People with arthritis in New York can access federal and state disability benefits, including SSI, SSDI, Medicaid waivers, and ABLE accounts. This guide explains eligibility, how to apply, and key programs for 2025.
Arthritis can qualify for federal disability benefits if it severely limits your ability to work. The Social Security Administration (SSA) uses a five-step process to decide if your arthritis meets their definition of disability. You must have a medical condition that prevents you from doing substantial work and is expected to last at least 12 months or result in death. SSA looks at your age, education, work history, and how your arthritis affects your daily activities and ability to work. If approved, you may receive monthly payments through SSI or SSDI, depending on your work history and income. SSI is for people with limited income and resources, while SSDI is for those who have worked and paid Social Security taxes. Both programs have strict rules about income, assets, and reporting changes.
In New York, people with arthritis may qualify for Medicaid waivers that provide home and community-based services, such as personal care, home modifications, and respite care. These waivers help people with disabilities live independently. New York also offers the ABLE account program, which lets people with disabilities save money without losing SSI or Medicaid benefits. To qualify for state programs, you must meet income and asset limits and have a qualifying disability. New York’s Medicaid program covers many arthritis treatments, including medications, physical therapy, and assistive devices. You may also qualify for other state benefits, such as transportation assistance and vocational rehabilitation. Reporting changes in your condition or income is important to keep your benefits.
Source: SSA.gov Source: Medicaid.gov Source: ABLE.gov
Source: NY.gov Source: NYABLE.org Source: NY.gov Source: NY.gov Source: NY.gov
ABLE accounts let people with disabilities save money for disability-related expenses without losing SSI or Medicaid benefits. In New York, you can open an ABLE account through NYABLE.org. The account has annual and lifetime contribution limits. Funds can be used for things like medical care, education, housing, and transportation. Withdrawals for qualified expenses are tax-free.
SSI has strict income and asset limits. In 2025, the federal SSI limit is $967 per month for an individual and $1,450 for a couple. SSDI has no asset limit, but there are income rules. Medicaid and Medicaid waivers also have income and asset limits. ABLE accounts have annual and lifetime contribution limits. Reporting changes in income or assets is important to avoid overpayments.
Source: SSA.gov Source: NY.gov
You must report changes in your condition, income, or living situation to avoid overpayments. Overpayments can result in repayment demands or loss of benefits. Report changes as soon as possible to the SSA or your state agency. Keep records of all reports and correspondence. Seek help from a disability advocate if you have questions.
Contact a disability advocate or legal aid for help with applications and appeals. They can guide you through the process and answer your questions.
Yes, arthritis can qualify for SSI or SSDI if it severely limits your ability to work. You must meet SSA’s disability criteria and provide medical evidence. New York also offers Medicaid waivers and ABLE accounts for people with disabilities.
SSI is for people with limited income and resources, while SSDI is for those who have worked and paid Social Security taxes. Both programs provide monthly payments, but eligibility rules differ. See our SSI vs SSDI guide for more details.
Contact your local Department of Social Services to apply for Medicaid waivers. They will help you determine eligibility and complete the application. Medicaid waivers provide home and community-based services for people with disabilities.
An ABLE account is a tax-advantaged savings account for disability-related expenses. In New York, you can open an ABLE account through NYABLE.org. Funds can be used for things like medical care, education, housing, and transportation.
SSI has strict income and asset limits. In 2025, the federal SSI limit is $967 per month for an individual. SSDI has no asset limit, but there are income rules. Medicaid and Medicaid waivers also have income and asset limits.
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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Report changes in your condition, income, or living situation as soon as possible to the SSA or your state agency. Overpayments can result in repayment demands or loss of benefits. Keep records of all reports and correspondence.
Medicaid in New York covers many arthritis treatments, including medications, physical therapy, and assistive devices. Check with your Medicaid provider for a full list of covered services.
Yes, you can work while receiving disability benefits, but there are income limits. SSI and SSDI have work incentives that help you keep benefits while working. See our SSI & SSDI Work Incentives guide for more details.
If your disability benefits are denied, you can appeal the decision. The process includes requesting a reconsideration, a hearing, and, if necessary, further appeals. Seek help from a disability advocate or legal aid if needed.
Yes, New York offers transportation assistance programs for people with disabilities, including help getting to medical appointments and other essential services. Contact your local Department of Social Services for more information.
