If you are Deaf in Missouri, you may qualify for federal and state disability benefits, including Social Security Disability Insurance (SSDI), Supplemental Security Income (SSI), Medicaid waivers, and ABLE accounts. This guide explains eligibility, how to apply, and what to expect in 2025.
To qualify for federal disability benefits, you must meet Social Security's definition of disability. This means your Deafness must prevent you from doing substantial work and is expected to last at least 12 months or result in death. You must also have enough work credits for SSDI, or meet income and asset limits for SSI. The Social Security Administration (SSA) reviews medical evidence, work history, and financial information to decide eligibility. In 2025, the Substantial Gainful Activity (SGA) limit for non-blind individuals is expected to be about $1,620 per month, and $2,700 for blind individuals. Earning above these amounts may affect your benefits.
Missouri does not have a separate state disability program for adults, but residents may qualify for Medicaid waivers and other state services. To get Medicaid waivers, you must meet federal disability criteria and Missouri's financial and functional requirements. Missouri also offers the MO ABLE program, which allows individuals with disabilities to save money without losing benefits. If you are Deaf and under 18, you may qualify for benefits as a dependent if your parent receives Social Security benefits. Adults with a disability that began before age 22 may also qualify for benefits based on a parent's record.
Step 1: Review eligibility on the SSA website. Make sure your Deafness meets the definition of disability and you have enough work credits (for SSDI) or meet income limits (for SSI).
Step 2: Collect medical records, proof of income, and work history. Include audiograms, doctor's notes, and any other evidence of your Deafness.
Step 3: Apply online at ssa.gov, by phone at 1-800-772-1213, or in person at a local Social Security office.
Step 4: Wait for a decision. If denied, you can appeal within 60 days. The appeals process includes reconsideration, a hearing, and review by the Appeals Council.
Step 5: If approved, you may also apply for Medicaid waivers and MO ABLE accounts. Contact your local Department of Social Services for more information.
Step 6: Report any changes in income, work, or living situation to avoid overpayments.
MO Department of Social Services (for Medicaid waivers and state benefits)
Social Security Disability Insurance (SSDI): Monthly payments based on your work history. In 2025, the maximum payment is about $4,555 per month.
Supplemental Security Income (SSI): Monthly payments based on financial need. In 2025, the maximum payment in Missouri is $967 per month.
Medicare: Health insurance after 24 months of SSDI.
Medicaid: Health insurance for low-income individuals with disabilities.
Medicaid Waivers (HCBS): Missouri offers Home and Community-Based Services waivers for individuals with disabilities. These waivers provide services like personal care, respite care, and assistive technology.
MO ABLE Program: Allows individuals with disabilities to save money without losing federal benefits. Accounts can be used for qualified disability expenses.
State Children's Health Insurance Program (SCHIP): Health insurance for children with disabilities.
Vocational Rehabilitation Services: Job training and employment support for individuals with disabilities.
MO Department of Social Services (for Medicaid waivers and SCHIP)
MO Vocational Rehabilitation (for job training and support)
The MO ABLE program allows individuals with disabilities to save money without losing federal benefits. Accounts can be used for qualified disability expenses, such as education, housing, transportation, and personal support. Missouri residents can open an ABLE account if they became disabled before age 26. Contributions are limited to $18,000 per year, and account balances do not affect SSI or Medicaid eligibility.
| Program | 2025 Income Limit (Single) | |---------|---------------------------| | SSI | $967/month | | SSDI | No strict limit, but SGA applies | | Medicaid (Aged/Disabled) | $13,303/year | | Medicaid (Blind) | $15,650/year |
You must report any changes in income, work, or living situation to avoid overpayments. If you earn more than the SGA limit ($1,620/month for non-blind, $2,700/month for blind), your benefits may be reduced or stopped. Overpayments can result in repayment demands, so report changes promptly. Use the SSA online portal or contact your local office to report changes.
A disability lawyer can help you with your application, especially if you have a complicated case or have been denied. Many lawyers work on a contingency basis, so you only pay if you win.
Social Security benefits and rules change each year. Stay up to date by checking the SSA website and your local Department of Social Services.
Yes, Deafness can qualify for SSDI or SSI if it meets Social Security's definition of disability. You must provide medical evidence and meet work or income requirements. Contact SSA for details.
The maximum SSDI payment in Missouri in 2025 is about $4,555 per month. Most people receive less, based on their work history. SSI pays up to $967 per month.
Medicaid waivers in Missouri provide home and community-based services for individuals with disabilities. These waivers cover personal care, respite care, and assistive technology.
Yes, you can work, but your earnings must be below the SGA limit. In 2025, the SGA limit is about $1,620/month for non-blind and $2,700/month for blind individuals.
The MO ABLE program allows individuals with disabilities to save money without losing federal benefits. Accounts can be used for qualified disability expenses.
You can apply online at ssa.gov, by phone, or in person at a Social Security office. Gather medical records and work history 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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If denied, you can appeal within 60 days. The appeals process includes reconsideration, a hearing, and review by the Appeals Council.
A lawyer is not required, but can help with complex cases or appeals. Many lawyers work on a contingency basis.
Yes, children with Deafness may qualify for SSI or as a dependent on a parent's record. Contact SSA for details.
Report changes online at ssa.gov, by phone, or in person. Changes include income, work, or living situation.
