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Montana • Chronic Illness
If you have heart disease in Montana, you may qualify for federal disability benefits (SSI/SSDI), state Medicaid, and work incentives. This guide explains eligibility, how to apply, and key programs.
To qualify for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) with heart disease, your condition must meet Social Security’s definition of disability. This means your heart disease must be severe enough to prevent you from doing substantial work and is expected to last at least 12 months or result in death. You must also meet work history requirements for SSDI (usually 40 credits, 20 in the last 10 years) or income/asset limits for SSI. Social Security uses a medical guide called the Blue Book to evaluate heart conditions. If your condition matches or equals a listing, you may qualify for benefits [4].
In Montana, people with heart disease may also qualify for state-specific programs. Montana Medicaid covers many heart disease treatments, including medications, doctor visits, and hospital care. The Medicaid for Workers with Disabilities (MWD) program lets people with disabilities, including heart disease, keep Medicaid coverage while working, as long as they meet income and disability requirements. The MWD program uses a sliding fee scale based on net-countable income. Montana also offers home and community-based services (HCBS) waivers for those who need long-term support. Eligibility for these programs is determined by the Montana Department of Public Health and Human Services (DPHHS) [3].
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 program. Funds can be used for qualified disability expenses, including medical care, housing, and education. Contributions are limited each year, and there are state tax benefits. For more information, visit the Montana ABLE account page [internal_link].
SSI has strict income and resource limits. In 2025, the federal SSI limit is $943 per month for an individual. Montana Medicaid has higher income limits, especially for the Medicaid for Workers with Disabilities program. The MWD program uses a sliding fee scale based on net-countable income, so you can earn more and still qualify for Medicaid. For exact limits, contact your local Office of Public Assistance.
If your income or condition changes, you must report it to Social Security and Medicaid to avoid overpayments. Overpayments can result in repayment demands and loss of benefits. Report changes as soon as possible. For help, see the guide on avoiding overpayments and reporting changes [internal_link].
Contact Disability Rights Montana or your local Office of Public Assistance for free help with disability applications and advocacy.
Yes, heart disease can qualify for SSI or SSDI if it meets Social Security’s disability criteria. You must show that your condition prevents you from working and is expected to last at least 12 months or result in death. Medical records are required.
You can apply for SSDI or SSI online at ssa.gov, by phone, or at a Social Security office. You will need medical records and work history. Montana Disability Determination Services will review your medical evidence.
Yes, Montana has work incentives like the Medicaid for Workers with Disabilities program. You can keep Medicaid while working, and SSDI has trial work periods and other incentives to help you return to work.
You need medical records from your doctors, including test results, treatment history, and notes on how your heart disease affects your ability to work. Social Security will review this evidence to decide your claim.
Most disability claims in Montana take 3 to 6 months for an initial decision. If you appeal, it can take longer. You can check the status of your claim online or by phone.
Montana Medicaid covers doctor visits, hospital care, medications, and long-term supports for people with heart disease. It may also cover home health care and personal assistance services.
Disclaimer: This guide is for informational purposes only. Always check with official agencies for the most current rules and eligibility.
Yes, Disability Rights Montana and Montana Legal Services Association offer help with disability applications. They can provide legal advice and advocacy for people with disabilities.
The Medicaid for Workers with Disabilities program lets people with disabilities keep Medicaid while working. You pay a cost-share based on your income, so you can earn more without losing coverage.
Some grants are available for people with disabilities in Montana, including for equipment and home modifications. Check with local nonprofits and the Montana Aging and Disability Resource Center for current opportunities.
Report changes in income, work, or medical condition to Social Security and Medicaid as soon as possible. You can report online, by phone, or in person to avoid overpayments and loss of benefits.
