If you have schizophrenia in Indiana, you may qualify for federal disability benefits like SSDI and SSI, plus state programs for home care, Medicaid waivers, and support services. This guide covers eligibility, how to apply, and key changes for 2025.
To qualify for federal disability benefits with schizophrenia, you must meet Social Security Administration (SSA) criteria. You need a diagnosis that severely limits your ability to work and daily activities. For SSDI, you must have worked and paid Social Security taxes, earning enough work credits (usually 40, with 20 in the last 10 years). For SSI, your income and assets must be low, and you must meet SSA’s disability definition. Both programs require medical proof, such as doctor’s reports and treatment records. The SSA reviews your application to see if your condition matches their listed impairments or is equally severe [1].
Schizophrenia is listed in the SSA’s Blue Book under Section 12.03. To qualify, you must show symptoms like delusions, hallucinations, disorganized thinking, or negative symptoms, plus significant limitations in areas like understanding, social functioning, concentration, or self-care. You must also have a history of ongoing treatment or hospitalization [2].
In Indiana, people with schizophrenia may also qualify for state-specific programs. The Indiana State Disability Program provides income replacement for state employees who cannot work due to illness or injury, including mental health conditions. This is separate from federal SSDI/SSI and is only for state workers [3].
Indiana also offers Medicaid waivers, such as the Aged and Disabled Waiver, which provides home care, personal assistance, and other supports for adults with disabilities. These waivers help people stay at home instead of in institutions. To qualify, you must meet Medicaid financial and disability criteria. The CHOICE Program is another option for those at risk of losing independence, offering services like home-delivered meals and attendant care. There are no strict income limits for CHOICE, but asset limits apply [4].
Structured Family Caregiving pays family members to care for loved ones with disabilities at home, including those with schizophrenia. This program provides tax-free stipends and respite care for caregivers [4].
ABLE accounts let people with disabilities save money for disability-related expenses without losing SSI or Medicaid benefits. In Indiana, you can open an ABLE account through the state’s program. You can save up to $18,000 per year, and the account grows tax-free. Funds can be used for things like housing, education, transportation, and personal support services. To qualify, you must have a disability that began before age 26 [6].
It’s important to report any changes in your income, living situation, or health to SSA or state agencies. Failing to report changes can lead to overpayments, which you may have to repay. Common changes to report include starting or stopping work, moving, getting married, or changes in your disability. You can report changes online, by phone, or in person [5].
In 2025, expect higher income limits for SSDI and SSI, plus a 2.5% COLA increase in benefits. This means you may be able to earn more while still qualifying for benefits [1][2].
You may qualify for SSDI if you have a work history, or SSI if you have low income and assets. Both programs provide monthly payments and may help you get Medicaid or Medicare. You’ll need medical proof of your schizophrenia diagnosis and how it affects your daily life [1][2].
Gather your medical records and proof of income. Apply online at SSA.gov, by phone, or in person. For state programs, contact the Indiana FSSA or local Area Agency on Aging. Submit all forms and supporting documents promptly [2][4].
The SGA limit for non-blind individuals is expected to be $1,530 per month in 2025. For blind individuals, it’s $2,550. Earning above this limit may affect your SSDI benefits [1].
Yes, you can work and still get benefits, but your earnings must be below the SGA limit. There are work incentives and trial work periods that let you test your ability to work without losing benefits [1][2].
Indiana offers Medicaid waivers like the Aged and Disabled Waiver, the CHOICE Program for home care, and Structured Family Caregiving for family caregivers. These programs provide home care, personal assistance, and other supports [4].
You may qualify for Medicaid through SSI or a Medicaid waiver. Contact the Indiana FSSA or local Area Agency on Aging to apply. You’ll need to meet financial and disability criteria [4].
This guide is for informational purposes only and is not legal or financial advice. Always consult with a qualified professional for personalized guidance.
Join thousands of families who trust Purple to protect their benefits
Purple is a financial technology company, not a bank. Banking services are provided by OMB Bank, Member FDIC.
An ABLE account is a tax-advantaged savings account for people with disabilities. You can save up to $18,000 per year for disability-related expenses without losing SSI or Medicaid benefits. You must have a disability that began before age 26 [6].
Yes, you must report changes in your income, living situation, or health to SSA or state agencies. Failing to report changes can lead to overpayments, which you may have to repay [5].
Yes, Indiana’s Structured Family Caregiving program pays family members to care for loved ones with disabilities at home. Caregivers receive tax-free stipends and respite care [4].
Yes, the Homeowner Repair Program helps income-qualified residents with essential home repairs, including accessibility modifications. CICOA also offers home modification funding for those 60+ who own their homes [4].
