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Utah • Chronic Illness
If you have cancer in Utah, you may qualify for federal disability benefits like SSDI or SSI. These programs help cover lost income and provide health insurance. Utah does not have a state disability program, but residents can access federal benefits and Medicaid. The application process can be complex, but help is available.
To qualify for Social Security Disability Insurance (SSDI), you must have worked in jobs covered by Social Security, have a medical condition that prevents you from working for at least 12 months, and meet the work credit requirements (usually 20 credits in the last 10 years)[^1]. For Supplemental Security Income (SSI), you must have limited income and resources, and meet the Social Security Administration's definition of disability[^1]. Both programs require that your cancer or its treatment stops you from doing substantial work[^1].
If you are blind or have a qualifying disability that began before age 22, special rules may apply[^1]. Children with cancer may also qualify for benefits if their parent receives Social Security benefits[^1].
Utah does not have a state disability program for adults or children. Residents with cancer must apply for federal disability benefits through the Social Security Administration (SSA)[^2]. If you are approved for SSI, you may also qualify for Medicaid in Utah, which covers medical costs related to cancer treatment[^2]. Utah’s Disability Determination Services (DDS) reviews medical evidence for SSA but does not run a separate state disability program[^2].
If you are working while disabled, your monthly earnings must be below the Substantial Gainful Activity (SGA) limit. In 2025, SGA is $1,620 per month for non-blind individuals and $2,700 for those who are statutorily blind[^3]. If your earnings exceed SGA, your benefits may be suspended or terminated[^3].
Utah does not have a state disability program for adults or children. Residents with cancer must rely on federal programs like SSDI and SSI[^2]. Utah’s Disability Determination Services (DDS) reviews medical evidence for SSA but does not run a separate state disability program[^2]. If you are approved for SSI, you may qualify for Medicaid in Utah, which covers medical costs related to cancer treatment[^2]. Utah also offers Medicaid waivers for home and community-based services, which may help with long-term care needs[^2].
ABLE accounts allow people with disabilities to save money without losing SSI or Medicaid benefits. In 2025, you can contribute up to $19,000 per year to an ABLE account. If you work and your employer does not contribute to a retirement account, you may contribute up to $34,650 per year[^6].
For SSI in 2025, the Substantial Gainful Activity (SGA) limit is $1,620 per month for non-blind individuals and $2,700 for those who are statutorily blind. If your earnings exceed SGA, your benefits may be suspended or terminated[^3].
You must report any changes in income, work, or medical status to the SSA. Failing to report changes can lead to overpayments, which you may have to repay. If you receive an overpayment, contact SSA to discuss repayment options[^1].
If you need help with your application, contact Disability Determination Services in Utah or a nonprofit legal aid group. They can help you gather documents and understand the process.
Yes, if your cancer or its treatment stops you from working for at least 12 months, you may qualify for SSDI or SSI. Utah does not have a state disability program, so you must apply for federal benefits[^1].
You can apply online at SSA.gov, by phone at 1-800-772-1213, or in person at a Social Security office. You will need medical records and proof of income or work history[^4].
SSDI is for those who paid Social Security taxes and became disabled. SSI is for those with limited income and resources. Both programs provide monthly payments and health insurance[^1].
Yes, but your monthly earnings must be below the SGA limit. In 2025, SGA is $1,620 per month for non-blind individuals and $2,700 for those who are statutorily blind[^3].
If denied, you can file for reconsideration within 60 days. If still denied, you can request a hearing before an administrative law judge. Working with a lawyer can increase your chances of approval[^1].
Yes, most SSDI recipients get Medicare after a 24-month waiting period. SSI recipients get Medicaid, which covers medical costs related to cancer treatment[^1].
Disclaimer: This guide is for informational purposes only and does not constitute legal or financial advice. Always consult with a qualified professional for personalized guidance.
Yes, children with cancer may qualify for benefits if their parent receives Social Security benefits. The child must have a qualifying disability and meet SSA rules[^1].
An ABLE account lets you save money without losing SSI or Medicaid benefits. In 2025, you can contribute up to $19,000 per year, or up to $34,650 if you work and your employer does not contribute to a retirement account[^6].
The decision process can take several months. DDS reviews your medical evidence and makes a decision based on federal guidelines[^4].
You must report any changes in income, work, or medical status to the SSA. Failing to report changes can lead to overpayments, which you may have to repay[^1].
