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Montana • Chronic Illness
People in Montana with Myalgic Encephalomyelitis (ME) 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.
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 need enough work credits (usually 20 in the last 10 years) and a qualifying disability. SSI is for people with limited income and resources, regardless of work history. Myalgic Encephalomyelitis (ME) is recognized as a disabling condition if it meets Social Security’s criteria for severity and duration. Decisions are based on medical evidence and federal rules, not state laws[1].
In Montana, eligibility for disability programs is determined using federal criteria. The Montana Disability Determination Services (DDS) reviews medical evidence to decide if your ME meets federal standards for disability. Montana also offers Medicaid for Workers with Disabilities (MWD), which allows people with disabilities to work and earn more while keeping Medicaid coverage. Eligibility is based on your net-countable income and disability status. You must apply through your local Office of Public Assistance for MWD, and decisions are made on an individual basis[2].
An ABLE account lets people with disabilities save money without losing eligibility for SSI or Medicaid. In Montana, you can open an ABLE account to pay for disability-related expenses. Contributions are limited, and there are tax benefits. Learn more about ABLE accounts and how to open one[3].
For SSI, the income limit is set by federal law and changes each year. For Medicaid for Workers with Disabilities in Montana, eligibility is based on net-countable income, with a sliding fee scale. Higher income may mean higher premiums, but you can still qualify for coverage[2].
If your income or living situation changes, you must report it to avoid overpayments. This includes changes in work, income, or living arrangements. Reporting changes helps ensure you get the right amount of benefits and avoid penalties[5].
Contact Montana Disability Determination Services or your local Social Security office for help with your application. They can guide you through the process and answer your questions.
Yes, if your ME is severe enough to prevent you from working for at least 12 months, you may qualify for SSI or SSDI. Montana uses federal criteria to decide eligibility, so your medical records must show how ME limits your ability to work[1][5].
You can apply online at ssa.gov, by phone, or in person at a Social Security office. You will need medical records and information about your work history and income. For Medicaid for Workers with Disabilities, visit your local Office of Public Assistance[1][2].
This program lets people with disabilities work and earn more while keeping Medicaid coverage. Eligibility is based on net-countable income and disability status. You must apply through your local Office of Public Assistance[2].
Yes, Montana’s Medicaid for Workers with Disabilities program allows you to work and earn more while keeping Medicaid. SSI and SSDI also have work incentives that let you test your ability to work without losing benefits[2][5].
You will need medical records showing your ME diagnosis and how it affects your ability to work. You may also need proof of income, work history, and identification. For Medicaid for Workers with Disabilities, bring proof of employment and income[1][2].
Disclaimer: This guide is for informational purposes only. Always check with official agencies for the most current information and eligibility requirements.
The process can take several months. Montana DDS reviews your medical evidence and may ask for more information. You can check the status of your application online or by phone[1].
If your application is denied, you can appeal the decision. You have 60 days to file an appeal. You may need to provide more medical evidence or attend a hearing[1].
Yes, Montana offers support for home modifications through statewide independent living services. These programs can help with equipment and minor home changes to make living easier for people with disabilities[3].
Yes, ABLE accounts let people with disabilities save money without losing eligibility for SSI or Medicaid. Montana residents can open an ABLE account to pay for disability-related expenses[3].
You must report changes in income to avoid overpayments. This includes changes in work, income, or living arrangements. Reporting changes helps ensure you get the right amount of benefits[5].
