ΣBenefitMath

Federal + stateFederal programs with state rules

Disability & VA Benefits Calculator

Estimate SSI, SSDI, SNAP, Medicaid and housing help in Oregon and Washington, or VA pay in any state. Tap any number to see the math behind it.

Example person loaded. Replace with your own numbers.
Where and who
Who buys and cooks food together
Monthly income
Use the amount before Medicare is taken out
Counts for SSI and SNAP, not for adult Medicaid. The VA tab can fill this in.
Pension, unemployment, child support received, cash from family
Housing and savings
Bank accounts, cash, stocks. Not your home or one car.
More details Optional. Medicare, blindness, medical and care costs, work expenses, ABLE, SSDI estimate
Used for ABLE eligibility
Disability costs you pay to be able to work (meds, rides, equipment)
From your Social Security statement. Leave blank to skip.
Your answers stay on this device. Nothing is sent anywhere.
Figures this calculator uses

Common questions

How this calculator works
  1. Pick Oregon or Washington and enter monthly income, rent and savings. The example person shows how it works; clear it to start fresh.
  2. Each benefit runs on its own published formula: SSA rules for SSI and SSDI, USDA rules with state utility allowances for SNAP, OHA/ODHS or HCA standards for Medicaid, and HUD rules for rent.
  3. Benefits affect each other. SSI counts as income for SNAP and housing, and getting SSI opens Medicaid and Extra Help, so the page calculates them in that order.
  4. The VA tab works for veterans in any state. It combines your ratings the way VA does, looks up your monthly pay with dependents, and checks Veterans Pension against its income and asset limits.
  5. Open "What it is and who qualifies" on any card for a plain explanation and the minimum requirements, and "Show the math" to check every step against the linked source.
How much SSI will I get if I work?

SSI ignores the first $20 of any income, then $65 of earnings and half of the rest. With the 2026 rate of $994, each $2 you earn above $85 lowers SSI by about $1, so working always raises your total income.

Can I work and keep SSDI?

Yes. A month with gross earnings over $1,210 uses one of 9 trial work months, and SSDI keeps paying. After those 9 months, SSDI stops for months when earnings after work expenses are over $1,690 ($2,830 if blind), but restarts for months under it during the 36-month extended period.

Will I lose Medicaid if I earn too much for SSI?

Often not. Section 1619(b) keeps Medicaid for former SSI recipients earning under a state threshold ($47,856 in Oregon, $73,897 in Washington for 2026). Oregon's EPD and Washington's HWD programs also cover working people with disabilities at higher incomes for a monthly fee or premium.

Does an ABLE account affect SSI or SNAP?

The first $100,000 in an ABLE account doesn't count against SSI's $2,000 asset limit, and ABLE money doesn't count for Medicaid. Since January 2026, you qualify if your disability began before age 46.

Why does my SNAP amount differ from my notice?

Caseworkers use your exact utility type, verified bills, how income is timed in the month, and who counts as your household. Small differences in any of these change the result. Use the math view to see which number drives your estimate.

How does the VA combine disability ratings?

VA doesn't add ratings. It applies your largest rating first, then applies each next rating only to the part of you still counted as able, and rounds the total to the nearest 10%. A 50% and a 30% rating make 65%, which rounds to 70%. Conditions on both arms or both legs get a small extra "bilateral factor" this page doesn't add.

Can I get VA disability and SSDI at the same time?

Yes. VA disability compensation doesn't reduce SSDI, and SSDI doesn't reduce VA compensation. VA payments do count as income for SSI and SNAP, but not for adult Medicaid, because they aren't taxable.

Can I get VA disability compensation and Veterans Pension together?

No. If you qualify for both, VA pays whichever is higher. Compensation is usually higher once your rating is 30% or more.

Do I have to pay someone to file a VA claim?

No. Accredited veterans service officers file claims for free. In Oregon, start with ODVA or your county veterans service office; in Washington, WDVA. Be wary of companies that charge a share of your back pay.

Is this an official eligibility decision?

No. It is an estimate from published rules. Only the agency can decide, so apply even if the estimate says no.