Montana offers several benefits for people with rheumatoid arthritis, including federal disability programs, Medicaid for Workers with Disabilities, and state support services. This guide explains eligibility, how to apply, and where to get help.
To qualify for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) with rheumatoid arthritis, your condition must meet Social Security Administration (SSA) criteria. Generally, you need a diagnosis that severely limits your ability to work and is expected to last at least 12 months. For SSDI, you must have earned enough work credits (usually 40, with 20 in the last 10 years). SSI is for those with limited income and resources, regardless of work history. Both programs require medical evidence showing your arthritis causes significant limitations in daily activities and work.
SSA Disability Qualifications (accessed 2025-11-06)
In Montana, people with rheumatoid arthritis may qualify for additional state programs. The Medicaid for Workers with Disabilities (MWD) program allows individuals to earn more while keeping Medicaid coverage, as long as their net-countable income is within program limits. Eligibility is determined by the Montana Department of Public Health and Human Services. You must have a disability that meets SSA criteria and be working or able to work. The MWD program uses a sliding fee scale based on income. Other state services include pre-employment transition, independent living, and developmental disability programs.
Montana Medicaid for Workers with Disabilities (accessed 2025-11-06)
Montana Disability Determination Services (accessed 2025-11-06)
Montana Social Security Offices (accessed 2025-11-06)
Montana Medicaid for Workers with Disabilities (accessed 2025-11-06)
Montana Disability Determination Services (accessed 2025-11-06)
SSA Disability Benefits (accessed 2025-11-06)
Montana Medicaid for Workers with Disabilities (accessed 2025-11-06)
Montana Department of Public Health and Human Services (accessed 2025-11-06)
Montana Long-Term Disability Insurance (accessed 2025-11-06)
ABLE accounts let people with disabilities save money without losing eligibility for SSI or Medicaid. Montana residents can open an ABLE account through the state’s ABLE program. Funds can be used for disability-related expenses like medical care, education, and housing.
Montana ABLE Accounts (accessed 2025-11-06)
For SSI, the federal income limit is $943 per month for an individual in 2025. For Medicaid for Workers with Disabilities, the income limit is based on a sliding fee scale. You can earn more than the SSI limit and still qualify for MWD if your net-countable income is within program limits.
SSA SSI Limits (accessed 2025-11-06)
Montana Medicaid for Workers with Disabilities (accessed 2025-11-06)
If your income or health changes, you must report it to the SSA and Medicaid. Failure to report can result in overpayments and penalties. Keep records of all changes and report them as soon as possible.
SSA Reporting Changes (accessed 2025-11-06)
Montana Medicaid Reporting (accessed 2025-11-06)
Contact your local Social Security office or Office of Public Assistance for help with your application. They can answer questions and guide you through the process.
Yes, if your rheumatoid arthritis meets Social Security criteria and limits your ability to work. You can apply for SSDI or SSI through the SSA. Montana also has state programs for people with disabilities.
Contact your local Office of Public Assistance to apply for Medicaid for Workers with Disabilities. You will need to provide proof of income and disability. Premiums are based on a sliding fee scale.
You need medical records showing your diagnosis, treatment, and how rheumatoid arthritis affects your daily life and ability to work. Include doctor’s notes, test results, and treatment history.
Yes, Montana’s Medicaid for Workers with Disabilities program allows you to work and earn more while keeping Medicaid coverage. SSDI and SSI also have work incentives.
The federal SSI income limit is $943 per month for an individual in 2025. Montana does not have a separate SSI income limit.
It usually takes 3 to 5 months to get a decision on a disability claim. The process may take longer if more medical evidence is needed.
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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Montana offers pre-employment transition, independent living, and developmental disability programs. These services help with employment, home modifications, and daily living.
Yes, Montana’s independent living services may help with minor home modifications. Grants for equipment and modifications are sometimes available through state programs.
Yes, you must report changes in income, health, or living situation to the SSA and Medicaid. Failure to report can result in overpayments and penalties.
An ABLE account lets you save money for disability-related expenses without losing eligibility for SSI or Medicaid. Montana residents can open an ABLE account through the state’s program.
