Understanding Disability in Montana
Montana has an above-average disability rate (15th highest), with 14.3% of the civilian noninstitutionalized population reporting at least one disability. That translates to 156,093 people out of a total population of 1,088,176.
The most common disability type in Montana is ambulatory difficulty, affecting 67,655 residents (6.6% of the population), followed by cognitive difficulty at 60,358 (5.9%).
Economically, the median household income in Montana is $69,922, below the national median of $78,538. The poverty rate is 7.1%, below the national average of 8.7%. The unemployment rate stands at 2.3%.
Types of Disabilities in Montana
People may report more than one disability type. Ambulatory difficulty is the most prevalent in Montana, affecting 67,655 residents (6.6% of the population).
| Disability Type | Population | % of Total Pop. |
|---|---|---|
| Hearing difficulty | 56,063 | 5.2% |
| Vision difficulty | 26,418 | 2.4% |
| Cognitive difficulty | 60,358 | 5.9% |
| Ambulatory difficulty | 67,655 | 6.6% |
| Self-care difficulty | 23,630 | 2.3% |
| Independent living difficulty | 48,576 | 5.7% |
Need Help Filing in Montana?
- Average wait time: 217 days
- Initial approval rate: 47%
Not sure if you qualify? Check now →
Disability by Age Group
Disability rates increase significantly with age. In Montana, 45.6% of residents age 75 and over report at least one disability, compared to 6.0% among those under 5.
| Age Group | With Disability | Disability Rate |
|---|---|---|
| Under 5 | 10,503 | 6.0% |
| 5 to 17 | 21,794 | 9.2% |
| 18 to 64 | 54,045 | 13.3% |
| 65 to 74 | 33,219 | 25.0% |
| 75 and over | 36,123 | 45.6% |
Disability by Sex
| Sex | With Disability | Rate |
|---|---|---|
| Male | 83,154 | 15.1% |
| Female | 72,939 | 13.5% |
Males in Montana have a higher disability rate (15.1%) compared to females (13.5%). In total, 83,154 men and 72,939 women report at least one disability, which is less common nationally but seen in several states.
Disability by Race & Ethnicity
Disability rates vary across racial and ethnic groups in Montana. These disparities reflect broader patterns of health access, occupational risk, and socioeconomic factors.
| Race / Ethnicity | With Disability | Disability Rate |
|---|---|---|
| White | 134,000 | 14.3% |
| Black or African American | 657 | 11.8% |
| Asian | 883 | 9.8% |
| Hispanic or Latino | 5,233 | 11.0% |
Income & Poverty in Montana
The median household income in Montana is $69,922, significantly below the national median of $78,538. The poverty rate is 7.1%, below the national average of 8.7%. For people with disabilities, economic challenges are often amplified - people with disabilities are more than twice as likely to live in poverty compared to those without disabilities.
The unemployment rate in Montana stands at 2.3%, which affects the SSDI situation since applicants must demonstrate inability to engage in substantial gainful activity (SGA).
SSDI in Montana
The Social Security Disability Insurance (SSDI) program provides monthly benefits to people who have worked and paid Social Security taxes but can no longer work due to a qualifying disability.
| Stage | Montana Rate | National Avg. |
|---|---|---|
| Initial Application | 47% | 38% |
| Reconsideration | 22% | ~14% |
| Hearing (ALJ) | 53% | 56% |
| Average Wait (Initial) | 217 days | 227 days |
With an initial approval rate of 47%, Montana has a relatively favorable climate for SSDI applicants. Approximately 53% of initial applications are denied, meaning roughly 5 in 10 first-time applicants receive a denial letter.
Applicants in Montana benefit from relatively shorter processing times, averaging 217 days for initial claims, compared to the national average of 227 days. If your initial claim is denied, the reconsideration approval rate is 22%, and the hearing-level (ALJ) approval rate climbs to 53%.
Given these statistics, applicants in Montana should consider working with a disability advocate or attorney from the start. Represented claimants are statistically more likely to be approved, especially at the hearing stage where 53% of cases are won with legal help.
How to Apply for SSDI in Montana
Step 1: Check Your Eligibility
To qualify for SSDI, you must have earned enough work credits through Social Security taxes and have a medical condition that prevents you from performing substantial gainful activity (SGA). In 2024, SGA is defined as earning more than $1,550/month ($2,590 if blind).
Step 2: Gather Your Medical Evidence
Strong medical documentation is the most important factor in SSDI claims. Collect records from all treating physicians, hospitals, and clinics. In Montana, where only 47% of initial claims are approved, thorough medical evidence is critical.
Step 3: Submit Your Application
You can apply online at ssa.gov, by phone at 1-800-772-1213, or at your local Social Security office in Montana. The average processing time for initial claims in Montana is 217 days.
Step 4: If Denied, File an Appeal Promptly
With a 53% denial rate on initial claims in Montana, many applicants will need to appeal. You have 60 days from the date of your denial letter to request reconsideration. Do not miss this deadline.
Step 5: Request a Hearing Before an ALJ
If reconsideration is also denied, request a hearing before an Administrative Law Judge. In Montana, 53% of claimants win at the hearing level. This is where having legal representation makes the biggest difference.
Frequently Asked Questions
What is the disability rate in Montana?
According to the 2023 American Community Survey, 14.3% of the civilian noninstitutionalized population in Montana has at least one disability, totaling 156,093 residents. This is above the national average of 13.0%.
What is the SSDI approval rate in Montana?
The initial SSDI approval rate in Montana is approximately 47%, meaning about 53% of first-time applicants are denied. At the reconsideration level, the approval rate is 22%, and at the hearing level (before an ALJ), it rises to 53%.
How long does it take to get SSDI in Montana?
The average processing time for an initial SSDI application in Montana is 217 days. This is shorter than the national average of 227 days. If you need to appeal to a hearing, the total process can take 12 to 24 months or longer.
What should I do if my SSDI claim was denied in Montana?
If your SSDI claim was denied in Montana, you have 60 days to file an appeal. With only a 22% reconsideration approval rate, many claimants proceed to a hearing before an Administrative Law Judge, where 53% of cases are approved. Working with a disability lawyer or advocate significantly improves your chances, as they can help prepare medical evidence and represent you at your hearing.
What is the median household income in Montana?
The median household income in Montana is $69,922, below the national median of $78,538. The poverty rate in Montana is 7.1%, compared to the national average of 8.7%.
Do I need a lawyer to apply for SSDI in Montana?
While you can apply for SSDI on your own, statistics suggest that representation matters - especially in Montana where 53% of initial claims are denied. At the hearing level, claimants with attorneys win at significantly higher rates. Disability attorneys work on contingency, meaning they only get paid if you win your case (typically 25% of back-pay, capped at $7,200).
Counties in Montana
Explore disability statistics for individual counties in Montana. Select a county for detailed data.
Check If You Qualify for Disability Benefits
Answer a few quick questions to see if you may be eligible for SSDI or SSI. It takes about 2 minutes and it is completely free.
Sources & Methodology
All data for Montana is compiled from official government sources. Disability statistics are from the most recent available data.
- U.S. Census Bureau - American Community Survey 5-Year Estimates, Table S1810 (Disability Characteristics), 2023
- U.S. Census Bureau - American Community Survey 5-Year Estimates, Table DP03 (Selected Economic Characteristics), 2023
- Social Security Administration - SSI Recipients by State and County, 2024
- Social Security Administration - SSDI approval and processing data, Fiscal Year 2024