People in Montana with amputation may qualify for federal disability benefits like SSI and SSDI, as well as state programs such as Medicaid for Workers with Disabilities. These benefits help cover medical care, assistive devices, and support for employment.
To qualify for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) after amputation, you must meet federal criteria set by the Social Security Administration (SSA). SSDI requires a work history and enough Social Security credits, usually 40 credits with 20 earned in the last 10 years before disability onset. SSI is for those with limited income and resources, regardless of work history. Amputation of both hands, one or both legs above the knee, or other severe cases may automatically meet the SSA’s disability listing for amputation. If not, SSA will review your medical records and how your amputation limits your ability to work. All decisions are based on objective medical evidence and federal rules [^1].
In Montana, people with amputation may also qualify for state-specific programs. The Medicaid for Workers with Disabilities (MWD) program allows those who work to keep Medicaid coverage by paying a cost-share based on net income. This helps people with amputation who want to work but need ongoing healthcare. Eligibility for MWD is determined by local Office of Public Assistance staff and depends on individual circumstances. Montana’s Department of Public Health and Human Services also offers support for employment, independent living, and assistive technology. These services help people with amputation live independently and participate in the workforce [^2][^3].
These programs are available nationwide and can help people with amputation cover medical costs, assistive devices, and support for employment [^1][^4].
These programs are run by the Montana Department of Public Health and Human Services and local agencies. They help people with amputation live independently and participate in the workforce [^2][^3].
An ABLE account lets people with disabilities save money without losing eligibility for SSI, Medicaid, and other benefits. Montana residents with amputation can open an ABLE account if their disability started before age 26. Funds can be used for disability-related expenses like assistive devices, housing, and education. Learn more about Montana ABLE accounts and eligibility at the official ABLE website [^5].
For SSI, the federal income limit in 2025 is $943 per month for an individual and $1,415 for a couple. Some income, like the first $85 of earned income, is not counted. For Medicaid for Workers with Disabilities, eligibility is based on net-countable income and a sliding fee scale. Contact your local Office of Public Assistance for details on income limits and how they affect your benefits [^2].
If your income or health changes, you must report it to avoid overpayments. This includes changes in work, earnings, or living situation. Overpayments can result in repayment demands or loss of benefits. Learn how to report changes and avoid overpayments in Montana at the official SSA and Medicaid websites [^6].
Contact Montana Disability Determination Services for free help with your application. They can answer questions and guide you through the process.
Montana’s Medicaid for Workers with Disabilities program lets you keep Medicaid coverage while working, so you can earn more without losing healthcare.
Yes, amputation can qualify for federal disability benefits like SSI and SSDI if it meets Social Security criteria. Severe cases, such as amputation of both hands or legs above the knee, may automatically qualify. Less severe cases are reviewed based on medical evidence and work history.
Medicaid for Workers with Disabilities (MWD) lets people with disabilities who work keep Medicaid coverage by paying a cost-share based on income. This helps those with amputation who want to work but need ongoing healthcare.
You can apply for SSI or SSDI online at SSA.gov, by phone, or in person at a Social Security office. For Medicaid for Workers with Disabilities, contact your local Office of Public Assistance. Montana Disability Determination Services can help with your application.
You need medical records showing your amputation and its impact, such as doctor’s notes, surgery reports, and rehabilitation plans. You may also need proof of income, work history, and identification.
Yes, Montana’s Medicaid for Workers with Disabilities program allows people with disabilities to work and keep Medicaid coverage. SSI and SSDI also have work incentives to help you try working without losing benefits.
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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Yes, Montana’s Department of Public Health and Human Services offers programs for assistive technology, including equipment and minor home modifications for people with disabilities like amputation.
An ABLE account lets people with disabilities save money without losing eligibility for SSI, Medicaid, and other benefits. Montana residents with amputation can open an ABLE account if their disability started before age 26.
The time varies, but most initial decisions take 3–6 months. Montana Disability Determination Services reviews your medical evidence and may ask for more information. Respond promptly to avoid delays.
If your claim is denied, you can appeal the decision. Montana Disability Determination Services can help you understand the appeal process and what documents you need.
Yes, you must report changes in income, work, or health to avoid overpayments. This includes changes in earnings, living situation, or medical condition. Reporting changes helps protect your benefits.
