If you have Multiple Sclerosis (MS) in Virginia, you may qualify for federal and state benefits including SSDI, SSI, Medicaid waivers, and ABLE accounts. This guide explains eligibility, how to apply, and key Virginia-specific programs for physical/mobility disabilities.
To qualify for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) with Multiple Sclerosis, your condition must significantly limit your ability to work for at least 12 months and meet the Social Security Administration's (SSA) medical criteria[1]. SSDI requires recent work credits (usually 20 in the last 10 years), while SSI is needs-based with strict income and asset limits[5]. SSA uses a five-step evaluation process that includes reviewing your work history, medical severity, and ability to do past or other work[1]. For SSI in 2025, the federal benefit is $943/month for individuals and $1,415/month for couples, but Virginia does not add state SSI supplements[1].
Virginia follows federal guidelines for SSDI and SSI, but it does not provide a state supplement to SSI—benefits are at the federal level only[1]. For Medicaid-based services, Virginia administers Developmental Disability (DD) Waivers through the Department of Medical Assistance Services (DMAS) and Department of Behavioral Health and Developmental Services (DBHDS)[2]. These waivers—including Community Living, Family & Individual Support, and Building Independence—cover home and community-based supports. MS may qualify if it meets the definition of a developmental disability and results in substantial functional limitations. Waiver slots are limited; join a waiting list through your local Community Services Board (CSB)[2].
For SSDI/SSI (Federal Benefits):
For Virginia Medicaid Waivers (State Benefits):
2025 Changes: Expect a 2.5% benefit increase due to COLA, and higher SGA limits (non-blind individuals: about $1,620/month; blind: $2,700/month)[3][8].
How Services Are Assigned: Waiver placements are based on need and there are waiting lists. Always apply as soon as possible and stay in contact with your CSB for updates[2].
Virginians with MS may be eligible for ABLE accounts—tax-free savings accounts for disability-related expenses. Virginia does not currently offer its own ABLE program, but you can enroll in a national ABLE program that accepts out-of-state residents.
Always report income changes, employment, or improvement in your condition to both SSA and your CSB to avoid overpayments or loss of benefits. SSDI/SSI recipients must also report earnings if they test the ability to work.
Virginia Medicaid waiver slots are limited and waitlists are common. Apply for waivers through your local Community Services Board as soon as possible to secure your place in line[2].
SSDI and SSI benefits will rise by 2.5% in 2025. SGA limits will also increase, letting you earn more without losing benefits[3][4].
In 2025, the federal SSI benefit is $943/month for individuals and $1,415 for couples in Virginia. The state does not add a supplement—benefits are at the federal level only[1].
You can work part-time, but monthly earnings above Substantial Gainful Activity (SGA)—$1,620 for non-blind in 2025—may reduce or end your SSDI benefits[4][8].
Three Developmental Disability waivers (Community Living, Family & Individual Support, and Building Independence) may help if MS causes significant functional impairment. Contact your local Community Services Board to apply[2].
Waivers provide in-home, community-based, and supported living services. Slots are limited, with placements based on urgency of need. There is a waiting list for most waivers[2].
No—Virginia does not supplement federal SSI payments. You receive only the federal benefit amount[1].
Start by applying for SSDI or SSI online at SSA.gov and contact your local Community Services Board for Medicaid waivers and local supports[2][5].
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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Initial decisions can take 3–6 months. Appeals may add months or years. Apply as soon as possible and follow up with all requested documentation.
ABLE accounts let individuals with disabilities save money without affecting SSI/Medicaid. Virginia does not have its own program, but you can enroll in a national ABLE account.
You can appeal. Most applicants are denied at first. Follow the SSA appeals process and consult a disability attorney or advocate if needed.
Contact the local SSA office, your Community Services Board, or a disability advocacy organization for help filling out forms and gathering evidence.
