If you have fibromyalgia and cannot work, you may qualify for federal disability benefits (SSI or SSDI) and some Tennessee state programs. This guide explains eligibility, how to apply, and what support is available in Tennessee for people with fibromyalgia.
To qualify for federal disability benefits in Tennessee, you must have a medical condition that prevents you from working for at least 12 months. For Social Security Disability Insurance (SSDI), you need enough work credits from jobs where you paid Social Security taxes. Most adults need 40 credits, with 20 earned in the last 10 years before becoming disabled. For Supplemental Security Income (SSI), you must have low income and few resources, regardless of work history. Both programs require that your condition is severe enough to stop you from doing substantial work. In 2025, earning more than $1,620 per month (or $2,700 if blind) is considered substantial work and may disqualify you from benefits[1][5][8].
Tennessee does not have a separate state disability program for adults with fibromyalgia, but people with severe disabilities may qualify for state-funded support programs. The Family Support Program helps individuals with severe disabilities and their families stay together at home. This program can provide respite care, home modifications, equipment, and other supports. Eligibility is based on having a severe disability, not on income or work history. The Katie Beckett program is for children under 18 with complex medical needs who do not qualify for TennCare due to family income. Tennessee also offers Medicaid waivers for people with intellectual and developmental disabilities, which may help with home and community-based services[3][4][7].
ABLE accounts let people with disabilities save money without losing SSI or Medicaid benefits. Tennessee residents can open an ABLE account to pay for disability-related expenses. Learn more about ABLE accounts and how to apply[internal_link_able_accounts].
For SSI in 2025, the maximum monthly payment is $967. To qualify, your income and resources must be below certain limits. For SSDI, there is no income limit, but you must not earn more than $1,620 per month (or $2,700 if blind) from work. Family Support Program benefits are not based on income[2][5][6].
If your income or living situation changes, you must report it to Social Security. Not reporting changes can lead to overpayments and penalties. Learn how to avoid overpayments and report changes[internal_link_overpayments_and_reporting].
Contact your local Social Security office or a Tennessee disability advocacy group for help with your application. Many organizations offer free assistance.
Yes, fibromyalgia can qualify for SSI or SSDI if it severely limits your ability to work for at least 12 months. You must provide medical proof and meet income or work history requirements[1][2][5].
SSI is for people with low income and few resources, regardless of work history. SSDI is for people who paid Social Security taxes and have enough work credits. Both require a severe disability[2][4][5].
The maximum SSDI payment in 2025 is $4,018 per month. The maximum SSI payment is $967 per month. Actual amounts depend on your work history and income[2][5].
Tennessee offers the Family Support Program for people with severe disabilities and their families. The Katie Beckett program helps children with complex medical needs. Medicaid waivers may also be available[3][4][7].
You can apply for SSI or SSDI online at SSA.gov, by phone, or in person. For state programs, contact your local Family Support Council or TennCare. You will need medical and financial documents[1][4][7].
No, you must not be able to work due to your disability. If you earn more than $1,620 per month (or $2,700 if blind), you may not qualify for SSI or SSDI[5][6].
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, children with fibromyalgia may qualify for SSI if their condition is severe and their family income is low. The Katie Beckett program may also help with medical costs[4][6].
You need medical records showing your diagnosis and how fibromyalgia limits your daily activities and ability to work. A detailed statement from your doctor is helpful[1][5].
It can take 6 to 8 months to get a decision on SSI or SSDI. Some conditions may qualify for immediate payments while your claim is reviewed[6].
Yes, Social Security offers work incentives and trial work periods. If you earn more than $1,620 per month (or $2,700 if blind), your benefits may stop[1][5].
