If you have arthritis in Montana, you may qualify for federal disability benefits like SSI and SSDI, as well as state programs such as Medicaid for Workers with Disabilities. This guide explains eligibility, how to apply, and key resources for Montana residents.
To qualify for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) with arthritis, your condition must meet Social Security Administration (SSA) criteria. Generally, you need a diagnosis that severely limits your ability to work for at least 12 months. For SSDI, you must have worked enough to earn 40 credits, with 20 earned in the last 10 years. SSI is for those with limited income and resources, regardless of work history. Arthritis is listed under SSA’s Blue Book under Section 14.09 (Inflammatory Arthritis) and Section 1.04 (Disorders of the Spine) if it affects mobility or daily activities. You must provide medical evidence, such as doctor’s notes, imaging, and treatment records, to support your claim. [^1]
Montana does not have a separate state disability program, but residents can access Medicaid for Workers with Disabilities (MWD). This program allows people with disabilities to work and earn more without losing Medicaid coverage. Eligibility is based on having a qualifying disability, being employed, and meeting income and asset limits. The MWD program uses a sliding fee scale based on net-countable income. You must apply through your local Office of Public Assistance. Montana also offers grants for people with disabilities, which can help with equipment or home modifications. These grants may be available through state agencies or nonprofit partners. [^2][^4]
ABLE accounts let people with disabilities save money without losing SSI or Medicaid benefits. Montana residents can open an ABLE account through the state’s ABLE program. Funds can be used for qualified disability expenses, including medical costs, housing, and education. [^3]
For SSI, the federal income limit is $943/month for an individual in 2025. For SSDI, there is no strict income limit, but you must not be able to do substantial gainful activity (SGA). For Medicaid for Workers with Disabilities, eligibility is based on net-countable income and a sliding fee scale. [^1][^2]
You must report changes in income, health, or living situation to avoid overpayments. Overpayments can result in repayment or loss of benefits. Report changes to Social Security and Medicaid promptly. [^1][^2]
Contact your local Social Security office or Office of Public Assistance for help with your application. Disability advocates can also assist with the process.
Yes, if your arthritis meets Social Security’s criteria for disability. You must show that it severely limits your ability to work for at least 12 months. Medical evidence is required. [^1]
You can apply for SSDI or SSI online, by phone, or at a local Social Security office. For Medicaid for Workers with Disabilities, contact your local Office of Public Assistance. [^1][^2]
It’s a program that lets people with disabilities work and earn more without losing Medicaid coverage. Eligibility is based on income and a sliding fee scale. [^2]
Yes, Montana offers grants for disability-related expenses like equipment or home modifications. These may be available through state agencies or nonprofit partners. [^4]
You can use programs like Medicaid for Workers with Disabilities or work incentives to keep benefits while working. Report changes in income to avoid overpayments. [^2]
You need doctor’s notes, imaging, treatment records, and details on how arthritis affects your daily life and work. [^1]
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, if you qualify for SSDI, you may get Medicaid through the Medicaid for Workers with Disabilities program or other state programs. [^2]
It can take 3–6 months for a decision. Providing complete medical evidence can help speed up the process. [^1]
You can appeal the decision. Ask for a reconsideration or a hearing. You may want to get help from a disability advocate or attorney. [^1]
Yes, Montana residents can open an ABLE account to save for disability expenses without losing SSI or Medicaid benefits. [^3]
