People with Cystic Fibrosis in Maryland can access federal and state disability benefits, including SSI, SSDI, Medicaid, and state-specific programs. These benefits help cover medical costs, living expenses, and support independence.
To qualify for federal disability benefits in Maryland, you must have a medical condition that meets Social Security Administration (SSA) criteria. Cystic Fibrosis is considered a qualifying disability if it severely limits your ability to work and is expected to last at least 12 months or result in death. For Supplemental Security Income (SSI), you must have limited income and resources. For Social Security Disability Insurance (SSDI), you need a qualifying work history and enough Social Security credits. Children with Cystic Fibrosis may also qualify for benefits if their parent receives Social Security benefits or if they meet the SSA’s definition of disability. Both programs require medical documentation from a licensed healthcare provider [3].
Maryland does not have a state-run disability insurance program, but it offers the Temporary Disability Assistance Program (TDAP) for low-income individuals with disabilities who do not have dependent children. TDAP provides cash benefits for up to 12 months in a 36-month period, or longer if you are applying for federal disability benefits. To qualify, you must verify your disability with a medical report from a licensed practitioner. Maryland also offers Medicaid for Workers with Disabilities (EID), which provides Medicaid coverage to people with disabilities who are employed. The EID program has no income limit and allows savings in Independence Accounts that do not count against resource limits [2].
ABLE accounts allow people with disabilities to save money for disability-related expenses without losing eligibility for SSI, Medicaid, or other benefits. Maryland residents can open an ABLE account through the Maryland ABLE program. Contributions are limited to $18,000 per year, and the account can be used for expenses such as housing, education, transportation, and health care [internal_links].
For SSI, the federal income limit in 2025 is $943 per month for an individual and $1,415 for a couple. For SSDI, there is no income limit, but you must not engage in substantial gainful activity (SGA), which is $1,620 per month in 2025 ($2,700 if blind). For TDAP, benefits are generally up to $185 per month and are available for low-income individuals with disabilities [6].
If you receive more benefits than you are entitled to, you may have to repay the overpayment. Report changes in income, resources, or medical status to SSA and state agencies promptly to avoid overpayments. If you receive an overpayment notice, you can request a waiver or set up a repayment plan [internal_links].
Contact Maryland Access Point at 211 or visit their website for free assistance with applying for disability benefits.
Yes, Cystic Fibrosis qualifies for federal disability benefits like SSI and SSDI if it severely limits your ability to work and is expected to last at least 12 months. Maryland also offers state programs such as TDAP for short-term support.
You can apply for federal benefits online at SSA.gov, by phone at 800-772-1213, or in person at a local SSA office. For state benefits, apply through your local Department of Social Services or MarylandBenefits.gov.
TDAP provides cash benefits to low-income individuals with disabilities who do not have dependent children. Benefits are generally up to $185 per month and are available for up to 12 months in a 36-month period, or longer if applying for federal disability benefits.
Yes, Maryland’s EID program allows people with disabilities to work and still receive Medicaid. There is no income limit, and savings in Independence Accounts do not count against resource limits. Federal programs also have work incentives.
SSI is for people with low income and few assets who are disabled, blind, or age 65 or older. SSDI is based on your work history and Social Security taxes paid. Both programs provide monthly payments and health insurance.
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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For SSI, the federal income limit in 2025 is $943 per month for an individual. For SSDI, you must not engage in substantial gainful activity, which is $1,620 per month in 2025 ($2,700 if blind). For TDAP, benefits are generally up to $185 per month.
You need medical records from a licensed healthcare provider that show your Cystic Fibrosis severely limits your ability to work and is expected to last at least 12 months. The SSA may also require additional exams or reports.
Yes, children with Cystic Fibrosis may qualify for benefits if their parent receives Social Security benefits or if they meet the SSA’s definition of disability. Benefits can continue after age 18 if the disability began before age 22.
An ABLE account allows people with disabilities to save money for disability-related expenses without losing eligibility for SSI, Medicaid, or other benefits. Contributions are limited to $18,000 per year and can be used for expenses such as housing, education, transportation, and health care.
Report changes in income, resources, or medical status to SSA and state agencies promptly. If you receive an overpayment notice, you can request a waiver or set up a repayment plan.
