Maine residents with an intellectual disability can access federal disability benefits (SSI and SSDI), Maine Medicaid, housing supports, and state vocational and independent living resources. This guide covers eligibility, how to apply, key programs, and where to get help in Maine.
For federal disability benefits (SSI and SSDI), you must have a medically determinable impairment—like an intellectual disability—that prevents substantial work for at least 12 months or is expected to result in death[8]. SSDI requires a work history (generally 10+ years), while SSI is based on financial need and has strict income and asset limits[1]. Children with intellectual disabilities may qualify for SSI if they meet the medical and financial criteria. Both programs require detailed medical documentation and often involve a multi-step application and appeals process[1][6][8].
Maine does not have a state-funded disability cash benefit program; residents must rely on federal SSI, SSDI, or purchase private insurance[1]. However, Maine offers supports like Medicaid (MaineCare) for health coverage, vocational rehabilitation services, independent living assistance, and the 811 PRA housing program for eligible individuals[3][5]. To qualify for Medicaid waivers (HCBS) or the 811 PRA housing program, you must meet both federal and state disability definitions and income guidelines. For vocational and independent living services, you generally need documentation of your disability and, in some cases, proof of Maine residency[3].
Start by applying for SSI or SSDI online at ssa.gov, by phone, or at your local Social Security office[6][8]. For Maine Medicaid (MaineCare) or HCBS waivers, apply through the Maine Department of Health and Human Services. For housing help, contact MaineHousing about the 811 PRA program. For vocational or independent living services, reach out to Maine’s Bureau of Rehabilitation Services or the Division of Deafness, Hard of Hearing, and Blind Services[3]. Keep copies of all medical records and application materials.
State-specific information is limited; start here for the most current program details and applications.
ABLE accounts let Mainers with intellectual disabilities save up to $100,000 without losing SSI or Medicaid eligibility. Funds can be used for disability-related expenses. Open an ABLE account through a participating financial institution.
SSI has strict income and asset limits (in 2023: $2,000 for an individual, $3,000 for a couple). MaineCare has its own income guidelines, but SSI recipients are typically automatically eligible. For 811 PRA housing, you must be extremely low-income (usually below 30% of area median income)[5].
Always report changes in income, living situation, or resources to the Social Security Administration and MaineCare to avoid overpayments, which must be repaid. Use the Social Security portal or call your local office for updates. For help, see our guide on avoiding overpayments.
For free help with SSI/SSDI appeals, understanding your rights, or resolving issues with disability agencies, contact Disability Rights Maine. They offer advocacy, information, and help with complaints.
If you are extremely low-income and have a disability, the 811 PRA program through MaineHousing can help you find affordable, integrated housing with support services. Contact MaineHousing to join the waitlist[5].
Yes, children with intellectual disabilities may qualify for SSI if they meet medical and financial criteria. They may also access MaineCare, early intervention, special education, and other state supports.
SSI is for people with limited income and resources; SSDI requires a work history. See our <SSI vs SSDI> guide for details.
Yes, in Maine, SSI recipients are automatically eligible for MaineCare.
Apply through the Maine Department of Health and Human Services. Ask about the Section 21 waiver for intellectual disabilities.
No, Maine does not have a state disability cash benefit program. Residents must apply for federal SSI or SSDI, or purchase private insurance[1].
Contact Disability Rights Maine or the Client Assistance Program for free help with appeals and understanding your rights[7].
The 811 PRA program offers affordable, integrated housing with support services for very low-income Mainers with disabilities[5].
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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Yes, work incentives let you earn some income without losing benefits. For details, see our <SSI & SSDI Work Incentives> guide and contact MaineHealth Vocational Services[4].
ABLE accounts allow tax-free savings for disability-related expenses without affecting SSI or Medicaid eligibility. Learn more in our <ABLE Accounts> guide.
MaineCITE and ALLTech provide resources and loans for assistive technology to help with daily living and employment[3].
