Amputation Benefits in Oklahoma: 2025 Guide

To qualify for federal disability benefits in Oklahoma, you must have a medical condition that prevents you from doing Substantial Gainful Activity (SGA) for at least 12 months or is expected to result in death. In 2025, SGA is $1,620 per month for non-blind individuals and $2,700 for blind individuals. If your amputation meets these criteria, you may qualify for SSDI or SSI.

SSDI is for those with enough work credits (usually 40, with 20 in the last 10 years). SSI is for those with limited income and resources ($2,000 for individuals, $3,000 for couples in 2025). You can get both if your SSDI is low enough and you meet SSI limits[1][2][4][8][9].

In Oklahoma, amputation is considered a qualifying disability if it prevents you from working. You must meet both federal and state requirements. Oklahoma uses the federal SSI and SSDI rules, but also offers a state supplement to SSI for eligible residents. You must apply for this supplement separately through the state.

Oklahoma also has Medicaid waivers for people with disabilities, which can help with long-term care and support services. These waivers are for those who meet income and asset limits and need help with daily living[3][7].

• Gather medical records showing your amputation and how it affects your ability to work.
• Apply online, by phone, or in person at a Social Security office.
• Provide proof of income, resources, and work history.
• Wait for Social Security to review your application and send it to Oklahoma Disability Determination Services for medical review.
• If approved, you may also apply for Oklahoma’s SSI state supplement[6][7].

• Step 1: Collect all medical records, including doctor’s notes, hospital discharge summaries, and any rehabilitation reports related to your amputation.
• Step 2: Apply for SSDI and/or SSI online at ssa.gov, by phone at 1-800-772-1213, or at a local Social Security office. You can apply for both at the same time.
• Step 3: Social Security will review your non-medical eligibility (work credits for SSDI, income/resources for SSI).
• Step 4: Your application is sent to Oklahoma Disability Determination Services for medical review. They will decide if your amputation meets the disability criteria.
• Step 5: If approved, you may receive SSDI, SSI, or both. If you qualify for SSI, apply for Oklahoma’s state supplement through the state.
• Step 6: Report any changes in your income, resources, or living situation to avoid overpayments[6][7].

• Social Security Disability Insurance (SSDI): Monthly payments based on your work history. In 2025, the maximum is about $3,627, but most get less. If your SSDI is low, SSI can “top up” your total to the federal limit ($967 for individuals, $1,450 for couples in 2025).
• Supplemental Security Income (SSI): For those with limited income and resources. The federal SSI rate is $967/month for individuals in 2025. Oklahoma adds a state supplement.
• Medicaid: If you get SSI, you may automatically qualify for Medicaid in Oklahoma, which covers medical care and some long-term services[1][2][8][9].

• Oklahoma SSI State Supplement: Oklahoma adds extra money to your federal SSI benefit. You must apply for this supplement through the state.
• Medicaid Waivers (HCBS): Oklahoma offers Home and Community-Based Services waivers for people with disabilities. These can help with personal care, home modifications, and other support if you meet income and asset limits.
• ABLE Accounts: Oklahoma residents with disabilities can open ABLE accounts to save for disability-related expenses without losing benefits. These accounts have annual and lifetime limits[3][7].

Oklahoma residents with disabilities can open ABLE accounts to save for disability-related expenses. These accounts let you save up to $18,000 per year (2025 limit) and up to $100,000 without losing SSI benefits. Funds can be used for housing, education, transportation, and other qualified expenses[3].

• SSI: $2,000 in resources for individuals, $3,000 for couples in 2025. Income limits depend on your living situation and other factors.
• SSDI: No strict income limit, but earning more than $1,620/month (2025) is considered SGA and may affect eligibility.
• Medicaid: Income and asset limits vary by program, but generally follow SSI guidelines[1][2][4][9].

You must report any changes in income, resources, or living situation to Social Security and Oklahoma state agencies. Failing to report can result in overpayments and penalties. Use the SSI & SSDI Work Incentives guide to learn how work affects your benefits[6].

• Oklahoma Disability Determination Services
  Phone: 405-521-3571

  Website

  For medical review of disability applications.
• Social Security Administration
  Phone: 1-800-772-1213

  TTY: 1-800-325-0778

  Website

  For general questions and application help.

• Can I get both SSDI and SSI with an amputation in Oklahoma?

  Yes, if your SSDI payment is low enough and you meet SSI income and asset limits. SSI can “top up” your total benefits to the federal limit ($967/month for individuals in 2025). You must apply for both programs[1][2].

• What medical proof do I need for amputation benefits?

  You need medical records showing your amputation and how it affects your ability to work. This includes doctor’s notes, hospital records, and any rehabilitation reports. Social Security will review these to decide if you qualify[6][7].

• Does Oklahoma offer extra help for amputation benefits?

  Yes, Oklahoma offers a state supplement to SSI for eligible residents. You must apply for this supplement separately. Oklahoma also has Medicaid waivers and ABLE accounts for people with disabilities[3][7].

• How much can I earn and still get disability benefits in Oklahoma?

  In 2025, you can earn up to $1,620/month (non-blind) or $2,700/month (blind) without losing SSDI or SSI. Earning more may affect your benefits. Check the SSI & SSDI Work Incentives guide for details[2][4][9].

• Can I work while getting amputation benefits in Oklahoma?

  Yes, but your earnings must stay below the SGA limit ($1,620/month in 2025). Social Security has work incentives to help you keep benefits while working. Talk to a disability advocate for help[2][4][9].

• What is the process for applying for amputation benefits in Oklahoma?

  Apply online, by phone, or in person at a Social Security office. Provide medical records, proof of income, and work history. Social Security reviews your application, then Oklahoma Disability Determination Services does a medical review[6][7].