People with aphasia in Montana can access federal disability benefits like SSI and SSDI, state Medicaid programs, and work incentives. This guide explains eligibility, how to apply, and key resources for Montana residents.
To qualify for federal disability benefits like SSI or SSDI, you must have a medical condition that prevents you from working for at least 12 months. For SSDI, you generally need 40 work credits, with 20 earned in the last 10 years before your disability began. SSI is for people with limited income and resources, regardless of work history. Aphasia must be severe enough to stop you from doing substantial work. Decisions are based on medical evidence and Social Security rules[3].
In Montana, people with aphasia may qualify for Medicaid for Workers with Disabilities (MWD) if they are employed and meet income and disability requirements. The MWD program lets you 'buy-in' to Medicaid with a sliding fee based on your net-countable income. You must have a disability that meets Social Security’s definition and be able to work. Eligibility is determined by the Montana Office of Public Assistance and must be reviewed individually[2].
ABLE accounts let people with disabilities save money without losing SSI or Medicaid benefits. Montana residents with aphasia can open an ABLE account if their disability started before age 26. Funds can be used for disability-related expenses like therapy, equipment, or education[ABLE Accounts].
For SSI, the federal income limit is $943/month in 2025 for an individual. Montana Medicaid for Workers with Disabilities uses a sliding scale based on net-countable income. Your local Office of Public Assistance can help you figure out your limits[2].
If your income or work status changes, you must report it to Social Security and Medicaid. Not reporting changes can lead to overpayments and loss of benefits. Keep records of all changes and report them as soon as possible[Avoiding Overpayments & Reporting Changes].
Contact your local Social Security office or Office of Public Assistance for help with your application. They can guide you through the process and answer your questions.
Yes, if your aphasia is severe enough to stop you from working for at least 12 months, you may qualify for SSI or SSDI. You must meet Social Security’s medical and work requirements[3].
This Montana program lets people with disabilities who work keep Medicaid coverage by paying a monthly premium based on income. It helps people with aphasia stay employed without losing health benefits[2].
You can apply for SSI or SSDI at a Social Security office or online. For Medicaid for Workers with Disabilities, contact your local Office of Public Assistance[2][3].
Yes, Montana has work incentives that let you keep benefits while working. The Medicaid for Workers with Disabilities program is one example[2].
You need records from your doctor showing your aphasia diagnosis and how it affects your ability to work. Include test results, therapy notes, and any other relevant documents[3].
Most disability decisions take 3–6 months. You can check your status online or by calling Social Security[3].
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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You can appeal the decision. Ask for a reconsideration and submit more medical evidence if needed[3].
Yes, local agencies like the Disability Employment and Transitions Division can help you with the process[1].
Some grants are available for disability-related expenses like equipment or home modifications. Check with local nonprofits or state agencies for current programs[4].
Report changes to Social Security and Medicaid as soon as possible. Not reporting can lead to overpayments and loss of benefits[Avoiding Overpayments & Reporting Changes].
