New Yorkers with amputation can access state and federal disability benefits like SSI, SSDI, Medicaid waivers, and ABLE accounts. This guide covers eligibility, how to apply, and key contacts for fast, accurate support.
To qualify for federal benefits like SSI/SSDI, amputation must meet the Social Security Administration’s (SSA) definition of disability. You must have a severe medical impairment expected to last at least 12 months or result in death, and for SSDI, sufficient work credits. Income and assets affect SSI eligibility.
New York offers Medicaid for low-income individuals with disabilities, often regardless of work history. For Medicaid waivers, you must need a nursing home level of care but choose to stay at home. For state-funded programs, consult your county Department of Social Services for local options. Amputation may also qualify you for assistive technology and vocational rehabilitation services through New York’s ACCES-VR (Adult Career and Continuing Education Services – Vocational Rehabilitation).
Start online: Check SSI/SSDI eligibility at SSA.gov. Apply for Medicaid: Visit the New York State of Health Marketplace. For local help: Contact your county Department of Social Services. Gather medical records proving your amputation and any related conditions. Prepare proof of income, assets, and identity.
Social Security offers two main programs for people with disabilities: SSI (Supplemental Security Income) provides monthly cash assistance if you have low income and limited assets. SSDI (Social Security Disability Insurance) is for those with a work history who have contributed to Social Security. Both programs require medical proof of a qualifying disability.**
New York Medicaid covers health care and long-term services for low-income residents with disabilities, often with higher income limits than regular Medicaid. Medicaid waivers fund services like personal care, home health aides, and home modifications so you can live independently. ACCES-VR (vocational rehabilitation) helps with job training, assistive devices, and employment placement. The NY ABLE program lets you save money for disability-related expenses without affecting SSI or Medicaid eligibility.**
New York’s ABLE account lets you save up to $100,000 without affecting SSI eligibility and up to $529,000 for other benefits. It’s a tax-advantaged way to pay for disability expenses, from housing to assistive technology. Visit nyable.org to enroll.
SSI has strict income and asset limits (e.g., $2,000 for an individual in 2025), but Medicaid in New York may have higher limits, especially for people with disabilities. Check current limits for your program at nystateofhealth.ny.gov.
If you receive too much SSI, SSDI, or Medicaid, you must report it and may have to repay. Notify SSA or New York immediately if your income, living situation, or condition changes. See our Avoiding Overpayments guide for details.
If you are in immediate need, contact your county Department of Social Services or call 211 for local resources. Disability Rights New York (drny.org) offers free legal help if you are denied benefits.
Benefit rules and income limits change yearly. Always check the official websites before applying, and report any changes in your situation as soon as they happen to avoid overpayments or benefit loss.
Yes, if your amputation prevents you from working for at least 12 months. You must meet SSA’s disability criteria and, for SSDI, have enough work credits. Medical documentation is essential.
SSI is based on financial need and disability; SSDI is for those with a work history. See our SSI vs SSDI guide for a detailed comparison.
Yes, but earnings must stay below the Substantial Gainful Activity (SGA) limit. New York’s Medicaid and SSI/SSDI have special rules for working with a disability. Explore work incentives and report all income.
Apply online at the NY State of Health Marketplace, by phone, or in person. Bring proof of disability, income, and identity. You may qualify even if your income is above the usual Medicaid limit.
A Medicaid waiver offers services like personal care, home modifications, and respite care so you can live at home instead of a nursing facility. Contact your county’s Department of Social Services to learn if you qualify.
A NY ABLE account lets you save for disability expenses without affecting SSI or Medicaid. Savings up to $100,000 are protected for SSI; higher limits apply for other benefits.
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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Visit your local Social Security office, call 1-800-772-1213, or use SSA.gov. For Medicaid, use the NY State of Health website or call 1-855-355-5777. Local organizations can also help.
You have the right to appeal. Contact Legal Aid or Disability Rights New York for help with the appeals process.
Yes, Medicaid, ACCES-VR, and Medicaid waivers may cover wheelchairs, prosthetics, and other devices. Check with each program for specifics.
Report changes in income, living situation, or medical condition right away to avoid overpayments or loss of benefits.
