If you have Multiple Sclerosis in Tennessee, you may qualify for federal disability benefits like SSI and SSDI, plus state programs such as Medicaid waivers and Family Support. This guide explains eligibility, how to apply, and what support is available.
To qualify for Social Security Disability Insurance (SSDI), you must have worked in jobs covered by Social Security and earned enough work credits. In 2025, 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, and a medical condition that has lasted or is expected to last at least one year or result in death. Multiple Sclerosis is listed as a qualifying condition by the Social Security Administration if it meets certain criteria, such as significant physical or cognitive limitations [1].
The Substantial Gainful Activity (SGA) limit for 2025 is $1,550 per month for non-blind individuals. Earning above this amount may affect your eligibility, but there are work incentives and trial work periods that let you test your ability to work without losing benefits [1].
In Tennessee, individuals with Multiple Sclerosis may also qualify for state programs that provide extra support. The Family Support Program helps families with children or adults with severe disabilities stay together at home. Services can include respite care, home modifications, equipment, and personal assistance. The program is funded by state dollars and is not a substitute for Medicaid or other federal programs [3].
Tennessee’s Katie Beckett program is for children under 18 with complex medical needs who do not qualify for TennCare due to their parents’ income. This program can help pay for medical care not covered by private insurance [4].
Tennessee also offers Medicaid waivers, such as the Employment and Community First (ECF) Choices program, which provides home and community-based services for people with intellectual and developmental disabilities, including those with Multiple Sclerosis who meet the criteria [4].
ABLE accounts let people with disabilities save money without losing SSI or Medicaid benefits. Tennessee residents can open an ABLE account through the state’s program. Funds can be used for disability-related expenses like housing, education, and transportation [internal_link: ABLE Accounts].
For SSI in 2025, the maximum monthly payment is $967. Income and resources must be below specific limits set by the Social Security Administration. For SSDI, there is no income limit, but you must not earn more than the SGA limit of $1,550 per month [2].
If you receive too much in benefits, you may have to pay it back. Report changes in income, living situation, or medical condition to Social Security right away to avoid overpayments. Learn more about how to report changes and avoid overpayments [internal_link: Avoiding Overpayments & Reporting Changes].
Contact your local Social Security office or a disability advocate for help with your application. Many organizations offer free assistance to people with Multiple Sclerosis.
SSI is for people with low income and few resources, while SSDI is for those who have worked and paid into Social Security. Both programs provide monthly payments for those with Multiple Sclerosis who meet the criteria [internal_link: SSI vs SSDI].
You can apply online at the Social Security website, by phone, or in person at a local office. For state programs, contact the Tennessee Department of Intellectual and Developmental Disabilities or your local district council [7].
Tennessee offers the Family Support Program, Katie Beckett for children, and Medicaid waivers like ECF Choices. These programs provide extra help with medical care, housing, and daily living [3][4].
Yes, there are work incentives and trial work periods that let you test your ability to work without losing benefits. If you earn more than $1,550 per month, it may affect your eligibility [1].
The maximum SSDI payment in 2025 is $4,018 per month. The maximum SSI payment is $967 per month. State programs may provide additional support [2].
Multiple Sclerosis is a qualifying condition if it meets Social Security’s criteria. Other conditions include cerebral palsy, Down syndrome, and severe intellectual disability [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.
The state agency may take 6 to 8 months to decide if your condition meets the criteria. Some conditions may qualify for immediate payments for up to 6 months [6].
Yes, children with Multiple Sclerosis may qualify for SSI or the Katie Beckett program if they meet the criteria. These programs help with medical care and daily living [4][6].
The Family Support Program helps families with children or adults with severe disabilities stay together at home. Services include respite care, home modifications, and personal assistance [3].
The Tennessee Housing Development Agency offers housing assistance for low-income residents, including those with disabilities. You can also apply for Medicaid waivers that provide housing support [5].
