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Illinois • Chronic Illness
People in Illinois with Myalgic Encephalomyelitis may qualify for federal and state disability benefits, including SSI, SSDI, Medicaid, and work incentives. This guide explains eligibility, how to apply, and key programs.
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. For SSDI, you need enough work credits (usually 40, with 20 in the last 10 years). For SSI, you must have limited income and resources. In 2025, the SSI payment limit is $967 per month for an individual and $1,450 for a couple. The Substantial Gainful Activity (SGA) limit for non-blind individuals is $1,620 per month in 2025. If you earn more than this, you may not qualify for SSDI or SSI. Your condition must cause marked and severe functional limitations. [^1][^2][^3]
In Illinois, people with Myalgic Encephalomyelitis may qualify for Medicaid, including the Health Benefits for Workers with Disabilities (HBWD) program. HBWD is for workers aged 16-64 with disabilities. For a single person, countable income must be up to $4,393 per month; for a couple, up to $5,962 per month. HBWD allows up to $25,000 in assets. Premiums are based on income. You may also qualify for Medicaid waivers, which provide home and community-based services. Income and asset limits vary by program. [^4][^5][^6]
An ABLE account lets people with disabilities save money without losing SSI or Medicaid benefits. You can use the funds for qualified disability expenses like education, housing, and transportation. In Illinois, you can open an ABLE account through the state program. [^7]
If your income, work status, or living situation changes, you must report it to SSA and DHS. Failing to report changes can lead to overpayments, which you may have to repay. Report changes online, by phone, or in person. Keep records of all reports and correspondence.
Contact your local Illinois Department of Human Services office or The Arc of Illinois for free help with applications and advocacy.
Yes, if your Myalgic Encephalomyelitis prevents you from working and meets SSA's medical criteria, you may qualify for SSI or SSDI. You must also meet income and resource limits for SSI.
The SSI payment limit in 2025 is $967 per month for an individual and $1,450 per month for a couple. Your actual payment may be lower based on your income and resources.
Yes, you can work and keep some benefits. Programs like HBWD and work incentives help you keep Medicaid and SSI/SSDI while working. Report any changes in income to avoid overpayments.
HBWD is a Medicaid program for workers aged 16-64 with disabilities in Illinois. It allows up to $25,000 in assets and has income limits. Premiums are based on income.
You can apply for Medicaid online through the Illinois Department of Human Services website, by phone, or in person at a local DHS office. You'll need to provide proof of income, disability, and residency.
Medicaid waivers provide home and community-based services for people with disabilities, such as personal care, respite, and assistive technology. You must meet eligibility requirements to get a waiver.
Disclaimer: This guide is for informational purposes only and does not constitute legal or financial advice. Always consult official sources or a qualified professional for your specific situation.
Yes, an ABLE account lets you save money for disability-related expenses without losing SSI or Medicaid benefits. You can use the funds for things like education, housing, and transportation.
If you earn more than the SGA limit ($1,620/month for non-blind in 2025), your SSDI or SSI benefits may be reduced or stopped. Work incentives can help you keep some benefits while working.
Yes, you must report changes in income, work status, or living situation to SSA and DHS. Failing to report changes can lead to overpayments, which you may have to repay.
You can get help from the Illinois Department of Human Services, Social Security Administration, or local disability advocacy organizations like The Arc of Illinois.
