If you have rheumatoid arthritis in Indiana, you may qualify for federal disability benefits like SSDI or SSI, Medicaid, and state programs. This guide explains eligibility, how to apply, and what benefits are available in 2025.
To qualify for federal disability benefits with rheumatoid arthritis, you must have a medically determinable impairment that prevents you from doing any substantial gainful activity (SGA) and is expected to last at least 12 months or result in death. The Social Security Administration (SSA) uses a strict definition of disability, which means you must be unable to do your past work and cannot adjust to other work because of your condition. For rheumatoid arthritis, the SSA looks at how your symptoms affect your ability to walk, stand, use your hands, and perform daily tasks. You must provide medical records, doctor’s notes, and test results to prove your disability. The SSA also considers your age, education, and work history when making a decision[1].
In Indiana, eligibility for disability benefits is based on federal rules for SSDI and SSI. However, Indiana has its own Disability Determination Bureau (DDB) that works with the SSA to review medical evidence and make disability decisions. The DDB follows the federal definition of disability but may ask for more medical exams or tests if needed. Indiana also offers extra support through Medicaid waivers, vocational rehabilitation, and other state programs. If you have rheumatoid arthritis, you may qualify for these programs if your condition limits your ability to work or live independently. The state may refer you to Vocational Rehabilitation Services if you want to try working again[2].
An ABLE account lets people with disabilities save money without losing SSI or Medicaid benefits. You can use the money for qualified disability expenses like housing, education, and transportation. Indiana residents can open an ABLE account through the state’s program. Contributions are tax-free, and earnings grow tax-free. There are annual and lifetime limits on how much you can save[6].
You must report any changes in your income, resources, or living situation to the SSA. If you earn more than the SGA limit, your benefits may be reduced or stopped. If you get an overpayment, you must pay it back. You can avoid overpayments by reporting changes right away and keeping good records[8].
Contact the Indiana Disability Determination Bureau or a local disability advocate for help with your application.
Yes, if your rheumatoid arthritis prevents you from working and meets the Social Security Administration’s criteria. You must provide medical evidence and apply for SSDI or SSI.
The SGA limit for 2025 is expected to be $1,530 per month for non-blind individuals and $2,550 for blind individuals. This is the most you can earn and still get SSDI benefits.
You can apply online at ssa.gov, by phone, or at your local SSA office. You will need to provide medical records, proof of income, and identification.
SSDI is for people who have worked and paid Social Security taxes. SSI is for people with low income and resources. Both programs provide disability benefits.
Yes, you can work and earn up to the SGA limit without losing your benefits. If you earn more, your benefits may be reduced or stopped.
A Medicaid waiver lets people with disabilities get services in the community instead of institutions. Services include home care, personal care, and respite care.
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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You can open an ABLE account through the state’s program. Contributions are tax-free, and earnings grow tax-free. There are annual and lifetime limits on how much you can save.
If you get an overpayment, you must pay it back. You can avoid overpayments by reporting changes right away and keeping good records.
Yes, you can appeal a denial. You have 60 days to file an appeal. You can get help from a disability advocate or attorney.
The Ticket to Work program helps people with disabilities find jobs and keep their benefits. You can get job training, counseling, and support.
