Maryland Short Term Disability: Benefits and How to Apply

Some may worry they won’t qualify for help if their disability is short-term, but Maryland’s Temporary Disability Assistance Program (TDAP) supports you during exactly these periods. You don’t need to wait for federal approval, state aid steps in if you’re low-income, disabled, and without dependent children.

You must prove your disability and meet income limits, which raises questions about how to start and support your application.

Key Takeaways

• Maryland’s Temporary Disability Assistance Program (TDAP) offers up to $185 monthly for low-income residents temporarily unable to work due to medical conditions without dependent children.
• Eligibility requires Maryland residency, disability verified by a licensed medical practitioner lasting at least three months, and income/assets below set limits.
• Applicants with disabilities expected to last 12 months or more must apply for Supplemental Security Income (SSI) and can receive TDAP while SSI is pending.
• Income eligibility includes countable income under $185 monthly, excluding certain in-kind benefits, with assets capped at $1,500 except for exempt items like the applicant’s home.
• Applications can be submitted in person, by mail, fax, electronically, with local DSS offices and Maryland Access Point providing assistance and appeal support if needed.

Overview of Maryland’s Temporary Disability Assistance Program (TDAP)

The Temporary Disability Assistance Program (TDAP) offers financial support to low-income Maryland residents who are temporarily disabled and unable to work, providing up to $185 per month.

This program targets disabled Marylanders without children under 18 and requires medical verification from a licensed practitioner confirming an inability to work for at least three months.

Your countable income mustn’t exceed $185, and assets are limited to $1,500, excluding exempt items like your home.

You can apply through your local department of social services in person, by mail, fax, or electronically, ensuring you have support during short-term disability periods.

Eligibility Criteria for TDAP Benefits

Although you face a temporary disability that prevents you from working, you must meet specific eligibility criteria to qualify for TDAP benefits.

To be eligible for the TDAP program, you must be unable to work for at least three months due to a medical condition, certified by a licensed medical practitioner. You also cannot have any dependent children under 18 living with you, and your countable income must not exceed $185, though certain income sources are excluded from this calculation.

Your monthly resources must remain below $1,500, not counting essential assets like your home and personal belongings. While receiving TDAP, you may also qualify for additional support such as housing aid and access to health services, helping you manage daily needs during your recovery.

If your disability is expected to last a year or more, you’re also required to apply for SSI to ensure long-term support.

Income and Asset Limits Under TDAP

When applying for TDAP benefits in Maryland, it’s important to understand how your income is calculated, including what is counted and what may be excluded.

Your countable income—combined with your spouse’s income, minus a $185 disregard from their earnings, must not exceed $185 per month to qualify. Additionally, your total resources must remain under $1,500, though key assets like your home and personal belongings are excluded from this limit.

This income and asset structure is especially relevant for solo parents and financially challenged families navigating temporary disability without a stable income stream. Understanding these guidelines helps ensure that eligible applicants receive the support they need during difficult times.

Income Considerations

Countable income under Maryland’s Temporary Disability Assistance Program (TDAP) must stay at or below $185 per month, combining both earned and unearned income to qualify for benefits.

When calculating your income, your spouse’s income is considered, but $185 of it’s disregarded to help maintain your eligibility. In-kind income, such as vendor payments, isn’t counted toward this limit.

Remember, TDAP also requires that your total assets not exceed $1,500, with exemptions applied to your home and personal items.

These income and resource limits guarantee assistance reaches those who genuinely need it.

Asset Restrictions

Income limits under Maryland’s Temporary Disability Assistance Program (TDAP) work alongside specific asset restrictions designed to ascertain aid reaches those with limited resources.

You must have monthly assets not exceeding $1,500, including cash and liquid resources. Certain assets, like your home and personal items, are exempt from counting toward the asset limit.

This structure guarantees that Disability Assistance Program benefits are targeted towards individuals who genuinely need them, providing necessary support during temporary disabilities.

Medical Documentation Requirements for TDAP

Medical documentation plays an essential role in the Temporary Disability Assistance Program (TDAP) application process, as a licensed medical practitioner must provide a detailed medical report verifying that you’re unable to work for at least three months due to a medical condition.

This report must include:

• A clear diagnosis and nature of your disability
• Confirmation that your condition prevents work for a minimum of three months
• The expected duration of your inability to work
• For disabilities lasting 12 months or longer, simultaneous SSI application is required

Failing to submit adequate medical documentation can result in your TDAP application being denied.

Application Procedures for TDAP in Maryland

Though the exact application process may vary by locality, you can submit your TDAP application in person at your local Department of Social Services office, or alternatively by mail, fax, or electronically. The Maryland Department requires a licensed medical practitioner’s report confirming your inability to work for at least three months. You must have no dependent children and countable income under $185 monthly. For any denial or changes, submit appeals in writing within 90 days.

Step	Details
Apply	Local DSS office, mail, fax, or online
Medical Report	From licensed medical practitioner
Income Limit	Must be ≤ $185/month
Appeals	Written, within 90 days

Interaction Between TDAP and Supplemental Security Income (SSI)

Because TDAP provides short-term financial support, Maryland requires applicants disabled for 12 months or more to apply separately for Supplemental Security Income (SSI), which offers longer-term assistance through the Social Security Administration.

You should understand that:

• TDAP benefits are limited, with countable income capped at $185.
• SSI requires a separate application process and has its own income and asset limits.
• Receiving TDAP doesn’t guarantee SSI approval.
• If approved for both, benefits may overlap but are subject to combined income and resource calculations.

This guarantees you receive appropriate support tailored to your disability duration and financial needs.

Duration and Limitations of TDAP Benefits

Although the Temporary Disability Assistance Program (TDAP) is designed to provide financial support during periods of short-term disability, it doesn’t have a formally specified maximum duration.

You can receive TDAP benefits for up to 12 months within a 36-month period unless you apply for Supplemental Security Income (SSI) due to a disability expected to last 12 months or longer.

To continue receiving TDAP, you must demonstrate ongoing disability and reapply as necessary.

Keep in mind TDAP targets individuals without dependent children and provides monthly cash benefits of up to $185 to eligible low-income disabled Marylanders.

Appeals Process for TDAP Denials or Terminations

You can appeal any denial, termination, or reduction of Temporary Disability Assistance Program (TDAP) benefits by submitting a written appeal to your local Department of Social Services (DSS) office within 90 days of the action taken.

When filing a TDAP appeal, keep these key points in mind:

• Submit your appeal in writing, ideally in person, to guarantee proper processing.
• If you appeal within 10 days of termination, benefits may continue during the review.
• Clearly state your reasons and include supporting documents.
• After the decision, you must request to stop benefits if you don’t want them continued.

This process safeguards your right to challenge TDAP decisions efficiently.

Comparison of TDAP With SSI and SSDI Programs

The Temporary Disability Assistance Program (TDAP) offers short-term financial support for low-income Maryland residents with disabilities who can’t work for at least three months.

TDAP provides up to $185 monthly and requires medical documentation from a licensed practitioner.

In contrast, SSI delivers federal benefits to those with disabilities expected to last at least 12 months, with income limits up to $1,500.

TDAP recipients disabled beyond 12 months must apply for SSI for greater aid.

Unlike SSI, which is federally funded, TDAP is state-funded and designed as temporary relief before long-term disability supports like SSI or SSDI apply.

Role of Maryland Department of Social Services in TDAP

While you navigate the challenges of disability, the Maryland Department of Social Services (DSS) plays an essential role in administering the Temporary Disability Assistance Program (TDAP) to provide financial support to low-income residents without dependent children.

The Department manages the entire process, ensuring:

• Applications can be submitted in person, by mail, or electronically through local DSS offices.
• Disability verification is handled via a medical report from a licensed practitioner.
• Appeals for denial, termination, or reduction of benefits are accepted within 90 days.
• Updated eligibility criteria and procedures are available on the DSS website.

This structure helps you access TDAP efficiently and fairly.

Financial Support Provided by Maryland Short-Term Disability Programs

Maryland’s short-term disability programs, such as TDAP, provide cash benefits typically up to $185 per month for eligible low-income individuals who are temporarily unable to work due to a medical condition.

To qualify, you must meet specific criteria, including providing a medical report confirming your disability and demonstrating limited income and assets.

You can apply for these benefits at your local Department of Social Services office or through mail, fax, or electronic submission.

Cash Benefit Amounts

You can receive up to $185 per month through Maryland’s Temporary Disability Assistance Program (TDAP) if you qualify as a low-income disabled individual without dependent children.

These cash benefits provide essential financial support while you’re temporarily disabled or awaiting federal disability approval.

Key details include:

• Benefits last up to 12 months within a 36-month period unless you pursue SSI.
• You must have countable income not exceeding $185, with specific exclusions.
• Eligibility requires a medical report confirming your disability.
• The program is state-funded to assist those unable to work due to medical conditions.

Eligibility and Application

Eligibility for Maryland’s Temporary Disability Assistance Program (TDAP) requires that you be a resident of Maryland, unemployed due to a medical condition expected to last at least three months, and have a disability verified by a licensed medical practitioner.

To meet TDAP eligibility, your countable income mustn’t exceed $185 per month, and your resources can’t surpass $1,500, excluding certain exempt assets. You must have no children under 18 living with you.

If your disability has lasted 12 months or more, you’re required to apply for Supplemental Security Income (SSI).

You can apply at local social services offices or submit your application by mail, fax, or electronically.

Impact of Disability Duration on Benefit Eligibility

When a disability prevents you from working for at least three months but less than a year, you may qualify for Maryland’s Temporary Disability Assistance Program (TDAP), which provides short-term financial support for those without dependent children and limited income.

This program is designed for short-term disability assistance. Here are key points about the impact of disability duration on benefit eligibility:

• You can receive TDAP benefits for up to 12 months in a 36-month period.
• You must apply for SSI if your disability lasts over 12 months.
• The program supports individuals awaiting federal disability approval.
• It focuses on short-term disabilities.

Resources and Assistance for TDAP Applicants

When applying for TDAP, you’ll find multiple ways to submit your application, including in person, by mail, fax, or online through local Department of Social Services offices.

You’ll need medical documentation from a licensed practitioner to verify your disability, and assistance is available if you need help completing the application.

This support guarantees you can provide the necessary information accurately and meet the program’s requirements.

Application Assistance

Although applying for the Temporary Disability Assistance Program (TDAP) may seem overwhelming, you can submit your application through multiple accessible methods, including in person at your local Department of Social Services, by mail, fax, or electronically.

You can also have someone submit the application on your behalf if needed. To complete your application, a licensed medical practitioner must complete a medical report verifying your disability, which is essential for approval.

For application assistance, consider:

• Utilizing local social services offices for guidance
• Asking for help with form completion
• Providing the required medical documentation
• Checking updated information on the Maryland Department of Human Services website.

Medical Documentation Support

Providing detailed medical documentation plays a key role in verifying your eligibility for the Temporary Disability Assistance Program (TDAP).

You must submit a completed medical report from a licensed practitioner outlining your disability, expected duration of inability to work (minimum three months), specific functional limitations, and treatment plans.

To ease this process, local social services offices offer guidance and resources to help you obtain the necessary medical documentation.

Additionally, organizations like Maryland Access Point provide assistance with understanding these requirements and maneuvering the TDAP application, ensuring you meet all documentation standards for your claim.

Legal and Ethical Considerations in Applying for Disability Benefits

Ensuring honesty and full disclosure when applying for Maryland’s short-term disability benefits is crucial because submitting false or exaggerated information constitutes fraud and can lead to criminal charges and fines.

You must provide a medical report from a licensed practitioner to verify your disability. If disabled for 12 months or more, applying for Social Security Supplemental Security Income (SSI) is legally required.

To safeguard your claim, consider legal advice when managing income disclosures and program requirements.

• Submit accurate medical documentation to support your claim
• Disclose all income sources to meet program limits
• Apply for SSI if disability extends beyond 12 months
• Avoid fraud to prevent legal and financial consequences

Contact Information and Support Services for Maryland Disability Benefits

When applying for Maryland’s short-term disability benefits, you’ll need more than just accurate medical documentation; knowing where to turn for guidance and support is of similar significance.

The Maryland Department of Human Services offers valuable assistance at your local Department of Social Services office.

For additional resources, Maryland Access Point provides a user-friendly platform to navigate disability benefits.

If you’re seeking information on Supplemental Security Income (SSI) or Social Security Disability Insurance (SSDI), you can contact the Social Security Administration at 800-772-1213.

Short Term Disability Laws by State

Click on the state you’re interested in for a complete guide to its short term disability laws, eligibility rules, and benefits. If you notice any errors or missing information, please let us know through our contact page.

State	Short-Term Disability Status & What Matters
Alabama	No state law. Employer/private STD only. Check pre-existing exclusion (often 3–12 months).
Alaska	No state law. Employer/private STD only. Keep pay stubs & doctor notes for claims.
Arizona	No state law. Employer/private STD only. Paid sick time ≠ STD; use STD for multi-week conditions.
Arkansas	No state law. Employer/private STD only. Some employers add voluntary family-leave insurance (separate from STD).
California	State-mandated SDI. ~70–90% wage replacement, up to 52 weeks; 7-day waiting. Also Paid Family Leave.
Colorado	No STD law. PFML (FAMLI) live since 2024 for your own medical leave.
Connecticut	No STD law. CT Paid Leave active for your own serious health condition.
Delaware	No STD law. DE Paid Leave benefits start 2026; until then use employer/private STD.
Florida	No state law. Employer/private STD typical 40–70% pay, up to ~12 months; strong documentation helps.
Georgia	No state law. Employer/private STD only. File within 30–90 days of disability onset.
Hawaii	State-mandated TDI. ~58% pay up to 26 weeks; benefits often start day 8; pregnancy covered.
Idaho	No state law. Employer/private STD only. Request summary plan description for caps/offsets.
Illinois	No state law. Employer/private STD only. State paid leave ≠ STD; buy private STD if needed.
Indiana	No state law. Employer/private STD only. Ongoing physician certifications commonly required.
Iowa	No state law. Employer/private STD only. Typical elimination period 7–30 days.
Kansas	No state law. Employer/private STD only. Watch income caps that reduce benefits for high earners.
Kentucky	No state law. Employer/private STD only. Some employers offer voluntary family-leave insurance.
Louisiana	No state law. Employer/private STD only. Pregnancy usually covered as medical (not bonding).
Maine	No STD law. PFML benefits start 2026; use employer/private STD until then.
Maryland	No STD law. PFML benefits targeted 2028; use employer/private STD in the interim.
Massachusetts	No STD law. MA PFML active; paid medical leave replaces income for your own condition.
Michigan	No state STD. Employer/private STD only. Paid sick time ≠ STD.
Minnesota	No STD law. PFML benefits start 2026 for your own serious health condition.
Mississippi	No state law. Employer/private STD only. Build a paper trail (diagnoses, restrictions) before filing.
Missouri	No state law. Employer/private STD only. Check pre-existing lookback (commonly 3–12 months).
Montana	No state law. Employer/private STD only. Schedule provider visits early to meet deadlines.
Nebraska	No state law. Employer/private STD only. Coordinate PTO with STD waiting period.
Nevada	No state law. Employer/private STD only. State paid leave ≠ STD; use STD for longer disabilities.
New Hampshire	No STD law. Voluntary state PFML option via insurers may cover your medical leave.
New Jersey	State-mandated TDI (your condition) + FLI (family). Up to 26 weeks; strong wage replacement.
New Mexico	No state law. Employer/private STD only. Ask about partial disability for reduced hours.
New York	State-mandated DBL (your condition) + PFL (family). DBL typically 50% pay up to 26 weeks.
North Carolina	No state STD. Employer/private STD only. Some public programs show fixed caps and 60-day waits.
North Dakota	No state law. Employer/private STD only. Check offsets with unemployment/workers’ comp.
Ohio	No state law. Employer/private STD only. File promptly (often within 30–90 days).
Oklahoma	No state law. Employer/private STD only. Teacher maternity pay may exist but is not STD.
Oregon	No STD law. Paid Leave Oregon active; paid medical leave up to 12 weeks (14 in some pregnancy cases).
Pennsylvania	No state law. Employer/private STD only. Ask if recurrent disability avoids a new waiting period.
Rhode Island	State-mandated TDI (your condition) + TCI (family). Up to 30 weeks; formula-based benefit.
South Carolina	No state law. Employer/private STD only. Some employers add voluntary family-leave insurance.
South Dakota	No state law. Employer/private STD only. Elective procedures often excluded—check policy.
Tennessee	No state law. Employer/private STD only. Voluntary employer family-leave coverage is separate from STD.
Texas	No state law. Employer/private STD only. Voluntary employer family-leave insurance may exist; not STD.
Utah	No state law. Employer/private STD only. Self-employed should consider individual STD policies.
Vermont	No STD law. State runs voluntary PFML via private carrier; may cover medical leave.
Virginia	No STD law. Voluntary PFML insurance available to employers; STD still optional.
Washington	No STD law. WA PFML active; paid medical leave covers your own condition.
West Virginia	No state law. Employer/private STD only. Keep detailed work-restriction notes for claims.
Wisconsin	No state law. Employer/private STD only. Typical 50–75% pay for 4–26 weeks varies by plan.
Wyoming	No state law. Employer/private STD only. Confirm FMLA job protection alongside STD.

Frequently Asked Questions

How Does Short-Term Disability Work in Maryland?

Short-term benefits in Maryland through TDAP provide up to $185 monthly if you meet eligibility criteria: you must be disabled at least three months, have limited income and assets, and apply via local social services. You must pursue SSI if disabled longer than 12 months.

How Do I Get Temporary Disability in Maryland?

About 1 in 4 Marylanders live with a disability, making temporary benefits essential. To get TDAP, submit your application online, by mail, fax, or in person at your local social services, providing medical proof and income details. The process is precise but supportive.

What Conditions Qualify for Disability in Maryland?

Disability benefits in Maryland cover qualifying conditions that prevent you from working for at least 12 months, including severe physical or mental illnesses like cancer, heart disease, or major mental health disorders, verified by medical evidence.

What to Say to Qualify for Short-Term Disability?

To qualify for short-term disability, clearly explain how your verifiable medical condition prevents you from working for at least three months, ensuring your medical report aligns with eligibility criteria and accurately supports your application process.

Conclusion

Maryland’s TDAP acts like a safety net, catching you during periods when disability temporarily stops you from working. Imagine it as a bridge providing up to $185 monthly, keeping you steady until you can stand on your own again. Remember, this support is designed for low-income individuals without dependents, and securing benefits requires clear medical proof and meeting income limits. Steering through TDAP might feel complex, but it’s an essential lifeline on your recovery journey.