People with Myalgic Encephalomyelitis in Pennsylvania may qualify for federal disability benefits like SSI and SSDI, as well as state programs such as Medicaid and Medical Assistance for Workers with Disabilities (MAWD). Eligibility depends on work history, income, and assets. Applying early and providing strong medical evidence is key.
Myalgic Encephalomyelitis (ME) is a chronic illness that can qualify for federal disability benefits if it severely limits your ability to work. The Social Security Administration (SSA) offers two main programs: Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI)[1][2].
SSDI is for people who have worked and paid Social Security taxes. You need enough work credits, which depend on your age and how long you've worked. There are no income or asset limits for SSDI, but your condition must prevent you from doing substantial gainful activity (SGA)[1][2].
SSI is for people with limited income and resources, regardless of work history. To qualify, your monthly income must be below $943 (individual) or $1,415 (couple) in 2025, and your assets must be under $2,000 (individual) or $3,000 (couple)[1][2].
Both programs require that your disability is expected to last at least one year or result in death, and that it prevents you from working[2].
In Pennsylvania, people with Myalgic Encephalomyelitis may also qualify for state-specific programs. SSI recipients automatically get Medical Assistance (Medicaid), which covers healthcare without a waiting period[1]. Pennsylvania also offers Medical Assistance for Workers with Disabilities (MAWD), which helps working adults with chronic conditions keep health coverage even if their income is above regular Medicaid limits[6].
To qualify for MAWD, you must be 16–64 years old, have a chronic condition, earn less than 250% of the Federal Poverty Level, and have less than $10,000 in resources[6]. You can prove disability by showing you receive SSDI benefits or by providing a doctor's letter[6].
Pennsylvania does not have a separate state disability program, so most benefits come from federal programs, but state agencies help with applications and eligibility[2].
ABLE accounts let people with disabilities save money without losing access to SSI, Medicaid, or other benefits. You can save up to $18,000 per year in 2025, and the first $100,000 is not counted against SSI asset limits[8]. To open an account, you must have a disability that started before age 26[8].
You must report any changes in income, work, or living situation to the SSA and state agencies. Failing to report can lead to overpayments and loss of benefits. Use the SSA's online portal or call your local office to report changes[2].
Start your application as soon as you're eligible. Delays can mean missing out on benefits.
Save all medical records, pay stubs, and benefit letters. You may need them for appeals or reviews.
Yes, if your condition prevents you from working and meets the SSA's definition of disability, you may qualify for SSI or SSDI. You'll need medical evidence showing your limitations[1][2].
SSI is for people with limited income and assets, regardless of work history. SSDI is for those who have worked and paid Social Security taxes. Both require a severe disability[1][2].
SSDI recipients can earn up to $1,620/month in 2025 without losing benefits. SSI recipients face benefit reductions if they earn over $943/month (individual)[1][4].
SSI recipients get Medicaid automatically. SSDI recipients get Medicare after 24 months. MAWD is available for working adults with chronic conditions[1][6].
Yes, but there are limits. SSDI has a trial work period, and SSI benefits are reduced if you earn too much. Work incentives help you keep some benefits while working[1][4].
Apply online at SSA.gov, by phone at 1-800-772-1213, or in person at a local office. For Medicaid or MAWD, use COMPASS.state.pa.us or visit your County Assistance Office[2][6].
This guide is for informational purposes only and is not legal or financial advice. Always consult with a qualified professional for personalized guidance.
Join thousands of families who trust Purple to protect their benefits
Purple is a financial technology company, not a bank. Banking services are provided by OMB Bank, Member FDIC.
You'll need medical records, proof of income, proof of disability (like an SSDI award letter or doctor's note), and identification[2][6].
The process can take several months. Submit your application as soon as possible and respond quickly to requests for more information[2].
MAWD is health coverage for working adults with chronic conditions, ages 16–64, with income under 250% FPL and less than $10,000 in resources. You must prove your disability[6].
Yes, if your SSDI benefit is low, SSI can supplement your income up to the federal benefit rate. This is called concurrent benefits[1].
