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New York • Chronic Illness
People with heart disease in New York may qualify for federal and state disability benefits, including SSI, SSDI, Medicaid, and work supports. This guide explains eligibility, how to apply, and key programs.
To qualify for federal disability benefits with heart disease, your condition must meet Social Security's definition of disability. This means your heart disease must be severe enough to prevent you from doing substantial work and is expected to last at least 12 months or result in death. Social Security reviews medical records, work history, and how your condition affects daily activities. You must also meet income and resource limits for SSI, while SSDI is based on your work credits. Children with heart disease may qualify for SSI if they meet the child disability criteria and their family's income is low enough. Adults with a disability that began before age 22 may qualify for benefits based on a parent's work record. [^1]
New York State does not have a separate state disability insurance program for private sector workers like California. Instead, most workers rely on federal programs such as SSI and SSDI for disability benefits. However, New York offers Medicaid waivers for home and community-based services (HCBS), which can provide support for people with heart disease who need help with daily living. To qualify for Medicaid, you must meet income and asset limits, and your heart disease must be severe enough to require long-term care. New York also has programs for veterans and public employees with disabilities. For more details, contact the New York State Office for People With Developmental Disabilities or the Department of Health. [^2][^3]
The NY ABLE program lets people with heart disease save money for disability-related expenses without losing SSI or Medicaid benefits. You can save up to $17,000 per year, and the account grows tax-free. Funds can be used for housing, education, transportation, and other qualified expenses. To open an account, visit the NY ABLE program website and follow the enrollment steps. [^4]
For SSI, the federal income limit in 2025 is $943 per month for an individual and $1,415 for a couple. New York may have higher limits for Medicaid. For SSDI, there is no income limit, but you must not be doing substantial work. For Medicaid waivers, income and asset limits vary by program. [^1][^2]
It is important to report any changes in your income, resources, or living situation to Social Security and Medicaid. This includes changes in work, marriage, or moving. Failing to report changes can result in overpayments and penalties. If you receive an overpayment, contact Social Security or Medicaid to set up a repayment plan. [^5]
Contact your local Social Security office or Department of Social Services for help with applications. You can also call Disability Rights New York for free legal help.
Yes, heart disease can qualify for SSI or SSDI if it meets Social Security's definition of disability. This means it must be severe enough to prevent you from working and is expected to last at least 12 months or result in death. Medical evidence is required.
SSI is for people with limited income and resources, while SSDI is for those who have worked and paid Social Security taxes. Both require a severe disability, but eligibility depends on your work history and financial situation.
You can apply for Medicaid online at mybenefits.ny.gov or at your local Department of Social Services. You will need to provide proof of income, assets, and disability. Medicaid can help cover medical costs for heart disease.
Medicaid waivers provide home and community-based services for people with heart disease who need help with daily living. Services include personal care, respite, and supported employment. Contact the NYS Office for People With Developmental Disabilities for more information.
Yes, there are work incentives that let you keep benefits while working. Programs like Ticket to Work can help you earn income without losing SSI or SSDI. Report any changes to avoid overpayments.
Disclaimer: This guide is for informational purposes only and does not constitute legal or financial advice. Always consult with a qualified professional for your specific situation.
Visit the NY ABLE program website and follow the enrollment steps. You can save up to $17,000 per year for disability-related expenses without losing SSI or Medicaid benefits.
You need medical records from your doctor that detail your heart disease, treatment, and how it limits your ability to work. This may include test results, treatment plans, and statements from healthcare providers.
Yes, the NYS Division of Veterans' Services offers benefits and support for veterans with disabilities, including heart disease. Contact them for more information on available programs.
Report changes in income, resources, or living situation to Social Security and Medicaid. You can do this online, by phone, or in person. Failing to report changes can result in overpayments and penalties.
The federal income limit for SSI in 2025 is $943 per month for an individual and $1,415 for a couple. New York may have higher limits for Medicaid. Check with your local Department of Social Services for details.
