A computer isn't a luxury anymore—it's essential for managing benefits, accessing telehealth appointments, staying connected, and even finding employment. If you're on disability and need a laptop but can't afford one, several programs can help.
In this article, we'll cover:
- Government programs that provide free computers to people with disabilities
- Nonprofit organizations offering discounted or donated laptops
- How to use your ABLE account to purchase technology
- Manufacturer and retailer discount programs
- Tips for finding legitimate programs and avoiding scams
Government Programs for Assistive Technology
Many states operate Assistive Technology (AT) programs that can help people with disabilities obtain computers and other technology. These programs may offer equipment loans, low-interest financing, or grants depending on your state and situation.
Vocational Rehabilitation (VR) services, available in every state, can provide laptops and other technology if it's needed for employment or job training. If you're interested in working, contact your state's VR agency to discuss what equipment they might provide.
The Lifeline program, while primarily focused on phone and internet service, has expanded in some areas to include devices. Check with your local Lifeline providers to see what's available in your state.
Nonprofit Organizations That Help
Several nonprofits specifically help people with disabilities and low-income individuals obtain computers:
PCs for People refurbishes donated computers and provides them to people receiving government assistance, including SSI and SSDI recipients. Computers typically cost $0-150 depending on the program and your location.
Human-I-T offers low-cost refurbished laptops to people on public assistance programs. They also provide digital literacy training and technical support.
World Computer Exchange and Computers with Causes are additional organizations that distribute refurbished computers to people in need, including those with disabilities.
Local organizations matter too. Check with community action agencies, disability resource centers, and local charities in your area—many run computer distribution programs that aren't widely advertised.
Using Your ABLE Account for Technology
If you have an ABLE account, purchasing a laptop or computer qualifies as a disability-related expense. Technology that helps you maintain health, independence, or quality of life falls within ABLE's qualified expense categories.
This means you can save for a computer in your ABLE account without affecting your SSI eligibility, then use those funds to purchase exactly what you need. It's a great option if you want a new computer rather than a refurbished one.
Manufacturer and Retailer Discounts
Some technology companies offer discounts for people with disabilities:
Microsoft offers discounts through their Assistive Technology products page and partners with organizations that distribute technology to people with disabilities.
Apple provides educational pricing that's sometimes available to people enrolled in job training or educational programs through vocational rehabilitation.
Amazon occasionally offers discounts on devices for people on government assistance, and refurbished options on Amazon Renewed can significantly reduce costs.
Check with any retailer before purchasing—many have discount programs that aren't heavily advertised but are available if you ask.
Avoiding Scams
Unfortunately, scammers target people looking for free technology. Be cautious of any program that asks for payment upfront for a "free" computer, requests your Social Security number through unsecure channels, or pressures you to act immediately.
Legitimate programs will have verifiable contact information, clear eligibility requirements, and won't ask for sensitive information until you've confirmed their legitimacy. When in doubt, check with your local disability resource center or Area Agency on Aging for recommendations.
Managing your benefits is easier with the right tools. Purple offers a checking account designed for SSI and SSDI recipients, with features that help you track spending and stay compliant.