Residents of Maine with mobility impairments can access federal disability benefits (SSI, SSDI), Medicaid, assistive technology, and housing support—but there is no state disability insurance program. State-run services help with independent living, work incentives, and advocacy. This guide explains eligibility, how to apply, and connects you to Maine-specific programs.
Federal disability programs—Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI)—are the main income support for Mainers with mobility impairments[1]. SSDI requires a work history (generally 10 years) and proof that your disability prevents working for at least 12 months[7][8]. SSI is for those with limited income and resources, regardless of work history; it includes Medicaid for health coverage. Both require medical proof of a severe, long-term disability[6].
Maine does not have a separate state disability program, so eligibility is determined by federal rules[1]. For Mainers with mobility impairment, state-run programs like Independent Living Services (ILS) help with daily living in your community, and MaineCITE provides assistive technology[3]. The Division of Deafness and Disability Rights Maine offer advocacy and referral. State employees may be eligible for Disability Retirement through MainePERS if they meet medical and employment criteria[2]. Housing programs like Section 811 PRA help low-income people with disabilities find affordable, accessible homes[5].
To apply for federal disability benefits in Maine:
1. Prepare your application: Collect medical records that document your mobility impairment, work history (for SSDI), and proof of income/resources (for SSI). 2. Apply online, by phone, or in person: The fastest way is online at ssa.gov, but you can also call 1-800-772-1213 or visit your local Social Security office[6][8]. Maine’s Disability Determination Services evaluates medical eligibility[6]. 3. Prepare for appeals: Many applicants are denied at first. If this happens, request a reconsideration, then a hearing if needed. Your chances improve at each stage[1]. 4. Explore state services while you wait: Contact Independent Living Services for help with daily tasks[3]. Apply for assistive technology through MaineCITE. Check the Section 811 PRA waitlist for housing if you are extremely low-income[5]. 5. Get benefits counseling if you want to work: MaineHealth’s Community Work Incentives Coordinators can help you understand how employment affects your benefits[4]. 6. State employees: If you work(ed) for Maine government, apply for Disability Retirement through MainePERS with medical proof of permanent disability[2].
SSI provides monthly payments and Medicaid to Mainers with limited income and resources who are disabled, blind, or aged 65+[1][6]. SSDI pays based on your work credits and comes with Medicare after a waiting period[1][8]. Both cover children and adults with mobility impairments, but eligibility rules differ—see our SSI vs SSDI guide for details. HUD Section 811 PRA offers project-based rental assistance for extremely low-income people with disabilities[5].
No state disability insurance: Maine residents must rely on federal programs or private insurance[1]. Independent Living Services (ILS) helps people with significant disabilities live at home and in the community through services, advocacy, and referrals[3]. MaineCITE provides assistive technology loans and demonstrations. MaineHousing’s Section 811 PRA partners with DHHS to provide affordable, accessible housing and support services[5]. MainePERS Disability Retirement is available to eligible state employees who are permanently unable to work[2]. MaineHealth Vocational Services offers free benefits counseling for SSI/SSDI recipients wanting to work[4]. Disability Rights Maine provides legal advocacy and information[3].
Maine residents with disabilities can use ABLE accounts to save money without losing eligibility for SSI, Medicaid, and other needs-based benefits. These accounts help pay for disability-related expenses. Contributions grow tax-free, and withdrawals for qualified expenses are not counted as income. Learn more about how ABLE accounts work in our ABLE Accounts guide.
SSI has strict income and resource limits—in 2025, individual countable resources must stay under $2,000[7]. The SSI income limit changes yearly. SSDI does not have asset limits, but you must meet the work credit requirement. Both programs may reduce benefits if you earn over a certain amount from work. Check our SSI Income Estimator for current figures.
If you receive more benefits than you’re owed, you must repay the excess. Always report income, living, and work changes promptly to avoid overpayments. For guidance, see our Avoiding Overpayments & Reporting Changes guide. Maine’s benefits counseling can also help you stay compliant[4].
Maine does not offer a state disability insurance program. Residents with mobility impairments must apply for federal SSI or SSDI, or buy private insurance. State services focus on independent living, assistive technology, and advocacy—not direct income replacement[1].
Most SSI/SSDI applications are denied at first. Don’t give up—appeal within 60 days. Many Mainers are approved after one or more appeals. Consider free help from Disability Rights Maine or a legal aid group if you are denied[1].
No, Maine does not have a state disability program. Residents must apply for federal benefits (SSI, SSDI) or purchase private insurance[1].
Denials are common. Appeal within 60 days—many Mainers are approved after one or more appeals[1]. Consider getting help from Disability Rights Maine or a legal aid group.
Yes, with rules. Work incentives allow you to earn some income without losing all benefits. MaineHealth offers free counseling to help you understand these rules[4].
If you qualify for SSI in Maine, you are automatically eligible for Medicaid. For others, apply through MaineCare. See our [Medicaid vs Medicare](#/guides/medicaid-vs-medicare) guide for details.
MaineHousing’s Section 811 PRA program offers affordable, accessible housing with support services for extremely low-income people with disabilities[5].
Yes. MaineCITE helps Mainers with disabilities borrow, buy, or try assistive devices like wheelchairs, ramps, and communication tools[3].
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. MainePERS offers Disability Retirement to eligible state employees who can no longer work due to a permanent medical condition[2].
For SSI/SSDI, start at ssa.gov or call your local Social Security office[6][8]. For advocacy, contact Disability Rights Maine[3].
ABLE accounts let people with disabilities save money without losing benefits. They are available to Mainers who became disabled before age 26. See our [ABLE Accounts](#/guides/able-accounts) guide.
Report changes in income, living situation, or work status right away. For help, see our [Avoiding Overpayments & Reporting Changes](#/guides/overpayments-and-reporting) guide.
