Types of Disability Benefits Available in Texas

Social Security Disability Insurance (SSDI)

SSDI is a federal program for individuals who have worked and paid into the Social Security system. To qualify, you must:

• Have a medical condition that prevents you from working for at least 12 months or is expected to result in death.
• Have earned enough work credits through employment history.
• Meet the SSA’s definition of disability.

Benefits include a monthly cash payment and eligibility for Medicare after a 24-month waiting period.

Supplemental Security Income (SSI)

SSI is designed for people with limited income and resources, regardless of work history. To qualify, you must:

• Be disabled, blind, or age 65 or older.
• Meet strict income and asset limits.
• Be a U.S. citizen or meet specific non-citizen requirements.

SSI recipients in Texas may also be automatically eligible for Medicaid coverage.

Medicaid for Texans with Disabilities

Texas Medicaid offers health coverage to individuals with disabilities who meet the income and eligibility requirements. Programs include:

• STAR+PLUS: Managed care for adults with disabilities or those age 65 and older.
• Home and Community-Based Services (HCBS): Helps individuals receive care in their home or community rather than in institutions.

Temporary Assistance for Needy Families (TANF)

While not specifically a disability benefit, TANF may provide temporary financial assistance to low-income families where a parent is disabled or unable to work.

Veterans Disability Benefits

Veterans living in Texas may qualify for VA disability compensation if they have service-connected disabilities. This includes monthly payments and access to VA healthcare and services.

How to Apply for Disability Benefits in Texas

• Apply Online: You can apply for SSDI or SSI at ssa.gov.
• Call the SSA: Reach them at 1-800-772-1213 for help with the application process.
• Visit a Local SSA Office: In-person assistance is available at Social Security offices throughout Texas.
• Apply for Medicaid: Use the YourTexasBenefits.com portal to check eligibility and apply online.

Common Challenges for Texas Applicants

• Long wait times for decisions and appeals.
• Denials due to incomplete medical documentation.
• Navigating the complex eligibility rules for different programs.