Living with a disability often means navigating a patchwork of programs, each with its own rules, applications, and eligibility requirements. Whether you're already receiving SSI or SSDI or you're just starting to explore what's available, knowing the full range of financial assistance programs can help you build a stronger financial foundation—and make sure you're not leaving money on the table.
In this article, we'll cover:
- Federal disability benefit programs like SSI and SSDI
- Healthcare programs including Medicaid and Medicare
- Food and nutrition assistance through SNAP and other programs
- Housing assistance options for people with disabilities
- ABLE accounts and other savings tools
- State and local programs that provide additional support
SSI and SSDI: The Foundation of Disability Benefits
For many people with disabilities, Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) form the core of their financial support. SSDI is available to people who have worked and paid into Social Security, with the average payment in 2026 at about $1,630 per month and a maximum of $4,152. SSI is a needs-based program for people with limited income and resources, paying up to $994 per month for individuals and $1,491 for couples in 2026.
If you haven't applied for these programs and you have a qualifying disability, starting the application process is the single most impactful step you can take. The application process can be lengthy—often six months or more—so applying early is important. If you're denied initially, don't give up; many people are approved on appeal.
Medicaid and Medicare
Healthcare costs can be one of the biggest financial burdens for people with disabilities, which is why understanding your healthcare options is critical. Medicare is available to SSDI recipients after a 24-month waiting period from their entitlement date. It covers hospital stays (Part A), doctor visits and outpatient care (Part B), and prescription drugs (Part D).
Medicaid is a needs-based program that provides comprehensive healthcare coverage, including services that Medicare often doesn't cover—like long-term care, personal care attendants, and dental or vision services. In most states, SSI recipients are automatically eligible for Medicaid. Some states extend Medicaid to people with disabilities through special waiver programs, even if their income is higher than the standard SSI threshold, sometimes up to about $2,982 per month (300% of the SSI federal benefit rate) in 2026.
If you qualify for both Medicare and Medicaid, you're considered a "dual eligible," and the combination of both programs can significantly reduce your out-of-pocket costs.
SNAP (Supplemental Nutrition Assistance Program)
SNAP, formerly known as food stamps, is one of the most widely available assistance programs for people with limited income. For people with disabilities, SNAP can be especially valuable because it frees up cash that would otherwise go toward groceries. SSI recipients are often automatically eligible for SNAP with a simplified application process, though benefit amounts vary based on household size, income, and expenses.
People with disabilities may also qualify for higher SNAP benefits because certain disability-related expenses—like medical costs exceeding $35 per month—can be deducted from your income when calculating your benefit. This "excess medical deduction" is only available to elderly and disabled SNAP participants and can meaningfully increase your monthly food assistance.
Housing Assistance
Housing is often the largest expense for people living on disability benefits, and several programs exist to help. HUD's Housing Choice Voucher Program (Section 8) provides rental assistance that limits your housing costs to about 30% of your income. The waitlists can be long—sometimes years—but getting on a waitlist early is important because spots do open up over time.
HUD Section 811 is specifically designed for people with disabilities, providing supportive housing with access to services. Many states also offer their own rental assistance programs, and some communities have nonprofit organizations that provide emergency housing help or transitional housing for people with disabilities.
If you receive SSI, the amount of rent you pay (or don't pay) can affect your benefit through what Social Security calls in-kind support and maintenance (ISM). If someone else pays your rent or you live rent-free, your SSI may be reduced. Understanding this interaction is important when evaluating housing options.
ABLE Accounts: A Powerful Savings Tool
ABLE (Achieving a Better Life Experience) accounts are one of the best financial tools available to people with disabilities, yet many people don't know they exist. An ABLE account lets you save up to $20,000 per year (in 2026) without affecting your eligibility for SSI, Medicaid, or other means-tested benefits—as long as the account balance stays below $100,000 for SSI purposes.
The money in an ABLE account can be used for a wide range of disability-related expenses, including housing, transportation, healthcare, education, assistive technology, and basic living expenses. If you're currently struggling to stay under SSI's $2,000 resource limit, opening an ABLE account can give you breathing room to save for larger expenses without risking your benefits.
To be eligible, you must have a disability that began before age 26 (or before age 46 under recent legislation). If you're eligible, opening an ABLE account is one of the smartest financial moves you can make.
Additional Programs Worth Exploring
Beyond the major federal programs, there are several other sources of financial assistance that people with disabilities should know about. Vocational Rehabilitation (VR) services, available through your state, can provide job training, education, and employment support at no cost. If you're interested in working, VR can be a game-changer.
Ticket to Work is a free Social Security program that provides career development and job placement services to SSDI and SSI recipients who want to work. It connects you with Employment Networks and State VR agencies and provides certain protections during medical reviews while you're participating.
LIHEAP (Low Income Home Energy Assistance Program) helps with heating and cooling costs, which can be a significant expense on a fixed income. Lifeline provides discounted phone and internet service to qualifying low-income households. Many utility companies also offer their own discount programs for people with disabilities or low-income customers.
State and local programs vary widely, so it's worth checking with your state's disability services office, local 211 hotline, or benefits counselors to learn what's available in your area. Many people are surprised to discover programs they didn't know existed.
Putting It All Together
Navigating multiple assistance programs can feel like a full-time job, but the combined value of these programs can make a meaningful difference in your quality of life. Start with the largest programs (SSI/SSDI, Medicaid, SNAP) and then work your way through additional resources. Keep organized records of your benefits and reporting requirements, and don't hesitate to ask for help from a benefits counselor if the process feels overwhelming.
Managing your disability benefits and finances shouldn't add more stress to your life. Purple offers a checking account built for SSI and SSDI recipients, with tools to help you track your resources, stay compliant, and make the most of your benefits.