New Yorkers with Chronic Obstructive Pulmonary Disease (COPD) can access federal disability benefits (SSI and SSDI), state Medicaid waivers, hospital care, and home health services. This guide explains eligibility, how to apply, and ways to manage income and benefits for better quality of life.
To qualify for federal disability benefits for COPD under SSI or SSDI, you must have a medical condition that meets Social Security's definition of disability, which usually requires proof that COPD significantly limits your ability to work and is expected to last at least 12 months or result in death[4]. SSI is for people with limited income and resources, while SSDI requires a work history with enough Social Security credits. For SSI, your monthly income and assets must be below federal limits. SSDI uses a work credit system—generally requiring 40 credits, with 20 earned in the last 10 years for younger workers. Children under 18 may qualify for SSI based on their own disability and family income. Adults disabled before age 22 can sometimes qualify on a parent's record if the parent is retired, disabled, or deceased[4].
New York does not have a state short-term disability program for non-job-related illness, and information about state-level programs specific to Chronic Obstructive Pulmonary Disease is limited. However, New York’s Medicaid program provides extensive coverage for doctor visits, hospital care, medicines, and home health supports. Medicaid waivers (HCBS) can help people with COPD stay in their homes. To get Medicaid in New York, you must meet income and resource limits, and if you receive SSI, you may be automatically enrolled. For health-related supports, New Yorkers should contact the New York State Department of Health for the latest Medicaid and waiver details.
Start here: If you have COPD and need help with medical costs or daily living, first apply for SSI or SSDI with Social Security. If you get SSI, you may automatically qualify for Medicaid. For Medicaid waivers, contact your local social services office. For Medicare, apply when you qualify or help is needed for home care.
1. Apply for Federal Disability Benefits
SSI and SSDI provide monthly cash benefits for people with COPD who can no longer work. SSI has strict income and asset limits, while SSDI is based on work credits and past earnings. Both can qualify you for Medicare after two years (24 months) on SSDI. Medicare covers hospital stays, doctor visits, and some prescriptions. For more, see [SSI vs SSDI][4].
New York Medicaid provides health coverage for low-income residents with disabilities. It covers doctor and specialist visits, hospital care, prescription medicines, medical equipment, home health aides, and more. Medicaid waivers (HCBS) can pay for services that help people stay at home, such as personal care aides, respite care, and medical equipment. These waivers often have waiting lists, so apply early. ABLE accounts are available in New York and help you save up to $18,000 per year without jeopardizing SSI or Medicaid. New York does not have a state short-term disability program for non-job-related illness, so federal programs and Medicaid are the main options for people with COPD. For all Medicaid and waiver questions, contact your local social services office or the NYS Department of Health.
ABLE accounts allow people with disabilities to save up to $18,000 per year (2025) without affecting SSI or Medicaid eligibility. ABLE savings can be used for disability-related expenses, including housing, transportation, health care, and more. Learn more about New York’s ABLE account options or visit the national ABLE National Resource Center for details.
SSI has strict income and asset limits. In 2025, the federal benefit rate is $943/month for an individual and $1,415/month for a couple. New York may supplement this. SSDI has no income or asset limits, but work credits are needed. Medicaid in New York uses income and asset rules that depend on your household and whether you get SSI.
If you get SSI, Medicaid, or other benefits, you must report any changes in your income, living situation, or health status. Failing to report can lead to benefit overpayments, which you must repay. Always keep records and respond promptly to letters from Social Security or your benefits office. See Avoiding Overpayments & Reporting Changes for important tips.
If you find the disability benefits process confusing or get a denial, contact local legal aid or advocacy groups. Many organizations in New York offer free help with Social Security and Medicaid applications, appeals, and reporting changes.
Learning new office skills can help with remote work opportunities, even with mobility or breathing limitations. Local nonprofits and Adult Career and Continuing Education Services (ACCES-VR) in New York offer free training and job coaching.
Yes, if your COPD prevents you from working for at least 12 months and meets Social Security’s definition of disability, you may qualify for SSI or SSDI. SSI is for people with limited income and assets, while SSDI requires a work history[4].
No. New York only has state disability benefits for job-related injuries. For non-work-related chronic illnesses like COPD, look to federal benefits (SSI/SSDI) and Medicaid or Medicaid waivers for support.
If you get SSI, you’re automatically eligible. Otherwise, apply online through NY State of Health, by phone, or at your local social services office. Be ready to provide proof of income, assets, and medical disability.
Medicaid waivers pay for services to help you stay at home rather than in a hospital or nursing home. These can include home health aides, medical equipment, therapy, and respite care. Apply through your local social services district.
Yes, both SSI and SSDI have work incentives that allow you to try part-time work while keeping benefits. Earnings limits apply, so report your income to avoid overpayments. See SSI & SSDI Work Incentives for details.
ABLE accounts let people with disabilities save money without losing SSI or Medicaid. You can use the funds for disability-related expenses. New York offers its own ABLE account program.
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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It can take several months to over a year, especially if your claim is denied and you appeal. Start early and gather all your medical evidence.
If you get SSDI, you’ll get Medicare after 24 months. With SSI, you may qualify for Medicaid immediately, which covers similar services in New York.
You have the right to appeal. Many people are approved after an appeal. Contact free legal aid or advocacy groups for help.
Medicaid waivers and local programs can help pay for transportation or home care. Contact your county social services office or call NYS Office for People With Developmental Disabilities for referrals.
