Living with a disability comes with many unexpected expenses that Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI) don’t fully cover. From medical care to transportation and assistive technology, these extra costs add up quickly, making it difficult for many individuals to maintain financial stability.
This article explores the hidden costs of disability, why government benefits often fall short, and how to find financial resources to bridge the gap.
The True Cost of Living with a Disability
Even with SSI or SSDI, many people with disabilities struggle to afford essential items and services. Here are some of the biggest hidden expenses:
1. Medical & Healthcare Costs
Copayments, deductibles, and out-of-pocket medical expenses
Prescription medications not covered by Medicaid or Medicare
Specialized therapies (physical, occupational, speech therapy)
Personal care attendants and home health aides
2. Assistive Technology & Equipment
Wheelchairs, prosthetics, hearing aids, and adaptive devices
Home modifications (ramps, stairlifts, accessible bathrooms)
Vehicle modifications (wheelchair lifts, hand controls)
3. Transportation Costs
Paratransit services and accessible ride-sharing fees
Higher maintenance costs for adapted vehicles
Limited public transportation options in rural areas
4. Housing & Utility Expenses
Higher rent for accessible housing options
Increased utility costs (medical equipment, climate control needs)
Home maintenance and modifications
5. Employment Barriers & Costs
Job coaching and vocational training
Adaptive equipment for the workplace
Reduced work hours due to health conditions
Why SSI and SSDI Benefits Aren’t Enough
Although SSI and SSDI provide financial assistance, they often fall short of covering these additional expenses. Here’s why:
Low Benefit Amounts: The maximum SSI benefit in 2025 is $967/month, while the average SSDI payment is $1,976/month—far below the cost of living.
Asset Limits for SSI: Individuals can only have $2,000 in savings ($3,000 for couples), making it difficult to save for emergencies or large purchases.
Earnings Restrictions: Working can reduce or eliminate benefits, making financial stability challenging.
Ways to Offset the Hidden Costs of Disability
1. Apply for Additional Financial Assistance
Medicaid Waivers – Covers services like personal care, assistive tech, and home modifications.
Supplemental Nutrition Assistance Program (SNAP) – Helps with grocery costs.
Low-Income Energy Assistance Programs (LIHEAP) – Reduces utility bills.
2. Consider an ABLE Account
Allows you to save up to $18,000 per year (2025 limit) without affecting SSI benefits.
Funds can be used for disability-related expenses like housing, healthcare, and assistive technology.
3. Use Nonprofit and Community Resources
National Disability Organizations – Many offer financial aid and grants.
Local Charities – Some provide emergency assistance, medical equipment, and transportation support.
How Purple Can Help
Managing disability-related expenses can be overwhelming, but Purple helps you track spending, find financial resources, and maximize your benefits.
Get started with Purple today and take control of your financial future!