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Maine • Chronic Illness
Maine does not have a state-run disability program, but people with cancer can access federal benefits like Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). Maine also offers supportive housing, independent living services, and work incentives for those receiving federal benefits. This guide explains eligibility, how to apply, and key resources for cancer patients in Maine.
To qualify for federal disability benefits with cancer, you must meet the Social Security Administration’s (SSA) definition of disability. This means your cancer must be severe enough to prevent you from doing substantial work and is expected to last at least 12 months or result in death. Most cancers are considered disabling if they are advanced or have spread, or if treatment causes severe side effects. You must also meet work and income requirements for SSDI or SSI. SSDI is for those who have worked and paid Social Security taxes, while SSI is for those with limited income and assets. Children with cancer may also qualify for benefits if their parent receives Social Security benefits. [^1][^2][^3]
Maine does not have a state disability program, so cancer patients must apply for federal benefits through the SSA. However, Maine offers other resources for people with disabilities, including supportive housing, independent living services, and work incentives for those receiving federal benefits. MainePERS provides disability retirement for public employees who become unable to work due to cancer. Maine also has programs for assistive technology, legal advocacy, and housing assistance for people with disabilities. These programs can help cancer patients live more independently and access necessary support. [^4][^5][^6][^7]
ABLE accounts allow people with disabilities to save money without losing eligibility for SSI, Medicaid, or other benefits. Maine residents with cancer can open an ABLE account to save for disability-related expenses. Funds in an ABLE account can be used for housing, education, transportation, and other qualified expenses. [^23]
For SSI, the income limit in 2025 is $943 per month for an individual and $1,415 for a couple. SSDI has no income limit, but your benefit amount is based on your work history and earnings. Medicaid income limits vary by program and household size. [^24][^25]
If you receive more benefits than you are entitled to, you may have to repay the overpayment. Report changes in income, work status, or living situation to the SSA or Maine DHHS to avoid overpayments. [^26]
Contact MaineHealth Vocational Services for free benefits counseling and help with work incentives. They can guide you through the application process and help you understand how working affects your benefits.
Yes, you can get federal disability benefits for cancer in Maine through SSDI or SSI if your cancer is severe enough to prevent you from working. Maine does not have a state disability program, so federal benefits are the main source of support.
You can apply for SSDI or SSI online at SSA.gov, by phone, or at a local Social Security office. You will need medical records and information about your work history and income.
SSDI is for those who have worked and paid Social Security taxes. SSI is for those with limited income and assets. Both programs provide monthly payments and health insurance, but eligibility requirements are different.
No, Maine does not have a state disability program. Cancer patients must apply for federal benefits through the SSA. Maine offers other resources like supportive housing and independent living services.
Yes, there are work incentives that allow you to work and keep your benefits. MaineHealth Vocational Services can help you understand how working affects your benefits.
Maine offers supportive housing, independent living services, assistive technology, legal advocacy, and work incentives for those receiving federal benefits. MainePERS also provides disability retirement for public employees.
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 can take several months to over a year. Most people are denied at first but are approved after multiple rounds of appeal.
Yes, children with cancer may qualify for benefits if their parent receives Social Security benefits. Children may also qualify for SSI if they meet income and asset requirements.
MainePERS disability retirement is for public employees who become unable to work due to cancer. It requires a medically diagnosable condition, functional limitations, and expected permanence.
MaineHealth Vocational Services has Community Work Incentives Coordinators who can help you understand how working affects your benefits. This service is free for Maine residents receiving federal disability benefits.
