People with cystic fibrosis in South Dakota may qualify for federal disability benefits like SSI and SSDI, as well as state-specific Medicaid programs and work incentives. This guide explains eligibility, how to apply, and key resources.
To qualify for Social Security Disability Insurance (SSDI), you must have a medical condition that prevents you from working, have enough work credits, and meet SSA’s definition of disability. For cystic fibrosis, this means your condition must be severe enough to stop you from doing your previous work or adjusting to other work for at least a year. You generally need 40 work credits, with 20 earned in the last 10 years before your disability began. Supplemental Security Income (SSI) is for those with limited income and resources, regardless of work history. Both programs require a medical review to confirm your disability status.
In South Dakota, people with cystic fibrosis may qualify for Medicaid for Workers with Disabilities if they are employed and have a significant disability. This program helps you keep Medicaid coverage while working. South Dakota also offers Home and Community Based Services (HCBS) waivers for those who need long-term care. These waivers can help cover services like home care, therapy, and medical equipment. To qualify, you must meet both federal disability criteria and state-specific income and asset limits. The state may also consider your ability to work and your need for support services.
ABLE accounts let people with disabilities save money without losing SSI or Medicaid benefits. In South Dakota, you can open an ABLE account to save for qualified disability expenses. The account grows tax-free, and withdrawals for qualified expenses are not taxed. This can help cover costs related to cystic fibrosis, like medical equipment or therapy. [^9]
You must report changes in your condition, income, or employment to SSA and state agencies. Failure to report can result in overpayments, which you may have to repay. If you earn more than the SGA limit, your benefits may be suspended. [^8]
Contact the South Dakota Benefits Specialist Network at 1-800-224-5336 for free help with disability benefits applications.
Yes, cystic fibrosis can qualify for SSDI or SSI if it meets SSA’s disability criteria. You must show that your condition prevents you from working for at least a year. Medical records and doctor’s notes are required to prove your disability.
The 2025 federal SSI income limit is $943/month for an individual and $1,415/month for a couple. State-specific programs may have different limits, so check with South Dakota’s Department of Social Services.
You can apply for Medicaid online through South Dakota’s Department of Social Services or by mail. You’ll need to provide proof of income, disability, and residency. The application process may take several weeks.
Work incentives like Plan for Achieving Self-Support (PASS) and Impairment Related Work Expenses (IRWE) help you keep benefits while working. These programs let you set aside income for work goals or deduct work-related expenses from your earnings.
Yes, South Dakota’s Medicaid for Workers with Disabilities program lets you keep Medicaid coverage while working. You must meet state-specific income and asset limits and report any changes in your employment.
An ABLE account lets you save money without losing SSI or Medicaid benefits. You can use it for qualified disability expenses, like medical equipment or therapy, and the account grows tax-free.
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.
The application process can take several months. SSA reviews your medical records and work history. You may need to provide additional information or attend a medical exam.
If your condition improves, you must report it to SSA. You may lose benefits, but work incentives like Expedited Reinstatement let you get benefits back if your condition worsens again.
Yes, family members may be eligible for dependent benefits under SSDI if you qualify. Check with SSA for specific rules and requirements.
If you’re denied, you can appeal the decision. SSA provides information on how to file an appeal and what documents you need. You may also seek help from a disability advocate or attorney.
