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Indiana • Chronic Illness
People in Indiana with fibromyalgia may qualify for federal and state disability benefits, including SSDI, SSI, Medicaid waivers, and work incentives. Eligibility depends on medical evidence, work history, and income. This guide explains how to apply and what benefits are available.
To qualify for Social Security Disability Insurance (SSDI), you must have worked enough years and paid Social Security taxes. Your disability must prevent you from doing any substantial gainful activity (SGA) for at least 12 months. For Supplemental Security Income (SSI), you must have limited income and resources, and your disability must meet the same medical criteria as SSDI. Both programs require medical proof that your fibromyalgia severely limits your ability to work. The Social Security Administration (SSA) uses a strict definition of disability, which includes being unable to do your past work or any other job in the national economy due to your condition [ssa.gov, 2025-11-05].
In Indiana, eligibility for SSDI and SSI follows federal rules. The Indiana Disability Determination Bureau (DDB) works with SSA to review medical evidence and decide if your fibromyalgia meets the definition of disability. Indiana does not have a separate state disability program for private workers, but state employees may qualify for Short-Term and Long-Term Disability benefits. For children with fibromyalgia, Indiana follows federal rules for SSI and SSDI child benefits. Indiana also offers Medicaid waivers for people with disabilities, which can provide additional support services [in.gov, 2025-11-05].
An ABLE account lets people with disabilities save money without losing SSI or Medicaid benefits. Indiana residents can open an ABLE account to pay for disability-related expenses. Contributions are tax-free, and withdrawals for qualified expenses are not taxed. This can help with costs like medical care, education, and housing [in.gov, 2025-11-05].
If your income or work status changes, you must report it to SSA. Failing to report can result in overpayments and penalties. Use SSA’s online portal or call to report changes. If you receive an overpayment, you may be able to request a waiver or set up a repayment plan [ssa.gov, 2025-11-05].
Contact the Indiana Disability Determination Bureau for help with your application. They can answer questions and guide you through the process.
Yes, fibromyalgia can qualify for SSDI or SSI if it severely limits your ability to work and meets the SSA’s definition of disability. You must provide medical evidence showing how your condition affects your daily life and work.
You need medical records from your doctors, including diagnosis, treatment history, and how fibromyalgia limits your ability to work. The SSA may also request additional exams or tests.
For 2025, the SGA limit is expected to be $1,530 per month for non-blind individuals. Earning more than this may affect your SSDI benefits.
Yes, if you meet the eligibility requirements for both programs, you can receive concurrent benefits. This is common for people with limited income and resources.
Indiana Medicaid waivers provide home and community-based services for people with disabilities. These can include personal care, respite care, and other support services.
You can apply online at SSA.gov, by phone, or at a local SSA office. You will need to submit medical records and other required forms.
Disclaimer: This guide is for informational purposes only. Always check with official agencies for the most current rules and eligibility.
If your claim is denied, you can appeal within 60 days. The appeals process includes reconsideration, a hearing, and review by the Appeals Council.
Yes, work incentives allow you to test employment without losing benefits. You can earn up to the SGA limit and still receive SSDI.
The Indiana DDB and SSA may take several months to review your case. If additional medical exams are needed, the process may take longer.
Indiana offers Medicaid waivers, vocational rehabilitation, and other support programs for people with disabilities. State employees may also qualify for Short-Term and Long-Term Disability benefits.
