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Indiana • Chronic Illness
People in Indiana with Chronic Fatigue Syndrome may qualify for federal disability benefits like SSDI and SSI, as well as state programs for income support, healthcare, and work incentives. This guide explains eligibility, how to apply, and key resources.
To qualify for Social Security Disability Insurance (SSDI), you must have a disability that prevents you from working and have earned enough work credits, usually 40, with 20 in the last 10 years. For Supplemental Security Income (SSI), you must have limited income and resources, and your disability must meet Social Security’s definition. Chronic Fatigue Syndrome is considered a chronic illness and may qualify if it severely limits your ability to work and is expected to last at least 12 months or result in death. The Social Security Administration (SSA) reviews medical evidence, work history, and financial information to decide eligibility [ssa.gov, 2025-11-05].
In Indiana, people with Chronic Fatigue Syndrome may also qualify for state disability programs if they are state employees. The Indiana State Disability Program provides Short-Term and Long-Term Disability benefits for state workers who cannot work due to illness or injury. These benefits can help bridge the gap until Social Security disability is approved. Indiana residents with low income may also qualify for Medicaid, which covers healthcare costs. State-specific eligibility depends on employment status, income, and medical documentation. For more details, visit the Indiana State Disability Program or contact the Indiana Family and Social Services Administration [in.gov, 2025-11-05].
Indiana residents with Chronic Fatigue Syndrome can open an ABLE account to save money without losing eligibility for SSI or Medicaid. ABLE accounts allow tax-free savings for disability-related expenses. Learn more about Indiana ABLE accounts and how to apply [in.gov, 2025-11-05].
For 2025, the Substantial Gainful Activity (SGA) limit for SSDI is expected to increase to $1,530 per month for non-blind individuals and $2,550 for blind individuals. This means you can earn more while still receiving SSDI benefits. SSI income limits are lower and depend on your living situation and resources [ssa.gov, 2025-11-05].
If your income or living situation changes, you must report it to SSA to avoid overpayments. Overpayments can result in repayment or benefit suspension. Learn how to report changes and avoid overpayments [ssa.gov, 2025-11-05].
Contact your local Social Security office or Indiana Family and Social Services Administration for help with your application.
Yes, if your Chronic Fatigue Syndrome is severe enough to prevent you from working and is expected to last at least 12 months or result in death, you may qualify for SSDI or SSI. The Social Security Administration reviews medical evidence and work history to decide eligibility.
The Substantial Gainful Activity (SGA) limit for SSDI in 2025 is expected to be $1,530 per month for non-blind individuals. Earning above this limit may affect your benefits.
If you are a state employee, complete the Indiana State Disability Program forms: Employee’s Statement of Claim, Authorization for Release of Medical Information, and Options Statement. Submit these to the appropriate agency.
Yes, if you meet the eligibility requirements for both programs, you can receive SSDI and SSI benefits at the same time. This is called concurrent benefits.
An ABLE account is a tax-advantaged savings account for people with disabilities. It allows you to save money for disability-related expenses without losing eligibility for SSI or Medicaid.
Indiana Medicaid provides healthcare coverage for people with disabilities and low income. Eligibility depends on your income, resources, and medical condition. You can apply through the Indiana Family and Social Services Administration.
Disclaimer: This guide is for informational purposes only and does not constitute legal or financial advice. Always consult with a qualified professional for personalized guidance.
Indiana offers work incentives like the Ticket to Work program and Medicaid Buy-In, which help people with disabilities work without losing benefits. These programs support employment and financial independence.
If your application is denied, you can appeal the decision within 60 days. Gather additional medical evidence and consider seeking help from a disability advocate or attorney.
You must report changes in your income or living situation to the Social Security Administration to avoid overpayments. You can report changes online, by phone, or in person at a local office.
You can find more resources through the Indiana Family and Social Services Administration, Indiana Vocational Rehabilitation Services, and local disability advocacy organizations.
