Missouri residents living with Deaf-Blindness may qualify for federal (SSI/SSDI) and state benefits (Medicaid, waivers, ABLE accounts). This guide covers eligibility, how to apply, income rules, and where to find help. Always report changes in income or living situation to avoid overpayments.
To get federal disability benefits for Deaf-Blindness, you must meet the Social Security Administration (SSA) definition of disability: you cannot work due to a severe physical or mental impairment expected to last at least 12 months or result in death. For SSDI, you also need enough work credits. For SSI, strict income and resource limits apply. Deaf-Blindness may qualify you for expedited processing under SSA's 'Compassionate Allowances' program, but you must still meet all federal rules[4].
SSI is for low-income individuals with limited resources, while SSDI is for those who have worked and paid into Social Security. Blind applicants have higher income and resource limits than non-blind applicants—for example, the 2025 Substantial Gainful Activity (SGA) limit for blind individuals is higher than for non-blind individuals[3]. If you are over 18 and became disabled before age 22, you may be eligible for Disabled Adult Child (DAC) benefits on a parent's record, even if you have never worked[4].
State-specific information is limited; start here:
Step 1: Check if you might qualify for SSI or SSDI by reviewing federal eligibility rules[4]. Use the SSI Income Estimator for a quick check.
Step 2: Gather medical records, work history, proof of income, and identity documents.
Step 3: Apply online at ssa.gov, by phone, or in person at your local SSA office.
Step 4: Contact Missouri Family Support Division for Medicaid (MO HealthNet) and waiver applications—apply online at mydss.mo.gov or call 855-373-4636.
Step 5: For Missouri ABLE accounts, visit MO ABLE program’s official site[7].
Federal Programs (SSI/SSDI):
Missouri State Programs:
After Approval:
Social Security Disability Insurance (SSDI):
Supplemental Security Income (SSI):
Child and Adult Benefits:
MO HealthNet for the Blind:
MO ABLE (Achieving a Better Life Experience):
Missouri Medicaid Waivers (HCBS):
Other Support:
You can open a Missouri ABLE account to save for disability-related expenses without affecting your eligibility for SSI, Medicaid, or other state benefits[7]. These accounts are available to Missouri residents who became disabled before age 26. Money in the account grows tax-free and can be used for qualified disability expenses.
Federal:
Missouri Medicaid (MO HealthNet for the Blind):
Always report changes in income, living situation, or work status to SSA and Missouri agencies to avoid overpayments or loss of benefits. Use the Avoiding Overpayments & Reporting Changes guide for detailed steps on what to report and when.
If you are Deaf-Blind, you may qualify for faster disability processing through SSA’s Compassionate Allowances program. But you must still meet all federal rules. Contact SSA directly if you need help applying due to sensory or communication barriers—reasonable accommodations should be provided.
Missouri’s Medicaid waivers (HCBS) are not always clearly described for sensory disabilities like Deaf-Blindness. Contact Missouri Department of Health and Senior Services or your local office for personalized help and to ask about available supports.
SSI is for low-income people with limited resources, while SSDI requires a work history. Both pay monthly cash benefits, but eligibility rules differ. Compare both programs in our [SSI vs SSDI](/guides/ssi-ssdi) guide.
Yes, but your earnings must stay under the Substantial Gainful Activity (SGA) limit ($2,700/month if blind in 2025)[4]. Ask about work incentives to keep more of your benefits while working.
MO HealthNet for the Blind covers health care for those who are legally blind and meet income limits[5]. Home- and community-based waivers may also be available—call the state for details.
Adults disabled before age 22 may qualify for Disabled Adult Child (DAC) benefits on a parent’s Social Security record, even if they never worked[4]. Contact SSA for details.
ABLE accounts let you save for disability-related expenses without losing SSI or Medicaid. Earnings grow tax-free, and you can use the money for qualified expenses[7].
MO HealthNet for the Blind: $15,650/year for a single person, $21,150/year for a couple in 2025[5]. Contact the Family Support Division for current details.
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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The SSA periodically reviews disability cases (every 3–7 years, or sooner if improvement is expected). Missouri Medicaid may also review eligibility each year.
Yes. SSA and Missouri agencies must provide reasonable accommodations. Call, email, or visit with a trusted support person to help you access services.
You have the right to appeal. Missouri legal aid and disability advocacy groups can help with the appeals process.
Visit our [All benefits in your state](/benefits/missouri) hub for a complete list and links to Missouri programs.
