Multiple Sclerosis Benefits in Missouri: 2025 Guide

To qualify for Social Security Disability Insurance (SSDI), you must have worked and paid Social Security taxes, and have a disability that meets Social Security’s definition. For Multiple Sclerosis, you must show your condition causes severe limitations in daily activities and work. You generally need 40 work credits, with 20 earned in the last 10 years. Supplemental Security Income (SSI) is for people with limited income and resources, regardless of work history. Both programs require medical proof of disability and ongoing review of your condition.

• SSDI: Paid based on your work record and earnings.
• SSI: Paid based on financial need.
• Both programs require you to report changes in income, health, or living situation.

Learn more about federal eligibility

Citations: [1]

In Missouri, people with Multiple Sclerosis may also qualify for state-specific programs. Missouri Medicaid covers medical care for those with disabilities who meet income limits. The MO ABLE Program lets you save money without losing benefits. Missouri also offers Medicaid waivers for home and community-based services (HCBS), which can help with home care, therapy, and more. To qualify for these programs, you must meet both federal and state requirements, including income and asset limits.

• Medicaid: Must meet income and asset limits.
• MO ABLE: Must have a qualifying disability before age 26.
• Medicaid Waivers: Must meet clinical and financial criteria.

Learn more about Missouri Medicaid

Citations: [2]

• Gather medical records and work history.
• Check if you meet federal and state income limits.
• Apply online at SSA.gov or in person at a Social Security office.
• Apply for Medicaid through MO HealthNet.
• Consider an ABLE account for savings.

Start here: SSA Apply Online

Citations: [1]

• Step 1: Collect all medical records, including doctor’s notes, test results, and treatment plans for Multiple Sclerosis.
• Step 2: Review federal eligibility for SSDI or SSI. SSDI requires work credits; SSI requires low income and resources.
• Step 3: Apply online at SSA.gov, by phone, or in person at a Social Security office. You will need to provide personal, medical, and work information.
• Step 4: If approved for SSDI or SSI, you may also qualify for Medicaid. Apply through MO HealthNet online or at your local Family Support Division office.
• Step 5: If you want to save money without losing benefits, open an MO ABLE account.
• Step 6: Report any changes in income, health, or living situation to avoid overpayments.

Apply for SSDI/SSI Apply for MO HealthNet Open MO ABLE Account

Citations: [1][2][3]

• Social Security Disability Insurance (SSDI): Monthly payments based on your work history. In 2025, the maximum payment is about $3,917 per month.
• Supplemental Security Income (SSI): Monthly payments for people with low income and resources. In 2025, the federal SSI payment is about $943 per month.
• Medicare: Health insurance for people with disabilities after 24 months of SSDI.
• Medicaid: Health coverage for people with disabilities who meet income limits.

Learn more about federal programs

Citations: [1]

• Missouri Medicaid: Covers medical care for people with disabilities who meet income limits. In 2025, the income limit for a single person is about $13,303 per year.
• MO ABLE Program: Lets you save up to $18,000 per year without losing federal benefits. Must have a qualifying disability before age 26.
• Medicaid Waivers (HCBS): Provides home and community-based services for people with disabilities. Includes personal care, therapy, and more.
• State Children’s Health Insurance Program (SCHIP): For children with disabilities.

Learn more about Missouri Medicaid Learn more about MO ABLE Learn more about Medicaid Waivers

Citations: [2][3][4]

The MO ABLE Program lets people with disabilities save money without losing federal benefits. You can save up to $18,000 per year. To qualify, you must have a qualifying disability before age 26. Funds can be used for housing, education, transportation, and more. Open an account online at the MO ABLE website.

Open MO ABLE Account

Citations: [3]

| Program | 2025 Income Limit (Single) | |---------|---------------------------| | Missouri Medicaid | $13,303 per year | | MO ABLE | $18,000 per year | | SSDI | No income limit, but earnings above SGA may affect benefits | | SSI | $943 per month |

Citations: [2][3]

You must report changes in income, health, or living situation to avoid overpayments. If you get too much money, you may have to pay it back. Report changes online, by phone, or in person. Keep records of all reports.

Learn more about reporting changes

Citations: [1]

• Social Security Administration
  Phone: 1-800-772-1213

  TTY: 1-800-325-0778

  Hours: 8:00 AM - 7:00 PM

  Website

  For questions about SSDI, SSI, and reporting changes.
• Missouri Department of Social Services
  Phone: 1-855-373-9994

  Hours: 8:00 AM - 5:00 PM

  Website

  For questions about Medicaid, MO ABLE, and state benefits.

• What is the difference between SSDI and SSI?

  SSDI is based on your work history and Social Security taxes paid. SSI is for people with low income and resources, regardless of work history. Both programs help people with disabilities, but eligibility rules are different.

• How much does disability pay in Missouri in 2025?

  In 2025, the maximum SSDI payment is about $3,917 per month. The federal SSI payment is about $943 per month. Missouri Medicaid income limits are about $13,303 per year for a single person.

• Can I work while getting disability benefits?

  Yes, you can work, but there are limits. In 2025, the Substantial Gainful Activity (SGA) limit is about $1,620 per month for non-blind individuals. Earning above this may affect your benefits.

• What is the MO ABLE Program?

  The MO ABLE Program lets people with disabilities save money without losing federal benefits. You can save up to $18,000 per year. Funds can be used for housing, education, transportation, and more.

• How do I apply for Medicaid in Missouri?

  You can apply for Medicaid in Missouri online at MO HealthNet, by phone, or in person at your local Family Support Division office. You will need to provide income and asset information.

• What are Medicaid waivers in Missouri?

  Medicaid waivers in Missouri provide home and community-based services for people with disabilities. These services can include personal care, therapy, and more. You must meet clinical and financial criteria to qualify.