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Minnesota • Chronic Illness
People with kidney disease in Minnesota can access federal and state benefits, including Social Security Disability Insurance (SSDI), Supplemental Security Income (SSI), Medicaid, and home and community-based services (HCBS) waivers. Eligibility depends on income, work history, and medical status. Minnesota also offers ABLE accounts and special programs for those with chronic illnesses.
To qualify for federal disability benefits like SSDI or SSI, you must have a kidney disease that prevents you from working for at least 12 months. SSDI requires a work history and enough Social Security credits. SSI is for those with limited income and resources, regardless of work history. Children with kidney disease may qualify for SSI if their family meets income limits. Adults with kidney disease that began before age 22 may qualify for benefits on a parent’s Social Security record if the parent is retired, disabled, or deceased. All applicants must meet the Social Security Administration’s definition of disability [4].
In Minnesota, people with kidney disease may qualify for Medical Assistance (Medicaid) if their income and assets are below state limits. Minnesota also offers HCBS waivers for people with disabilities, including kidney disease, to receive home and community-based services. These waivers help pay for personal care, transportation, and other supports. Eligibility for waivers depends on medical need, income, and functional limitations. Minnesota’s ABLE accounts are available to people whose disability began before age 46, allowing tax-free savings for disability-related expenses. Public safety workers with duty disabilities may receive health insurance for up to five years, or until age 65 if the disability is total and permanent [1][2][3].
Minnesota offers ABLE accounts to people whose disability began before age 46. These accounts let you save up to $18,000 per year (2025 limit) for disability-related expenses without losing SSI, Medicaid, or other benefits. You can use the funds for housing, education, transportation, and more. To open an account, visit the Minnesota ABLE program website or contact Disability Hub MN [3].
Income limits for Minnesota benefits change each year. For 2025, the limits for Medical Assistance, Minnesota Supplemental Aid, and Housing Support have been updated to include the Social Security Cost of Living Adjustment (COLA). Check the latest guidelines on DB101 Minnesota or MNBenefits.org for current numbers [3].
If your income or situation changes, you must report it to avoid overpayments. Overpayments can happen if you get more benefits than you are entitled to. Report changes to Social Security, Medicaid, and other programs right away. Disability Hub MN can help you understand reporting rules and avoid problems [5].
Contact Disability Hub MN for free, expert help with benefits applications and planning. They can answer questions and help you avoid mistakes.
Yes, if your kidney disease prevents you from working for at least 12 months and you have enough Social Security work credits. You must meet the SSA’s definition of disability. Apply online or at a local office [4].
Yes, Minnesota Medicaid covers dialysis, transplant care, medications, and other treatments for kidney disease. Eligibility depends on income and assets. Apply through MNBenefits.org or your county office [3].
HCBS waivers help people with disabilities get home and community-based services. In Minnesota, you can apply through your county case manager. Waiver Reimagine is making it easier to access these services [2].
Yes, if your disability began before age 46. ABLE accounts let you save for disability-related expenses without losing SSI or Medicaid. Open an account through the Minnesota ABLE program [3].
Report changes in income, living situation, or health to Social Security, Medicaid, and other programs right away. Disability Hub MN can help you understand reporting rules and avoid overpayments [5].
Public safety workers with duty disabilities may get health insurance for up to five years, or until age 65 if the disability is total and permanent. State Patrol members are exempt from the five-year limit [1].
Disclaimer: This guide is for informational purposes only. Always check with official agencies for the most current rules and eligibility.
Yes, children with kidney disease may qualify for SSI if their family meets income limits. Children may also get Medicaid and other supports. Apply through MNBenefits.org or your county office [4].
SSDI is for people who worked and paid Social Security taxes. SSI is for people with limited income and resources, regardless of work history. Both programs help people with disabilities, including kidney disease [4].
Contact Disability Hub MN for free help with applications, planning, and navigating the system. They can answer questions and help you avoid mistakes [5].
Minnesota has special rules for public safety workers with duty disabilities and offers ABLE accounts for people whose disability began before age 46. HCBS waivers help with home care and support services [1][2][3].
