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Minnesota • Physical/Mobility
People in Minnesota with amputation can access federal and state disability benefits, including SSI, SSDI, Medicaid waivers, and new 2025 changes to public safety disability health insurance. This guide explains eligibility, how to apply, and support programs.
If you have an amputation, you may qualify for federal disability benefits. The Social Security Administration (SSA) considers amputation under its disability listings. To get Supplemental Security Income (SSI), you must have low income and resources. Social Security Disability Insurance (SSDI) requires a work history and enough work credits. Both programs require a medical condition that prevents substantial work for at least 12 months or is expected to result in death. Amputation of both hands, one or both legs above the knee, or one arm and one leg may meet SSA’s criteria. You must also meet non-medical requirements, such as citizenship or legal residency.
For more details, see SSA’s Blue Book listing 1.05 for amputation.
Minnesota offers extra support for people with amputation. You may qualify for Medical Assistance (Medicaid), which covers health care, including prosthetics and therapy. Minnesota’s disability waiver programs (such as the Brain Injury, Community Access for Disability Inclusion, and Developmental Disabilities waivers) can help pay for home care, assistive technology, and other supports. The state also has programs for employment, housing, and transportation.
As of 2025, Minnesota updated its public safety disability benefits. If you are a peace officer or firefighter with a regular duty disability, health insurance coverage is now limited to five years instead of until age 65. Total and permanent duty disability still gets coverage until age 65. These changes do not affect most people with amputation unless they are public safety workers.
Minnesota also expanded eligibility for ABLE accounts to people whose disability began before age 46, effective January 1, 2025. ABLE accounts let you save money without losing benefits.
Learn more about avoiding overpayments and reporting changes
Learn more about Medicaid vs Medicare
Minnesota’s ABLE account lets people with disabilities save money without losing SSI, Medicaid, or other benefits. As of January 1, 2025, eligibility is expanded to people whose disability began before age 46. You can save up to $17,000 per year (2025 limit) and up to $100,000 without losing SSI. Funds can be used for disability-related expenses like medical care, housing, education, and transportation.
Learn more about ABLE Accounts
Federal SSI income limits for 2025 are $943/month for an individual and $1,415/month for a couple. Minnesota’s Medical Assistance (Medicaid) income limits are higher and vary by household size and program. For most waiver programs, income limits are based on federal poverty guidelines. Check with your county or MNsure for exact numbers.
You must report changes in income, resources, living situation, or medical condition to avoid overpayments. Overpayments can lead to loss of benefits or repayment. Report changes to SSA for SSI/SSDI and to your county or MNsure for Medical Assistance. Disability Hub MN can help you understand reporting rules.
Learn more about avoiding overpayments and reporting changes
Disability Hub MN offers free expert help with benefits applications, planning, and problem-solving. Chat, call, or email them for support.
You may qualify for SSI, SSDI, Medicare, and Medicaid. SSI is for people with low income and resources. SSDI is for those with a work history. Both provide cash and health benefits if your amputation prevents substantial work.
Apply for SSI/SSDI online at SSA.gov, by phone, or at a local office. Apply for Medical Assistance through MNsure or your county. Contact Disability Hub MN for help with any application.
Minnesota offers Medical Assistance (Medicaid), disability waiver programs, ABLE accounts, employment support, housing help, and transportation services for people with amputation.
Yes, public safety disability health insurance is now limited to five years for regular duty disabilities, but total and permanent disability still gets coverage until age 65. ABLE account eligibility is expanded to those whose disability began before age 46.
Medical Assistance (Medicaid) covers prosthetics and therapy for people with amputation. Disability waiver programs may also help pay for these services. Ask your county or DHS for details.
Yes, SSI and SSDI have work incentives that let you try working without losing benefits. Minnesota also has employment support programs for people with disabilities.
Disclaimer: This guide is for informational purposes only and does not constitute legal or financial advice. Always check with official sources for the most current information.
An ABLE account lets you save money for disability-related expenses without losing SSI, Medicaid, or other benefits. Minnesota’s ABLE account is open to people whose disability began before age 46.
Report changes in income, resources, living situation, or medical condition to SSA and your county or MNsure. Disability Hub MN can help you understand reporting rules.
Disability Hub MN offers free expert help statewide. You can chat, call, or email them for help with applications, planning, and problem-solving.
Minnesota’s waiver programs help pay for home care, assistive technology, and other supports for people with disabilities. Examples include the Brain Injury, Community Access for Disability Inclusion, and Developmental Disabilities waivers.
