If you have a disability, there are programs that can help you. This includes SSI and SSDI (monthly money), Regional Center services, and many discounts. Some programs just need a doctor's note; others need you to apply through Social Security.
People with Disabilities
This guide explains eligibility for disability-related discounts and services, including federal benefit programs, California services, and how to verify your status for discount programs.
Last Updated: January 2026
Programs You May Qualify For
Select which apply to you to see relevant programs:
I receive SSDI (Social Security Disability Insurance)Based on work history
I receive SSI (Supplemental Security Income)Based on financial need
I am a Regional Center clientDevelopmental disability services
I have a disabled parking placard
I have a VA disability rating
Federal Disability Programs
Social Security Disability Insurance (SSDI)
SSDI provides monthly benefits to people who have worked and paid Social Security taxes but can no longer work due to a qualifying disability.
**Eligibility:**
- Must have a medical condition expected to last at least one year or result in death
- Must be unable to perform substantial gainful activity (SGA)
- Must have earned enough work credits (typically 20 credits in the last 10 years)
**2026 Benefit Amounts:**
- Average monthly benefit: ~$1,580
- Maximum monthly benefit: ~$3,900
**Medicare:** SSDI recipients become eligible for Medicare after 24 months of receiving benefits.
**Apply:** [ssa.gov/disability](https://www.ssa.gov/disability/) or call 1-800-772-1213
Supplemental Security Income (SSI)
SSI provides monthly cash assistance to people with disabilities (and seniors 65+) who have limited income and resources.
**Eligibility:**
- Blind or have a qualifying disability
- Limited income (varies by living situation)
- Limited resources (under $2,000 individual / $3,000 couple)
- U.S. citizen or qualifying non-citizen
**2026 Benefit Amounts:**
- Federal: $967/month individual, $1,450/month couple
- California adds a state supplement increasing total benefits
**Medi-Cal:** SSI recipients in California automatically qualify for Medi-Cal.
**Apply:** [ssa.gov/ssi](https://www.ssa.gov/ssi/) or visit your local Social Security office.
Comparison: SSDI vs. SSI
| Feature | SSDI | SSI |
|---------|------|-----|
| Based on | Work history | Financial need |
| Work credits required? | Yes | No |
| Asset limits? | No | Yes |
| Health coverage | Medicare (after 24 months) | Medi-Cal (immediate) |
| Can receive both? | Yes, if you meet both requirements | Yes |
California Programs
Medi-Cal for People with Disabilities
California's Medicaid program provides comprehensive health coverage.
**Eligibility Pathways:**
- Receiving SSI (automatic enrollment)
- Low income with disability
- Working Disabled Program (higher income limits for those who work)
- Aged & Disabled Federal Poverty Level program
**What's Covered:**
- Doctor and hospital visits
- Prescription drugs
- Mental health services
- Durable medical equipment
- In-Home Supportive Services (IHSS)
- Long-term care
**Apply:** [BenefitsCal.com](https://benefitscal.com)
In-Home Supportive Services (IHSS)
IHSS helps people with disabilities remain safely in their homes by providing paid caregivers.
**Services Include:**
- Housecleaning, laundry, meal preparation
- Personal care (bathing, dressing, grooming)
- Accompaniment to medical appointments
- Protective supervision
- Paramedical services (under nurse supervision)
**Eligibility:**
- Must be on Medi-Cal
- Must meet functional needs assessment
**Apply:** Contact your county social services agency. See the [Public Assistance Guide](/eligibility/public-assistance.html) for office locations.
California Regional Centers
California's 21 Regional Centers provide services to people with developmental disabilities.
**Who Qualifies:**
- Intellectual disability
- Cerebral palsy
- Epilepsy
- Autism
- Other conditions requiring similar services (diagnosed before age 18)
**Services Include:**
- Case management and care coordination
- Early intervention services for infants/toddlers
- Day programs and supported employment
- Independent living services
- Respite care for families
- Behavioral services
Different discount programs accept different proof:
**SSI/SSDI Recipients:**
- Social Security award letter
- Medicare card (for SSDI after 24 months)
- Monthly benefit statement from SSA
**Veterans with Service-Connected Disabilities:**
- VA disability rating letter
- Veteran Health ID Card (VHIC)
**Regional Center Clients:**
- Individual Program Plan (IPP)
- Regional Center ID or eligibility letter
**Other Disabilities:**
- State Disabled Parking Placard (DMV form REG 195)
- Doctor's verification letter
- DMV Disabled Person ID card
California Disabled Parking Placard
**Permanent Placard (Blue):** For permanent disabilities affecting mobility.
**Temporary Placard (Red):** For temporary disabilities (up to 6 months).
**Disabled Person License Plates:** For permanent placards, you may also get DP plates.
**Apply:** Complete DMV form REG 195 with your healthcare provider's certification.
[dmv.ca.gov/portal/disabled-placards](https://www.dmv.ca.gov/portal/disabled-placards/)
Disability Discounts & Accommodations
Transit
- **BART:** 62.5% discount with RTC Discount Card
- **Muni (SFMTA):** Free for people with disabilities (with Clipper Card and qualifying documentation)
- **AC Transit:** Discounted fares with valid disability ID
- **Caltrain:** Discount for RTC cardholders
- **VTA:** Reduced fare with RTC card
- **Paratransit Services:** Door-to-door service for those unable to use fixed-route transit
**RTC (Regional Transit Connection) Discount Card:**
Provides discounted fares across multiple Bay Area transit agencies.
[clippercard.com/ClipperWeb/discounts](https://www.clippercard.com/ClipperWeb/discounts.html)
National & State Parks
**America the Beautiful Access Pass**
- Free lifetime pass for U.S. citizens with permanent disabilities
- Covers entrance fees at federal recreation sites
- 50% discount on some amenity fees
- [nps.gov/subjects/accessibility/access-pass.htm](https://www.nps.gov/subjects/accessibility/access-pass.htm)
**California State Parks Disabled Discount Pass**
- 50% discount on camping and day use
- Must have permanent disability
- [parks.ca.gov](https://www.parks.ca.gov/?page_id=1049)
Technology & Communications
**National Relay Service**
Free service for deaf, hard of hearing, or speech-disabled individuals.
- TTY: 711
- [fcc.gov/trs](https://www.fcc.gov/trs)
**California Phones**
Free specialized phones and equipment for people with hearing, vision, cognitive, or mobility disabilities.
[californiaphones.org](https://californiaphones.org/)
**Apple Accessibility**
Built-in accessibility features on all Apple devices.
[apple.com/accessibility](https://www.apple.com/accessibility/)
Museums & Cultural Institutions
Many Bay Area museums offer free or reduced admission and accessibility accommodations:
- **California Academy of Sciences:** Quarterly Free Community Days, accessibility programs
- **De Young/Legion of Honor:** Free admission first Tuesday of each month, accessibility services
- **Exploratorium:** Accessibility resources and sensory-friendly hours
- **Bay Area Discovery Museum:** Accessibility accommodations available
**Museums for All:** EBT cardholders (which often includes SSI recipients) receive $3 admission at participating museums.
[museums4all.org](https://museums4all.org/)
Utilities
- **CARE Program (PG&E):** 20%+ discount for low-income households, including many SSI recipients
- **FERA Program:** 18% discount for households slightly above CARE limits
- **Medical Baseline Allowance:** Additional energy at lowest rate for those with qualifying medical conditions
- **Lifeline:** Discounted phone service
See the [Utility Programs Guide](/eligibility/utility-programs.html) for full details.
ADA Rights & Accommodations
The Americans with Disabilities Act (ADA) guarantees rights in employment, public services, public accommodations, and telecommunications.
Independent Living Centers provide advocacy, information, and services for people with disabilities.
- **Center for Independent Living (CIL):** Alameda and Contra Costa Counties – (510) 841-4776 – [thecil.org](https://www.thecil.org/)
- **Independent Living Resource Center San Francisco:** (415) 543-6222 – [ilrcsf.org](https://www.ilrcsf.org/)
- **Silicon Valley Independent Living Center:** Santa Clara County – (408) 894-9041 – [svilc.org](https://www.svilc.org/)
- **Marin Center for Independent Living:** (415) 459-6245 – [marincil.org](https://www.marincil.org/)
Legal Aid
**Disability Rights California**
Statewide protection and advocacy organization.
1-800-776-5746
[disabilityrightsca.org](https://www.disabilityrightsca.org/)
**Bay Area Legal Aid**
Free civil legal services for low-income residents.
(510) 250-5270
[baylegal.org](https://baylegal.org/)
Frequently Asked Questions
Q: Can I work and still receive SSDI or SSI?
A: Yes, both programs have work incentives. SSDI has a Trial Work Period and Ticket to Work program. SSI has earned income exclusions. Contact Social Security or a benefits counselor before starting work to understand how earnings affect your benefits.
Q: I was denied disability benefits. What can I do?
A: You can appeal within 60 days of receiving your denial. Many claims are approved on appeal. Consider getting help from a disability rights organization or attorney (most work on contingency for disability cases).
Q: How long does it take to get approved for SSDI or SSI?
A: Initial decisions typically take 3-6 months. If you need to appeal, it can take 1-2 years or longer. SSI may provide interim benefits while your case is pending if you appear likely to qualify.
Q: What’s the difference between a handicap placard and a disability rating?
A: A disabled parking placard (from DMV) is specifically for mobility impairments affecting parking. A disability rating (from Social Security or VA) is a determination of overall disability for benefits purposes. You can have one without the other.