Open a Purple account in minutes. Banking built for people with disabilities.
New York • Sensory
New York offers several benefit programs for people with low vision, including Social Security (SSI/SSDI), Medicaid, and state-specific waivers. This guide covers eligibility rules, step-by-step application help, and expert contacts to maximize your benefits in NY.
To qualify for federal benefits like SSI or SSDI with low vision, you must meet the Social Security Administration’s strict definition of legal blindness or a severe visual impairment that prevents full-time work. For SSI, you must have low income and assets; SSDI requires enough work credits. You can start online at ssa.gov to learn about SSI income and work rules, or see our SSI vs SSDI guide for a clear comparison.
New York’s Medicaid offers extra vision services, adaptive aids, and home care supports for people with low vision. To qualify, you must meet both federal and state income guidelines. The Medicaid Buy-In for Working People with Disabilities (MBI-WPD) lets workers with disabilities earn more and still keep Medicaid. You can also apply for New York’s Home and Community Based Services (HCBS) waivers for more personalized supports—check our Medicaid Waivers (HCBS) guide for details. For low vision aids through Medicaid, you may need a letter from your eye doctor. Always contact your local DSS office for the latest rules.
Apply for SSI or SSDI online at ssa.gov, or call 1-800-772-1213. For New York Medicaid, start at nystateofhealth.ny.gov. For low vision aids, ask your doctor to document your need and bring this to your Medicaid office. For questions, contact the NY Commission for the Blind at (518) 473-7800.
SSI provides monthly cash and automatic Medicaid to low-income legally blind individuals in New York. SSDI pays benefits to those with enough work history and a qualifying disability. Both programs require proof of severe visual impairment and, for SSI, strict income and asset limits. Medicare coverage may follow SSDI after 24 months—see our Medicaid vs Medicare guide.
New York Medicaid covers eye exams, low vision aids, and rehabilitation services for people with visual disabilities. The Commission for the Blind offers training, job help, and adaptive tech loans. The Medicaid Buy-In for Working People with Disabilities (MBI-WPD) allows higher earnings while keeping benefits. New York also runs several HCBS waivers for people with disabilities who need extra supports at home—ask your county Social Services office for details.
New Yorkers with low vision can save up to $18,000/year in an NY ABLE account without affecting SSI or Medicaid eligibility. Funds can pay for assistive tech, education, housing, and more. Open an account at nyable.org.
SSI income limits in New York for an individual are about $943/month (2025), but Medicaid income rules differ—use our SSI Income Estimator or contact your DSS office for details. MBI-WPD allows higher earnings than regular Medicaid. Always report income changes to avoid overpayments.
Report any income, asset, or medical changes to Social Security and your Medicaid office promptly to avoid overpayments. If you are overpaid, contact the agency right away—see our guide on Avoiding Overpayments & Reporting Changes.
If you have low vision and Medicaid, ask your doctor for a letter to request magnifiers, talking devices, or other aids. Bring this to your county DSS or Commission for the Blind for help—coverage varies, so always check first.
If your SSI, SSDI, or Medicaid claim is denied, you can appeal. Contact a local legal aid group or disability rights office for help with the process.
You must meet the SSA’s strict legal blindness standard or have vision loss that prevents work. SSI has income and asset limits; SSDI requires work credits. Start your application at ssa.gov or call 1-800-772-1213.
Yes, New York Medicaid may cover vision aids, but you need a doctor’s letter. Ask your caseworker for details and prior approval steps.
You can work with SSI or SSDI using work incentives, and the MBI-WPD program lets you earn more without losing Medicaid—see our SSI & SSDI Work Incentives guide.
An NY ABLE account lets you save for disability expenses without losing benefits. Learn more at nyable.org.
Report changes to Social Security and your Medicaid office right away. See our guide on Avoiding Overpayments & Reporting Changes for step-by-step help.
Contact your county DSS, the NY Commission for the Blind, or a benefits planner. See our contact blocks for phone numbers.
Disclaimer: This guide is for informational purposes only and is not a substitute for legal or benefits counseling. Agency rules and benefit amounts change—always check with official sources for the latest information.
They offer training, job help, adaptive tech loans, and advocacy. Call (518) 473-7800 for details.
Yes, NY’s HCBS waivers may cover home care, adaptive tech, and personal care. Ask your Medicaid office for a referral.
Timing varies—medical reviews may take months. If denied, appeal with help from a local legal aid group.
You must report improvements to SSA and Medicaid. You may become ineligible for some benefits, but reporting ensures you avoid overpayments.
