If you have schizophrenia in Michigan, you may qualify for federal disability benefits like SSI and SSDI, plus state programs such as Medicaid and State Disability Assistance (SDA). This guide explains eligibility, how to apply, and what benefits are available in 2025.
To qualify for federal disability benefits with schizophrenia, you must meet Social Security’s definition of disability. This means your condition must be severe enough to prevent you from working and is expected to last at least 12 months or result in death. Social Security reviews medical records, work history, and how your symptoms affect daily life. For SSDI, you need a work history and enough Social Security credits. For SSI, you must have limited income and assets, regardless of work history. Both programs require U.S. citizenship or qualifying non-citizen status. [^1]
The Substantial Gainful Activity (SGA) limit for 2025 is $1,620 per month for most people. If you earn more than this, you generally cannot qualify for SSDI. For SSI, the federal maximum benefit in 2025 is $943 per month for individuals. [^1][^2]
In Michigan, adults with schizophrenia may qualify for State Disability Assistance (SDA) if they do not qualify for federal disability programs. SDA is for those with disabilities who are not eligible for SSDI or SSI, or who need extra help. You must be a U.S. citizen or qualified legal immigrant, live in Michigan, and meet income and asset limits. SDA can provide cash assistance and may help with other needs. Michigan also offers Medicaid to people with disabilities, which covers health care costs. [^3][^4]
Michigan residents receiving SSI may get a small state supplement. The process for proving disability can be complex, so help from a benefits expert or attorney is often useful. [^4]
ABLE accounts let people with disabilities save money without losing SSI or Medicaid benefits. Michigan residents with schizophrenia can open an ABLE account if they became disabled before age 26. Funds can be used for education, housing, transportation, and other qualified expenses. [^8]
You must report changes in income, living situation, or health to Social Security or MDHHS. Not reporting changes can lead to overpayments, which you may have to repay. If you get too much money, Social Security or MDHHS will send a notice and explain your options. [^9]
Contact a Michigan Benefit-to-Work Coach for free help with disability benefits and work questions. They can explain how work affects your benefits and help you avoid mistakes.
Yes, if your SSDI payment is low and you meet the financial requirements for SSI, you may qualify for both. This is called concurrent benefits and can help cover more of your needs.
The SGA limit for SSDI in 2025 is $1,620 per month for most people. If you earn more than this, you generally cannot qualify for SSDI.
The federal maximum SSI payment in 2025 is $943 per month for individuals. Some Michigan residents may get a small state supplement.
SDA is a state program that provides cash assistance to adults with disabilities who don’t qualify for federal disability programs. You must meet income and asset limits.
No, SSI is based on financial need, not work history. You must have limited income and assets, and meet other requirements.
Yes, both programs have work incentives. You can test your ability to work without immediately losing benefits, but there are income limits.
You can apply for SSI or SSDI online at SSA.gov, by phone, or in person. For SDA, apply through your local MDHHS office. Gather medical records and financial information before applying.
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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Medicaid covers health care for SSI recipients and others with low income. SSDI recipients get Medicare after a 24-month waiting period.
Yes, Michigan offers housing assistance programs like Section 8 and public housing for people with disabilities. Contact your local housing authority for more information.
An ABLE account lets people with disabilities save money without losing SSI or Medicaid benefits. Michigan residents can open an ABLE account if they became disabled before age 26.
