Income programs
- SSDI — Social Security Disability Insurance, based on past work and FICA contributions.
- SSI — Supplemental Security Income, for low-income adults and children with disabilities.
- VA disability compensation — for service-connected disabilities (see veterans page).
Healthcare
- Medicaid — automatic with SSI in most states.
- Medicare — kicks in 24 months after SSDI approval.
- Medicaid HCBS waivers — pay for in-home care, personal attendants, day programs.
Housing, employment, and daily life
- Section 811 — supportive housing for people with disabilities.
- Vocational Rehabilitation (VR) — state agency that funds training and job placement.
- ABLE accounts — tax-advantaged savings without losing SSI/Medicaid.
- Centers for Independent Living (CILs) — peer-led local resource centers.
How to apply for SSDI or SSI
Apply at SSA.gov or call 1-800-772-1213. Most initial applications are denied; if you're denied, file a reconsideration within 60 days. Free disability legal services and many private attorneys (paid only if you win) can help with appeals.