If you have cancer in Rhode Island, you may qualify for federal and state benefits like SSI, SSDI, Medicaid, and Temporary Disability Insurance. These programs help cover medical costs, lost wages, and daily living expenses. This guide explains eligibility, how to apply, and where to get help.
Federal disability programs like SSI and SSDI are available to people with cancer in Rhode Island. SSI helps those with limited income and resources, while SSDI is for those who have paid Social Security taxes through work. Both programs require a medical determination of disability. SSI is needs-based, while SSDI is based on work credits. Eligibility for both is determined by the Social Security Administration (SSA) and can provide monthly cash benefits and access to health coverage like Medicaid or Medicare [3].
In Rhode Island, you may also qualify for state-specific programs. Temporary Disability Insurance (TDI) offers short-term wage replacement if you are unable to work due to cancer. To qualify for TDI, you must have paid into the fund through payroll deductions and earned at least $16,800 in your base period, or meet alternative earnings requirements. There is no income or asset limit for the Medicaid Buy-In Program for Working People with Disabilities (Ticket to Work), which covers medical costs for those aged 16–64 who are working but have a disability [2].
ABLE accounts allow people with disabilities to save money without losing eligibility for means-tested benefits like SSI or Medicaid. Rhode Island residents can open an ABLE account to pay for qualified disability expenses, including medical care, housing, and education. Contributions are not tax-deductible, but earnings grow tax-free. Withdrawals for qualified expenses are also tax-free.
Income limits vary by program. SSI has strict limits on income and resources. SSDI is based on work credits, not income. Medicaid Buy-In for Working People with Disabilities (Ticket to Work) has no income or asset limits. General Public Assistance and SNAP have income and resource limits based on household size and composition.
If you receive more benefits than you are entitled to, you may have to repay the overpayment. Report changes in income, resources, or living situation to avoid overpayments. Keep records of all changes and communications with benefit agencies. If you get an overpayment notice, you can request a waiver or set up a repayment plan.
Contact your local Social Security office or the Rhode Island Office of Rehabilitation Services for help with your application. They can guide you through the process and answer your questions.
Yes, if your cancer is severe enough to prevent you from working, you may qualify for SSI, SSDI, or state programs like TDI. You must meet medical and financial eligibility requirements for each program.
You can apply online at the SSA website, by phone at 1-800-772-1213, or in person at a local Social Security office. You will need medical records and proof of income.
TDI provides short-term wage replacement for workers who cannot work due to a non-work-related illness or injury, including cancer. Benefits are based on your earnings and can last up to 30 weeks.
Yes, the Medicaid Buy-In Program for Working People with Disabilities (Ticket to Work) allows people aged 16–64 with disabilities to earn and save more while keeping Medicaid coverage. There are no income or asset limits.
Yes, you may qualify for General Public Assistance, SNAP, or housing assistance programs. Contact the Rhode Island Department of Human Services for more information.
An ABLE account lets you save money for disability-related expenses without losing eligibility for SSI or Medicaid. You can use it for medical care, housing, education, and more.
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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Yes, you must report changes in income, resources, or living situation to avoid overpayments. Keep records of all changes and communications with benefit agencies.
Yes, some programs like SSDI and the Medicaid Buy-In allow you to work and earn income. There are work incentives and support services to help you return to work.
Processing times vary. SSI and SSDI applications can take several months. TDI claims are usually processed within a few weeks. Contact the agency for updates on your application.
You can get help from local Social Security offices, Disability Determination Services, or the Office of Rehabilitation Services. Nonprofits and advocacy groups may also offer support.
