If you have low vision in Utah, you may be eligible for federal benefits like SSI, SSDI, Medicare, or Medicaid, plus state programs that support people with sensory disabilities. This guide explains eligibility, how to apply, and Utah-specific Medicaid and work incentive options.
To qualify for SSI or SSDI, you must meet the federal definition of disability, which includes low vision that prevents “substantial” work. SSDI requires enough work credits; SSI is based on finances, not work history. For both, your visual impairment must last at least 12 months or be expected to result in death[4][6]. For SSI, you must have low income and limited resources (under $2,000 for an individual)[5]. For SSDI, your work history is key—usually, 40 credits, with 20 earned in the last 10 years[4][6].
State-specific information is limited; start here: Utah recognizes
Start your application for SSI, SSDI, or Medicaid online at SSA.gov or at a local Social Security office. Call or visit Utah’s Medicaid office for state healthcare programs. Gather medical records, work history, bank statements, and proof of identity—this speeds up your application. If you’re working, consider Utah’s work incentives for Medicaid. For personalized help, contact local disability organizations in Utah.
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SSI and SSDI are the main federal benefits for people with disabilities, including low vision. SSI provides cash assistance and Medicaid eligibility for those with low income and resources[5]. SSDI pays monthly benefits based on your work record and also gives you access to Medicare after a waiting period[4]. Medicare covers hospital and doctor visits, and some vision-related services. ABLE Accounts let you save for disability expenses without losing federal benefits.
Work Incentives: SSI and SSDI encourage work. You can earn up to $1,620/month (or $2,700/month if you’re blind) in 2025 before benefits are affected[2][4]. SSI reduces your check by less than half your earnings, and some disability-related work expenses may be deducted[5]. See our guide on [SSI & SSDI Work Incentives] for details.
Utah offers Medicaid for people who are aged 65+, blind, or disabled[3]. If you receive SSI, you’re automatically eligible. If not, Utah will review your disability and finances to see if you qualify[3]. Medicaid covers doctors, hospitals, mental health, therapies, and long-term supports—services especially important for people with low vision[3]. The Medicaid Work Incentive (MWI) is a special program that lets you work and keep Medicaid if your income is below 250% of the federal poverty level and you have under $15,000 in countable resources—just pay a monthly premium based on your income[5]. Utah’s Vocational Rehabilitation program can help with job training, assistive tech, and workplace accommodations. For in-home care and support, check out [Medicaid Waivers (HCBS)].
An ABLE account lets you save for disability expenses without affecting SSI or Medicaid eligibility. You can deposit up to $17,000 in 2025 and use funds for housing, education, transportation, assistive tech, and healthcare. Learn more in our [ABLE Accounts] guide and check if you qualify for Utah’s ABLE program.
SSI: You must have less than $2,000 in resources ($3,000 for couples) and very low income[5]. SSDI: No strict income limit, but your benefit amount depends on your work record. Substantial Gainful Activity (SGA): In 2025, earning more than $1,620/month (or $2,700/month if blind) could affect your benefits[2][4]. Medicaid: Eligibility depends on your income, resources, and disability status. Utah’s Medicaid Work Incentive (MWI) allows higher income and resource limits for working people with disabilities[5].
Report all changes in income, resources, living situation, or work immediately to avoid overpayments and penalties[5]. Overpayments can be repaid through a payment plan. For tips on staying compliant, see our [Avoiding Overpayments & Reporting Changes] guide.
Utah’s Medicaid Work Incentive (MWI) lets you work, earn up to 250% of the federal poverty level, and still get Medicaid if you pay a sliding-scale premium and have less than $15,000 in countable resources[5]. This is a key option for people with low vision who want to work but need healthcare coverage.
If you have low vision and need help applying for benefits, contact Utah’s Vocational Rehabilitation or the Disability Law Center—they offer free support and advocacy for people with sensory disabilities.
Utah accepts SSA’s disability decision. If SSA hasn’t ruled, Utah’s Medicaid Medical Review Board can determine disability, focusing on medical evidence—not just income or work history[3].
Yes, SSDI has work incentives. In 2025, you can earn up to $1,620/month (or $2,700/month if blind) before benefits are affected[2][4]. There’s a trial work period for SSDI recipients.
SSI is for low-income people, regardless of work history. SSDI is for those with enough work credits. Both require a qualifying disability, but SSI also has strict income and resource limits[5][4]. See our [SSI vs SSDI] guide.
Apply online, by phone, or at a local office. Provide medical proof of your low vision, income, and Utah residency. The state may decide your disability eligibility if SSA hasn’t already[3].
Utah Medicaid covers doctor visits, hospital care, mental health, and some therapies—important for people with low vision. Coverage for vision aids (like magnifiers) may be limited; check with Medicaid for details.
Yes, an ABLE account lets you save for disability expenses without affecting SSI or Medicaid. Funds can be used for housing, education, therapy, and assistive devices[Internal: ABLE Accounts].
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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You can appeal. Act quickly—gather more medical evidence or contact a disability advocate for help. Legal aid organizations in Utah may assist with appeals.
MWI lets you work, earn up to 250% of the federal poverty level, and keep Medicaid if you pay a monthly premium based on income and have less than $15,000 in resources[5].
Yes, Utah offers Medicaid waivers for home and community-based services (HCBS). These waivers can help with personal care, home modifications, and assistive technology—see our [Medicaid Waivers (HCBS)] guide.
Contact Utah’s Vocational Rehabilitation program. They offer job training, assistive technology, and workplace accommodations for people with low vision.
