If you have arthritis in Indiana, you may qualify for federal and state disability benefits. This guide covers eligibility, how to apply, and key programs for Indiana residents with arthritis.
To qualify for Social Security Disability Insurance (SSDI), you must have a medical condition that prevents you from working and have paid Social Security taxes through past work. You generally need 40 work credits, with 20 earned in the last 10 years before your disability began. For Supplemental Security Income (SSI), you must have limited income and resources, and your disability must meet Social Security’s definition. Arthritis can qualify if it severely limits your ability to work or perform daily activities. The Social Security Administration (SSA) reviews medical records, work history, and other evidence to decide eligibility.
SSA: How to Qualify for Disability (accessed 2025-11-05)
Indiana offers Short-Term and Long-Term Disability (S/LTD) benefits for state employees who cannot work due to illness or injury, including arthritis. These programs provide income replacement and help bridge to Social Security benefits. If you are not a state employee, you may still qualify for federal SSDI or SSI. Indiana also offers Medicaid waivers for people with disabilities, which can help with home and community-based services. To qualify for state disability, you must submit medical and employment forms to the Indiana Department of Administration. State-specific programs may have different eligibility rules than federal programs.
Indiana State Disability Program (accessed 2025-11-05)
SSA: Apply for Disability (accessed 2025-11-05) Indiana State Disability Forms (accessed 2025-11-05)
SSA: Disability Benefits (accessed 2025-11-05)
Indiana State Disability Program (accessed 2025-11-05) Indiana Medicaid Waivers (accessed 2025-11-05)
ABLE accounts let people with disabilities save money without losing SSI or Medicaid benefits. Indiana offers ABLE accounts through the state’s ABLE program. You can use the funds for qualified disability expenses, such as medical care, education, and housing. To open an account, visit the Indiana ABLE website or contact a financial advisor.
Indiana ABLE Program (accessed 2025-11-05)
SSA: SGA Limits (accessed 2025-11-05)
You must report changes in income, work, or health to the SSA to avoid overpayments. If you receive too much money, you may have to pay it back. Reporting changes helps keep your benefits accurate and prevents future problems. Use the SSA’s online portal or call your local office to report changes.
SSA: Reporting Changes (accessed 2025-11-05)
Contact Indiana Disability Services or your local SSA office for help with your application. They can answer questions and guide you through the process.
Yes, arthritis can qualify for SSDI or SSI if it severely limits your ability to work or perform daily activities. You must provide medical evidence and meet the SSA’s disability criteria.
For 2025, the Substantial Gainful Activity (SGA) limit for SSDI is expected to be $1,530 per month for non-blind individuals. Earning more than this may affect your benefits.
If you are a state employee, complete the Employee's Statement of Claim and Authorization for Release of Medical Information forms. Submit them to the Indiana Department of Administration.
Medicaid waivers in Indiana provide home and community-based services for people with disabilities, including those with arthritis. They help with care at home instead of in institutions.
Yes, you may qualify for both SSDI and SSI if you meet the eligibility rules for each. This is called concurrent benefits and can provide more financial support.
An ABLE account in Indiana is a tax-advantaged savings account for people with disabilities. It lets you save money without losing SSI or Medicaid benefits.
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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Report changes in income, work, or health to the SSA online or by phone. This helps avoid overpayments and keeps your benefits accurate.
Indiana state employees may qualify for Short-Term and Long-Term Disability benefits. These programs provide income replacement while you recover or transition to Social Security.
The SSA may take several months to decide on your disability claim. Some conditions may qualify for immediate payments while the decision is pending.
You can get help from the SSA, Indiana Disability Services, or local nonprofit organizations. They can guide you through the application process and answer questions.
