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Tennessee • Chronic Illness
People in Tennessee with kidney disease may qualify for federal disability benefits like SSI and SSDI, as well as state programs for health, housing, and family support. This guide explains eligibility, how to apply, and where to get help.
To qualify for Social Security Disability Insurance (SSDI), you must have worked and paid Social Security taxes, have a medical condition that stops you from working for at least 12 months, and meet the work credit rule. Most adults need 40 credits, with 20 earned in the last 10 years before disability. For Supplemental Security Income (SSI), you must have limited income and resources, and a disability that lasts 12+ months. The Social Security Administration (SSA) uses a list of qualifying conditions; chronic kidney disease and kidney failure are included. If your condition is severe enough, you may qualify even if it’s not on the list. In 2025, the Substantial Gainful Activity (SGA) limit is $1,620 per month for non-blind individuals and $2,700 for blind individuals. Earning above this usually disqualifies you from SSDI and SSI[1][5][6].
In Tennessee, people with kidney disease may also qualify for state programs. The Family Support Program helps families with children or adults with severe disabilities, including kidney disease, by providing respite care, home modifications, equipment, and other supports. The program is not a substitute for Medicaid or TennCare, but it can help fill gaps. Eligibility depends on the severity of the disability and family resources. There is a current benefit limit of $6,000 per individual with a severe disability in a family, but availability may vary by district. Local councils oversee the program and can advise on services. Tennessee also offers Medicaid (TennCare) for low-income individuals with disabilities, which covers dialysis, transplant, and other treatments[3][4][7].
ABLE accounts let people with disabilities save money without losing SSI or Medicaid benefits. You can use the funds for housing, education, transportation, and other disability-related expenses. Tennessee residents can open an ABLE account through the state’s program. Learn more about ABLE accounts and eligibility[4].
For SSI in 2025, the income limit is $967 per month for an individual. For SSDI, there is no strict income limit, but you must earn less than $1,620 per month (non-blind) or $2,700 (blind) to qualify. Work credits and recent employment history also matter. For TennCare, income limits vary by household size and disability status[2][5][6].
If your income or living situation changes, you must report it to SSA or TennCare. Failing to report can lead to overpayments and penalties. Learn how to avoid overpayments and report changes to keep your benefits[4].
Contact Tennessee Disability Resources or your local Family Support Program office for free help with applications, appeals, and finding local resources.
Yes, if your kidney disease prevents you from working for 12+ months and meets SSA’s medical criteria. You may qualify for SSDI, SSI, or both, depending on your work history and income[1][2][5].
In 2025, the SSI income limit is $967 per month for an individual. This can change based on other income and resources. Check with SSA or use an SSI income estimator for your situation[2][5][6].
Apply online at SSA.gov, by phone, or at a local Social Security office. You’ll need medical records, work history, and proof of income. For state programs, contact your local Family Support Program or TennCare office[1][3][4][7].
Tennessee offers the Family Support Program, TennCare (Medicaid), TN SHIP, and housing assistance. These programs can help with medical care, home modifications, and daily living needs[3][4][7][8].
Yes, but you must earn less than $1,620 per month (non-blind) or $2,700 (blind) to keep SSDI or SSI. Social Security offers work incentives and trial work periods to help you test your ability to work[1][5].
The process can take 3–6 months or longer. Some conditions, like kidney failure, may qualify for immediate payments. If denied, you can appeal within 60 days[6][7].
Disclaimer: This guide is for informational purposes only and does not constitute legal or medical advice. Always consult with a qualified professional for your specific situation.
You’ll need medical records, lab results, treatment plans, and doctor’s notes that show your kidney disease is severe and prevents work for 12+ months. SSA may ask for a medical exam[6][7].
Yes, children with severe kidney disease may qualify for SSI if their family meets income limits. SSA may make immediate payments for certain conditions, including kidney failure[6].
The Family Support Program helps families with a member who has a severe disability, including kidney disease. It provides up to $6,000 per year for services like respite care, home modifications, and equipment[3].
Contact Tennessee Disability Resources, Legal Aid, or the TN Council on Developmental Disabilities. They offer free help with applications, appeals, and finding local resources[1][3][4].
