People with cystic fibrosis in New Jersey may qualify for federal and state disability benefits, including SSDI, SSI, Temporary Disability Insurance (TDI), and Medicaid. These programs help cover medical costs, lost wages, and daily living needs. This guide explains eligibility, how to apply, and where to get help.
To qualify for Social Security Disability Insurance (SSDI), you must have a medical condition that prevents you from working and have earned enough work credits. In 2025, you earn one credit for every $1,730 in covered earnings, up to four per year. Most adults need 40 credits, with 20 earned in the 10 years before disability began. For Supplemental Security Income (SSI), you must have limited income and resources and meet Social Security’s definition of disability. Earnings above $1,550 per month (non-blind) usually disqualify you from SSDI, but special rules apply for people with cystic fibrosis who may need workplace accommodations or have reduced productivity[1].
New Jersey residents with cystic fibrosis may qualify for Temporary Disability Insurance (TDI) if they cannot work due to their condition. To be eligible, you must have worked 20 weeks earning at least $303 per week, or earned a combined total of $15,200 in the four quarters before taking leave. The maximum weekly benefit in 2025 is $1,081. TDI covers up to 26 weeks for serious health conditions. Workers and employers both contribute to TDI. In 2025, workers contribute 0.23% of wages up to $165,400, with a maximum contribution of $380.42[3][4][5].
ABLE accounts let people with cystic fibrosis save money for disability-related expenses without losing eligibility for SSI, Medicaid, or other benefits. You can use the funds for housing, education, transportation, and more. New Jersey offers ABLE accounts through the NJ ABLE program[1].
For SSI in 2025, the income limit is $943 per month for an individual and $1,415 for a couple. For TDI, you must have earned at least $303 per week for 20 weeks or $15,200 in the base year. Medicaid income limits vary by household size and program[1][5].
You must report changes in income, living situation, or medical condition to avoid overpayments. If you receive too much money, you may have to pay it back. Report changes to Social Security, Medicaid, and TDI as soon as possible[1].
Contact your local Social Security office or county welfare agency for free help with applications and appeals. Many organizations offer support for people with cystic fibrosis.
Yes, cystic fibrosis can qualify for SSDI if it severely limits your ability to work and you have enough work credits. You must provide medical evidence showing how your condition affects your daily life and work[1].
The maximum weekly benefit from New Jersey TDI in 2025 is $1,081. The actual amount depends on your earnings and how long you are unable to work[3][4].
Yes, you must have worked 20 weeks earning at least $303 per week, or earned $15,200 in the base year, to qualify for TDI in New Jersey[5].
Yes, people with cystic fibrosis may qualify for Medicaid if they have low income. Medicaid covers medical care, therapy, and other services for people with disabilities[1].
An ABLE account lets people with disabilities save money without losing benefits. New Jersey offers ABLE accounts for residents with cystic fibrosis and other qualifying disabilities[1].
You can apply for SSI online at SSA.gov, by phone, or in person at a Social Security office. You will need to provide proof of income, resources, and medical records[1].
This guide is for informational purposes only and is not legal or financial advice. Always consult with a qualified professional for personalized guidance.
Join thousands of families who trust Purple to protect their benefits
Purple is a financial technology company, not a bank. Banking services are provided by OMB Bank, Member FDIC.
SSDI is based on work history and Social Security taxes paid. SSI is based on financial need and is for people with low income and resources. Both programs help people with cystic fibrosis who cannot work[1].
Yes, New Jersey Family Leave Insurance (FLI) provides up to 12 weeks of paid leave to care for a family member with a serious health condition, including cystic fibrosis[4][5].
Yes, you must report changes in income, living situation, or medical condition to avoid overpayments. Report changes to Social Security, Medicaid, and TDI as soon as possible[1].
You can get help from your local Social Security office, county welfare agency, or disability advocacy organizations. Many agencies offer free assistance with applications and appeals[1].
