People in Montana with a spinal cord injury can access federal disability benefits like SSI and SSDI, plus state programs for Medicaid, employment, and independent living. This guide explains eligibility, how to apply, and key resources.
To qualify for Social Security Disability Insurance (SSDI), you generally need 40 work credits, with 20 earned in the last 10 years before your disability began. For Supplemental Security Income (SSI), eligibility is based on limited income and resources, and you must meet Social Security’s definition of disability. Both programs require medical evidence showing your spinal cord injury prevents you from doing substantial work. The Social Security Administration uses strict criteria to decide if your condition qualifies as a disability [^1].
If you have a spinal cord injury, your medical records must show how your condition limits your ability to work. The SSA will review your diagnosis, treatment, and how your injury affects daily activities and work skills [^1].
In Montana, people with spinal cord injuries may qualify for Medicaid for Workers with Disabilities (MWD). This program lets you keep Medicaid coverage even if you earn more than usual, as long as your net-countable income is within the program’s limits. You pay a cost-share based on a sliding fee scale. MWD helps people with disabilities work without losing healthcare coverage, which is important for those needing ongoing care after a spinal cord injury [^2].
Montana also offers vocational rehabilitation, independent living services, and long-term disability insurance for state employees. These programs support people with spinal cord injuries to find jobs, live independently, and manage daily needs [^3].
ABLE accounts let people with disabilities save money for disability-related expenses without losing SSI or Medicaid benefits. You can save up to $17,000 per year in 2025. Funds can be used for things like medical care, housing, education, and transportation. Montana residents can open an ABLE account through the state’s program [^3].
For SSI, the federal income limit is $943 per month for an individual in 2025. For Medicaid for Workers with Disabilities, your net-countable income must be within the program’s limits, which are based on a sliding fee scale. Work incentives may let you earn more without losing benefits [^1][^2].
If your income or health changes, you must report it to Social Security and Medicaid. Not reporting changes can lead to overpayments and penalties. Keep records of all payments and changes, and report them as soon as possible to avoid problems [^6].
Contact Montana Disability Determination Services or your local Office of Public Assistance for help with applications and eligibility questions.
People with spinal cord injuries in Montana can apply for Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). SSDI is for those who worked and paid Social Security taxes; SSI is for those with limited income and resources. Both require medical proof of disability [^1].
To apply for Medicaid for Workers with Disabilities (MWD), contact your local Office of Public Assistance. They will help you apply and determine your eligibility based on income and disability status. You can keep Medicaid coverage while working, with a cost-share based on income [^2].
Yes, Montana’s Medicaid for Workers with Disabilities program lets you keep Medicaid coverage while working. Work incentives also let you earn income without losing SSI or SSDI benefits. Report any changes in income to avoid overpayments [^2][^6].
The federal income limit for SSI is $943 per month for an individual in 2025. Montana does not have a separate SSI income limit. Work incentives may let you earn more without losing benefits [^1].
Yes, Montana offers independent living services to help people with disabilities live on their own and participate in the community. These services include skills training, peer support, and help with daily living tasks [^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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An ABLE account lets people with disabilities save money for disability-related expenses without losing SSI or Medicaid benefits. You can save up to $17,000 per year in 2025. Funds can be used for medical care, housing, education, and transportation [^3].
You must report changes in income or health to Social Security and Medicaid as soon as possible. Not reporting changes can lead to overpayments and penalties. Keep records of all payments and changes, and report them to avoid problems [^6].
Montana offers vocational rehabilitation and independent living services to help people with spinal cord injuries find jobs, get training, and live independently. These programs can help you return to work and manage daily needs [^3].
State employees in Montana can get long-term disability insurance through their employer. This insurance provides income if you can’t work due to disability. Check with your employer for details [^5].
You need medical records showing your spinal cord injury, treatment, and how it affects your ability to work. The Social Security Administration will review your diagnosis, treatment, and how your injury limits daily activities and work skills [^1].
