history. Step 2: Collect proof of income, assets, and work history (for SSDI). Step 3: For SSI/SSDI, create an account at ssa.gov and complete the online application, call 1-800-772-1213, or visit a local Social Security office[7]. Step 4: For Illinois Medicaid, create an account at ABE.illinois.gov, fill out the application, and submit required documents. If you’re employed with a disability, apply separately for HBWD through the Illinois HFS website or by requesting a paper application[1]. Step 5: Track your application status online or by phone. Respond quickly to any requests for more information. Step 6: If denied, you can appeal—ask for help from a legal aid organization or disability advocate.
SSI provides monthly cash benefits to disabled adults and children with limited income and resources[5][4]. SSDI offers benefits if you have a sufficient work history and meet disability criteria[7]. Medicare provides health coverage after a 24-month waiting period for SSDI recipients. ABLE accounts help you save for disability-related expenses without affecting SSI eligibility.
Illinois Medicaid covers low-income individuals with disabilities, including those with heart disease, and can be accessed through the state’s ABE portal. Health Benefits for Workers with Disabilities (HBWD) is a special Medicaid program for employed people with disabilities, ages 16–64, with higher income limits and asset allowances[1]. AABD Medicaid also serves aged, blind, and disabled Illinoisans, including those with chronic illnesses[6]. Illinois also participates in federal programs like SNAP, TANF, and housing assistance for eligible individuals with disabilities[6][8]. For a full list, see the Illinois DB101 resource[6].
ABLE accounts let Illinois residents with disabilities save up to $100,000 without affecting SSI eligibility. Funds can be used for disability-related expenses. Earnings grow tax-free. Learn more in our ABLE Accounts guide and compare Illinois options with national plans.
For SSI in 2025, countable income must not exceed $1,670 per month for an individual living independently (limits vary for couples, children, and those in medical facilities)[5][4]. Illinois HBWD allows up to $4,393/month (single) or $5,962/month (couple) for working individuals with disabilities and $25,000 in assets[1]. Income and resource rules are complex—use the SSI Income Estimator for personalized help.
Always report changes in income, work, or living situation to Social Security and Illinois agencies to avoid overpayments, which you may have to pay back. If you get too much in benefits by mistake, contact the agency immediately to set up a repayment plan. See our Avoiding Overpayments & Reporting Changes guide for detailed steps.
If your heart disease is severe, lasts at least 12 months, or is expected to be fatal, you may qualify for federal and Illinois disability programs. Gather detailed medical records and ask your doctor to explain how your condition limits your ability to work.
Illinois HBWD lets you work, earn more income, and still get Medicaid. You can have up to $25,000 in assets and income up to $4,393/month (single) or $5,962/month (couple)[1]. This is higher than standard Medicaid limits.
Yes, programs like HBWD and federal work incentives allow you to work and keep some benefits, as long as your income stays under program limits[1]. Report earnings to avoid overpayments.
You must provide medical records showing your heart disease severely limits your ability to work for at least 12 months or is expected to be fatal. Social Security or Illinois will review your case[7][2].
In 2025, the maximum federal SSI benefit is $967/month for an individual, with strict income and resource limits. Actual eligibility depends on living situation and other income[5].
Apply online at ABE.illinois.gov, by phone, mail, or in person. If you work, also check HBWD eligibility[1].
Yes, ABLE accounts let you save for disability expenses without affecting SSI. Limits apply—see our ABLE Accounts guide for details.
You have the right to appeal. Consider getting help from a legal aid organization or disability advocate.
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, there is a 5-month waiting period and a 24-month wait for Medicare after SSDI approval[7].
Yes, HBWD supports workers with disabilities by offering Medicaid with higher income and asset limits[1].
You may qualify for SNAP, housing assistance, and other state and federal programs. For a full list, see the Illinois DB101 resource[6].
Some state programs require renewal every 2 years. Always respond to renewal notices to avoid losing benefits[2].
