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Iowa • Physical/Mobility
People with Spina Bifida in Iowa may qualify for federal and state disability benefits, including SSI, SSDI, Medicaid waivers, and ABLE accounts. Eligibility depends on medical need, income, and work history. This guide covers how to apply, what benefits are available, and where to get help.
To qualify for federal disability benefits in Iowa, you must have a medical condition that prevents you from working for at least 12 months or is expected to result in death. For Social Security Disability Insurance (SSDI), you need a qualifying work history, usually 40 credits, with 20 earned in the last 10 years. Supplemental Security Income (SSI) is for those with limited income and resources, regardless of work history. Both programs require proof from a doctor that your Spina Bifida limits your ability to work or perform daily activities[7].
State-specific disability benefits in Iowa are limited compared to states like California. Iowa does not have a state-run short-term disability insurance program. However, people with Spina Bifida may qualify for Iowa Medicaid waivers, which provide home and community-based services for people with physical disabilities. To qualify, you must meet medical and financial criteria set by the Iowa Department of Human Services. Children with Spina Bifida may also qualify for early intervention services and special education supports[8].
Federal programs available to people with Spina Bifida in Iowa include Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). SSDI provides monthly payments to those who have worked and paid into Social Security. SSI provides payments to those with limited income and resources. Both programs require medical proof of disability and may include access to Medicare or Medicaid[7].
Iowa does not have a state-run short-term disability insurance program. However, people with Spina Bifida may qualify for Iowa Medicaid waivers, which provide home and community-based services for people with physical disabilities. These waivers can help with personal care, therapy, and other supports. Children with Spina Bifida may also qualify for early intervention services and special education supports through the Iowa Department of Education[8].
ABLE accounts allow people with disabilities to save money for disability-related expenses without losing eligibility for SSI, Medicaid, or other benefits. In Iowa, you can open an ABLE account through the federal ABLE program. Contributions are limited, and funds can be used for housing, education, transportation, and other qualified expenses[9].
For SSI, the federal income limit in 2025 is $943 per month for an individual and $1,415 for a couple. Iowa does not have a separate state income limit for SSI, but Medicaid waiver income limits may vary. Check with the Iowa Department of Human Services for current Medicaid waiver income limits[8].
If you receive more benefits than you are entitled to, you must report the overpayment to the Social Security Administration or Iowa Department of Human Services. Overpayments can happen if your income or living situation changes. Reporting changes promptly can help avoid penalties and ensure you receive the correct amount of benefits[10].
Contact your local Area Agency on Aging or the Iowa Department of Human Services for help with applications and eligibility questions.
You may qualify for Social Security Disability Insurance (SSDI) if you have a work history, or Supplemental Security Income (SSI) if you have limited income. Both programs require medical proof of disability[7].
No, Iowa does not have a state-run short-term disability insurance program like California. Most disability benefits come from federal programs or Medicaid waivers[8].
Contact the Iowa Department of Human Services or your local Area Agency on Aging. They will help you determine eligibility and guide you through the application process for Medicaid waivers[8].
Yes, children with Spina Bifida may qualify for SSI, Medicaid waivers, early intervention services, and special education supports. Contact the Iowa Department of Human Services or your local school district for more information[8].
An ABLE account lets people with disabilities save money for disability-related expenses without losing eligibility for SSI, Medicaid, or other benefits. Funds can be used for housing, education, transportation, and more[9].
Yes, you must report changes in income, living situation, or medical condition to the Social Security Administration or Iowa Department of Human Services. This helps ensure you receive the correct amount of benefits[10].
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.
The approval process for SSI or SSDI can take several months. Most people are initially denied and must appeal. The process can take up to two years if you go to a hearing[2].
You need medical records showing your diagnosis, treatment plan, and how Spina Bifida limits your ability to work or perform daily activities. A doctor must certify your disability[7].
Yes, you can work while receiving SSI or SSDI, but there are income limits. SSI has strict income limits, while SSDI allows for some work through work incentives[10].
Adults with Spina Bifida may qualify for Medicaid waivers, vocational rehabilitation, and other support services. Contact the Iowa Department of Human Services or your local Area Agency on Aging for more information[8].
