Montana Gov. Benefits Guide
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$140B
Government benefits go unclaimed every year in the U.S.
White House OMB, 2023
9M
Older adults are eligible for benefits but not enrolled
NCOA/Urban Institute, 2024
~100M
Americans receive some form of government assistance
U.S. Dept. of Health & Human Services, 2023
Explore the main benefit programs available and find the ones that apply to your situation.
Available programs in Montana
Monthly income if a disability stops you from working.
Monthly income if a disability stops you from working.
Social Security Disability Insurance (SSDI) pays a monthly benefit if you worked, paid Social Security taxes, and can no longer work because of a disability. Montanans file through the federal Social Security Administration, and a state agency (Disability Determination Services) makes the medical decision. Most first-time claims are denied, so strong medical evidence matters from the start.
AVERAGE MONTHLY CHECK
$1,630/mo
The average SSDI benefit paid to disabled workers nationwide in 2026
SSA 2026 COLA Fact Sheet
WORK LIMIT WHILE APPLYING
$1,690/mo
Earning above this substantial gainful activity amount can disqualify a non-blind applicant in 2026
SSA 2026 COLA Fact Sheet
HEALTH COVERAGE WAIT
24 months
Medicare begins 24 months after your SSDI cash benefits start
SSA / CMS, 2026
Who qualifies
How to apply
The fastest way to file a strong SSDI claim is through Turnout. We start with a free consultation and work on contingency, so you pay nothing unless you win. We gather your medical records and file the whole application for you.
Frequently asked questions
How long does an SSDI decision take in Montana?
Initial decisions typically take three to six months, and appeals can take longer. Filing a complete, well-documented claim up front is the best way to avoid delays.
Is SSDI different from SSI?
Yes. SSDI is based on your work history and payroll taxes, while SSI is based on financial need. Some people qualify for both.
Will working part-time hurt my claim?
It can. Earning more than $1,690 a month in 2026 (the non-blind substantial gainful activity limit) generally signals you are not disabled under Social Security rules.
Government resources
Related Turnout resources
Monthly cash for people with disabilities and limited income.
Monthly cash for people with disabilities and limited income.
Supplemental Security Income (SSI) pays a monthly benefit to people who are 65 or older, blind, or disabled and who have very little income and few assets. It does not require a work history. Montana adds a small state supplement on top of the federal payment for certain living arrangements, such as state-certified assisted living.
MAX FEDERAL PAYMENT
$994/mo
The most an individual can receive from federal SSI in 2026
SSA 2026 COLA Fact Sheet
ASSET LIMIT
$2,000 / $3,000
Countable resources must stay under $2,000 for an individual or $3,000 for a couple
SSA, 2026
MONTANA STATE ADD-ON
Up to $94/mo
Montana pays a supplement for certain living arrangements like state-certified assisted living
SSA, 2025
Who qualifies
How to apply
The fastest way to file a strong SSI claim is through Turnout. Your first consultation is free and we work on contingency, so you pay nothing unless you win. We handle the paperwork and help you document your income, assets, and medical condition.
Frequently asked questions
Does Montana add money to my federal SSI check?
Yes, but only for certain living arrangements such as state-certified assisted living, where the supplement can reach $94 a month. Most Montanans living independently receive only the federal amount.
Will I also get Medicaid if I get SSI?
Yes. In Montana, SSI recipients are automatically enrolled in Medicaid without a separate application.
Can I get SSI and SSDI at the same time?
Yes. If your SSDI benefit is low, SSI may top it up. This is called a concurrent claim.
Government resources
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Tax-free monthly payments for service-connected conditions.
Tax-free monthly payments for service-connected conditions.
VA disability compensation is a monthly, tax-free payment for veterans with a service-connected injury or illness. The amount depends on your disability rating and number of dependents. Montana adds its own benefits on top, including a property-tax break for veterans rated 100 percent disabled.
100% RATING PAYMENT
$3,938.58/mo
The monthly payment for a veteran alone rated 100 percent disabled in 2026
VA.gov Compensation Rates, 2026
MONTANA PROPERTY TAX
Up to 100% off rate
The Montana Disabled Veteran program cuts the property-tax rate on your home by 50 to 100 percent
Montana Dept. of Revenue, 2026
STATE BENEFIT VALUE
$1,913 avg
The average property-tax benefit received by Montana disabled veterans and surviving spouses in 2025
Montana Dept. of Revenue / Legislature, 2025
Who qualifies
How to apply
The fastest way to file or upgrade a VA disability claim is through Turnout. Your first consultation is free and we work on contingency, so you pay nothing unless you win. We help you gather evidence, connect the condition to your service, and file the claim.
Frequently asked questions
Is VA disability pay taxed in Montana?
No. VA disability compensation is tax-free at both the federal and Montana state levels.
How do I get the Montana property-tax break?
File Form MDV with your local Montana Department of Revenue field office by April 15. You must have a 100 percent service-connected rating and meet income limits.
What is the difference between the federal payment and the state benefit?
The federal VA pays a monthly cash benefit based on your rating. Montana's separate benefit reduces the property tax on your home; it does not add cash.
Government resources
Related Turnout resources
Health coverage and advocacy for people 65+ and some younger people.
Health coverage and advocacy for people 65+ and some younger people.
Medicare is federal health insurance for people 65 and older and for younger people who have received SSDI for 24 months. It has parts for hospital care, doctor visits, and prescription drugs. In Montana, free one-on-one help is available through the State Health Insurance Assistance Program (SHIP).
ELIGIBILITY AGE
65
Most people qualify for Medicare at age 65
CMS, 2026
DISABILITY WAIT
24 months
SSDI recipients qualify for Medicare after 24 months of cash benefits
SSA / CMS, 2026
FREE MONTANA COUNSELING
1-800-551-3191
Montana SHIP offers free, unbiased Medicare counseling statewide
Montana DPHHS SHIP, 2026
Who qualifies
How to apply
The fastest way to get Medicare enrollment and plan help is through Turnout. Our Medicare advocacy is covered by Medicare at no cost to you, so there is no fee. We compare your options and make sure you avoid late-enrollment penalties.
Frequently asked questions
When should I sign up to avoid a penalty?
Sign up during the seven-month window around your 65th birthday. Missing it can mean permanent late-enrollment penalties on Part B and Part D.
Is Montana SHIP the same as Medicare?
No. SHIP is a free state counseling program run through Montana's Area Agencies on Aging; it helps you understand and choose Medicare coverage but does not sell insurance.
Do I need Medicare if I already have Medicaid?
If you qualify for both, they work together. Medicare pays first and Medicaid helps cover costs Medicare does not.
Government resources
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Making sure your child gets every service they're entitled to.
Making sure your child gets every service they're entitled to.
An Individualized Education Program (IEP) is a legal plan that spells out the special-education services a child with a disability receives in public school. In Montana, the Office of Public Instruction (OPI) oversees the process, and your school district must evaluate your child within 60 calendar days of your written consent. You are an equal member of the team that writes the plan.
EVALUATION DEADLINE
60 calendar days
The school must finish the evaluation within 60 calendar days after you sign consent
Montana OPI, 2026
AGES COVERED
3 to 18
Montana serves eligible students from age 3 through 18, and up to age 20 in some cases
Montana OPI, 2026
PLAN START
30 calendar days
An IEP must be developed within 30 calendar days of deciding a child is eligible
Montana OPI, 2026
Who qualifies
How to apply
The fastest way to secure the right services for your child is through Turnout. Our education advocates prepare with you and join IEP meetings so you are never alone at the table. We help you request an evaluation and hold the district to its deadlines.
Frequently asked questions
How do I start the IEP process?
Put your request for a special-education evaluation in writing to your child's school. The 60-calendar-day evaluation clock starts when you return signed consent.
What if I disagree with the school's evaluation?
You can submit a dissenting report, request an Independent Educational Evaluation at the district's expense, or file a state complaint with OPI.
Is an IEP the same as a 504 plan?
No. An IEP provides specialized instruction under IDEA, while a 504 plan provides accommodations under a different civil-rights law. A child may qualify for one or both.
Government resources
Related Turnout resources
Free or low-cost health coverage for qualifying Montana residents.
Free or low-cost health coverage for qualifying Montana residents.
Montana Medicaid (also called Montana Healthcare Programs) is free or low-cost health coverage for people with low income. Montana expanded Medicaid, so most adults under 65 qualify if they earn up to 138 percent of the federal poverty level. The program is run by the Montana Department of Public Health and Human Services (DPHHS), and children are covered through Healthy Montana Kids.
ADULT INCOME LIMIT
138% FPL
Adults ages 19 to 64 qualify with income up to 138 percent of the federal poverty level
Montana DPHHS, 2026
KIDS COVERED UP TO
261% FPL
Children can be covered through Healthy Montana Kids up to about 261 percent of poverty
Montana DPHHS, 2026
MONTANANS COVERED
210,942
About 210,942 Montanans were enrolled in Medicaid or CHIP as of October 2025
Montana DPHHS / healthinsurance.org, 2025
Who qualifies
How to apply
Apply online at apply.mt.gov, by phone at 1-888-706-1535, or in person at a local Office of Public Assistance. Have your ID, Social Security numbers, proof of Montana residency, and recent income on hand. Most decisions come within 45 days.
Frequently asked questions
Are there new work requirements in Montana?
Yes. Under a 2025 federal law, most Medicaid expansion adults ages 19 to 64 must document 80 hours a month of work or approved activity, with tracking beginning in July 2026 and full enforcement in October 2026.
Will Montana take my house if I use Medicaid?
Not for the expansion (HELP) program -- Montana does not pursue estate recovery for expansion enrollees. Estate recovery can apply to certain enrollees age 55 and older in other categories.
Is Montana Medicaid the same as the ACA Marketplace?
No. Medicaid is free or low-cost coverage for lower incomes, while the Marketplace at HealthCare.gov sells subsidized private plans for higher incomes.
Government resources
Related Turnout resources
Monthly grocery benefits on a Montana Access Card, accepted at most stores.
Monthly grocery benefits on a Montana Access Card, accepted at most stores.
SNAP (the Supplemental Nutrition Assistance Program, once called food stamps) helps you buy groceries each month. In Montana, benefits load onto a Montana Access Card that works like a debit card. The program is run by DPHHS, and Montana uses broad-based categorical eligibility, so more households qualify than in states that use the strict federal limit.
MAX BENEFIT, FAMILY OF 4
$994/mo
The most a family of four can receive in fiscal year 2026
USDA FNS FY2026 COLA memo
GROSS INCOME LIMIT
200% FPL
Montana raises the gross income limit to 200 percent of poverty for most households
Montana DPHHS, 2026
EMERGENCY DECISION
7 days
Households in urgent need can receive expedited benefits within 7 days
USDA FNS, 2026
Who qualifies
How to apply
Apply online at apply.mt.gov, by phone at 1-888-706-1535, or at your local Office of Public Assistance. Bring your ID, proof of income from the last 30 days, and housing costs. A short interview is required, and standard decisions come within 30 days.
Frequently asked questions
What is the Montana Access Card?
It is Montana's EBT card. Your monthly SNAP benefits are loaded onto it and you swipe it at grocery stores, many farmers markets, and approved online retailers.
Can I get benefits faster in an emergency?
Yes. If you have very low income and little cash on hand, you may qualify for expedited SNAP within 7 days.
Do the new work rules affect me?
A 2025 federal law expanded work requirements to able-bodied adults up to age 64 and to parents whose youngest child is over 14; check whether an exemption applies to you.
Government resources
Related Turnout resources
Nutrition support for moms, infants, and young children.
Nutrition support for moms, infants, and young children.
WIC (Women, Infants, and Children) gives pregnant people, new parents, and young children healthy food, nutrition advice, and breastfeeding support. In Montana it is run by DPHHS, and benefits load onto an eWIC card managed through the Healthy Together app. If you already get Medicaid, SNAP, or TANF, you are automatically income-eligible.
INCOME LIMIT
185% FPL
Households earning up to 185 percent of poverty qualify for Montana WIC
Montana DPHHS / USDA, 2026
AGE COVERED
Under 5
Children can receive WIC from birth up to their fifth birthday
Montana DPHHS, 2026
WIC REACH (NATIONAL)
About 56%
Nationally about 56 percent of eligible people got WIC in 2023; Montana's own rate is among the lowest at about 43 percent
USDA FNS, 2023
Who qualifies
How to apply
Montana WIC has no online application -- call your local WIC clinic or use the clinic finder at dphhs.mt.gov/ecfsd/wic. Bring ID, proof of Montana address, and proof of income (not needed if you are on Medicaid, SNAP, or TANF). Benefits are usually issued the same day.
Frequently asked questions
Do I need to prove I am pregnant?
No. Montana WIC does not require proof of pregnancy; you can enroll based on your own statement.
What is the eWIC card?
It is a card like a debit card that holds your monthly food benefits. You can check your balance and scan foods with the Healthy Together app.
Can fathers or grandparents apply for a child?
Yes. Any parent, guardian, or caregiver raising a child under 5 can apply on the child's behalf.
Government resources
Related Turnout resources
Help paying winter heating bills and furnace emergencies.
Help paying winter heating bills and furnace emergencies.
LIHEAP (the Low Income Home Energy Assistance Program) helps pay winter heating bills and furnace emergencies. In Montana, DPHHS runs it through the Intergovernmental Human Services Bureau, and you apply through your local Human Resource Development Council (HRDC). Getting LIHEAP can also unlock a discount on your NorthWestern Energy bill.
INCOME LIMIT
60% of state median
Most households qualify with income up to 60 percent of the state median income
Montana DPHHS / LIHEAP Clearinghouse, 2026
MAX HEATING BENEFIT
$3,228
The maximum regular heating benefit for fiscal year 2026
LIHEAP Clearinghouse, 2026
HEATING SEASON
Oct 1 - Apr 30
The regular heating-assistance season runs October 1 through April 30
Montana DPHHS, 2026
Who qualifies
How to apply
Apply online at apply.mt.gov or through your local HRDC eligibility office. Bring your most recent heating and electric bills, income proof, and household information. Expect a decision within about 45 days.
Frequently asked questions
Who actually processes my LIHEAP application?
Your local Human Resource Development Council (HRDC) handles applications, though you can start online at apply.mt.gov. There are HRDCs and tribal LIHEAP offices serving every county.
Can LIHEAP help in a heating emergency?
Yes. LIHEAP can assist with furnace emergencies and situations that threaten your household's health and safety.
Does getting LIHEAP lower my utility bill too?
Yes. If you qualify for LIHEAP, NorthWestern Energy automatically gives you a discount on your electric and natural gas bills.
Government resources
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Federal subsidies that reduce the cost of Marketplace health insurance.
Federal subsidies that reduce the cost of Marketplace health insurance.
The ACA Marketplace lets you buy private health insurance, often with income-based subsidies that lower your monthly premium. Montana uses the federal marketplace at HealthCare.gov rather than a state-run exchange. Most Montana enrollees get help paying their premium, though those subsidies shrank for 2026.
MONTANANS ENROLLED
73,255
About 73,255 Montanans selected a Marketplace plan for 2026, down from a record 77,221 in 2025
CMS / Montana CSI, 2026
GET PREMIUM HELP
Nearly 9 in 10
About 89 percent of Montana enrollees qualified for premium tax credits during 2026 open enrollment
healthinsurance.org / CMS, 2026
WHERE TO ENROLL
HealthCare.gov
Montana uses the federal HealthCare.gov marketplace, not a state exchange
CMS, 2026
Who qualifies
How to apply
Enroll at HealthCare.gov or call 1-800-318-2596 (24/7). Free local help is available from Cover Montana navigators at 1-844-682-6837. Have your household income estimate and Social Security numbers ready; open enrollment for 2027 coverage runs November 1 to December 15, 2026.
Frequently asked questions
Does Montana have its own health-insurance exchange?
No. Montana uses the federal marketplace at HealthCare.gov, so all enrollment happens on the federal platform.
Why did my subsidy go down for 2026?
The enhanced premium tax credits from the American Rescue Plan expired at the end of 2025, so many enrollees pay more this year unless Congress restores them.
Can I switch from the Marketplace to Medicaid?
Yes. If your income drops enough to qualify for Montana Medicaid, you can enroll in Medicaid any time of year.
Government resources
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Short-term cash and work support for families with children.
Short-term cash and work support for families with children.
TANF (Temporary Assistance for Needy Families) gives short-term cash help to very low-income families with children. In Montana the program is run by DPHHS, and adults must take part in a work and training program while receiving benefits. Cash assistance is limited to 60 months in an adult's lifetime.
MAX CASH, FAMILY OF 3
$725/mo
The most a family of three with no income can receive, after Montana raised the benefit from $588 in 2023
CBPP, 2024
LIFETIME LIMIT
60 months
Adults can receive TANF cash for no more than 60 months in their lifetime
Montana DPHHS, 2026
RESOURCE LIMIT
$3,000
Countable family resources must stay under $3,000
Montana DPHHS, 2026
Who qualifies
How to apply
Apply online at apply.mt.gov or at a local Office of Public Assistance; call 1-888-706-1535 with questions. Bring ID, Social Security numbers, income proof, and information on your children. Work-eligible adults join the state's WoRC / Pathways employment program.
Frequently asked questions
How much cash will my family actually get?
The most a family of three with no income can receive is about $725 a month, after Montana raised the benefit from $588 in 2023. Your actual payment is lower if you have other income, so contact DPHHS for your exact amount.
Is the income limit the same as the benefit amount?
No. The income limit decides whether you qualify - Montana screens your gross monthly income against the state's income standard for your family size, set at about 30 percent of the federal poverty level - while the benefit amount is the cash you actually receive. They are different numbers.
What is WoRC?
WoRC, now delivered through the Pathways program, is Montana's required work-readiness and employment component for TANF adults.
Government resources
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Up to $8,231 back for working individuals and families.
Up to $8,231 back for working individuals and families.
The Earned Income Tax Credit (EITC) is a refundable tax credit for people who work but earn low or moderate pay. Montana adds its own state EITC on top of the federal one, and starting with the 2026 tax year that match doubled to 20 percent of your federal credit. You must file both a federal and a Montana return to claim it.
FEDERAL MAX, 3+ KIDS
$8,231
The largest federal EITC for a family with three or more children in 2026
IRS Rev. Proc. 2025-32, 2026
MONTANA STATE MATCH
20% of federal
Montana's EITC equals 20 percent of your federal credit starting in tax year 2026
Montana Dept. of Revenue / HB 337, 2026
NO-CHILDREN MAX
$664
The largest federal EITC for a worker with no qualifying children in 2026
IRS Rev. Proc. 2025-32, 2026
Who qualifies
How to apply
Claim the EITC by filing your federal tax return with the IRS and your Montana return with the Department of Revenue. Free filing help is available through IRS Free File and VITA sites. The Montana credit is refundable, so you can get money back even if you owe no state tax.
Frequently asked questions
How much is Montana's state EITC?
For tax year 2026 it equals 20 percent of your federal EITC, up from 10 percent in prior years, thanks to House Bill 337.
Is the Montana credit refundable?
Yes. If the credit is larger than the tax you owe, Montana pays you the difference.
Do I have to claim the federal EITC to get the state one?
Yes. You must qualify for and claim the federal EITC to receive Montana's state credit.
Government resources
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Up to $2,200 per qualifying child under 17.
Up to $2,200 per qualifying child under 17.
The Child Tax Credit (CTC) lowers the taxes you owe for each qualifying child under 17, and part of it can come back as a refund. This is a federal credit claimed on your IRS return -- Montana does not have its own state child tax credit. Several bills to create one failed in the 2025 Montana Legislature.
FEDERAL MAX PER CHILD
$2,200
The maximum federal Child Tax Credit per qualifying child
IRS, 2026
REFUNDABLE PORTION
$1,700
Up to $1,700 per child can be refunded if the credit is larger than your tax
IRS, 2026
MONTANA STATE CTC
None
Montana does not have a state child tax credit as of 2026
Montana Legislature, 2025
Who qualifies
How to apply
Claim the Child Tax Credit on your federal IRS Form 1040 using Schedule 8812. Free filing help is available through IRS Free File and local VITA sites. There is no separate Montana state child tax credit to claim.
Frequently asked questions
Does Montana have its own child tax credit?
No. As of 2026 Montana has no state child tax credit; bills to create one, including Senate Bill 321, died in the 2025 Legislature.
How much is the federal credit per child?
Up to $2,200 per qualifying child, with up to $1,700 refundable.
Can I get the credit if I owe no taxes?
Partly. The refundable portion (up to $1,700 per child) can come back to you even if you owe no federal tax.
Government resources
Related Turnout resources
Subsidized child care for working Montana families.
Subsidized child care for working Montana families.
Child care help in Montana comes through the Best Beginnings Child Care Scholarship, which pays part of your child care costs so you can work or go to school. DPHHS runs it through its Early Childhood and Family Support Division and local Child Care Resource and Referral agencies. Families pay a small copay directly to their provider, capped at 9 percent of household income. As of 2026 Montana is accepting applications statewide with no general waitlist, though available funding can change.
INCOME LIMIT
185% FPL to enter
Families earning up to 185 percent of poverty can qualify to enter the program
Montana DPHHS / HB 648, 2026
FAMILY COPAY CAP
9% of income
Your copay to the provider is capped at 9 percent of household income
Montana HB 648 statute, 2023
CHILDREN SERVED
6,554
About 6,554 children received scholarships in state fiscal year 2024
KIDS COUNT / MT DPHHS data, SFY2024
Who qualifies
How to apply
Apply through the DPHHS Best Beginnings page; your application goes to the Child Care Resource and Referral agency for your county. Have proof of income, work or school hours, and your child care provider information ready.
Frequently asked questions
What is the actual income limit to get in?
Montana's entry limit is 185 percent of the federal poverty level -- the state's operating threshold, which is lower than the federal ceiling of 85 percent of state median income that federal rules allow.
How much will I pay?
You pay a copay directly to your provider on a sliding scale, capped at 9 percent of your household income.
Can I choose a relative or neighbor as my provider?
Yes. You can use licensed centers and homes or approved license-exempt Family, Friend, and Neighbor care.
Government resources
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Dozens of federal and state programs exist, from SNAP and Medicaid to SSI, VA disability, and housing help, and most people qualify for more than they realize. Radar, Turnout's free benefits scan, checks you against all of them in a few minutes.
Answer a few quick questions and Radar matches your situation against every major program, then shows what you may qualify for and how to apply.
Yes. Radar is completely free, and there's no cost to see your results or to get help applying.
Eligibility varies by state. Run a free Radar scan to see the programs available in Montana, including Medicaid, SNAP, and utility and childcare assistance.
You answer a short set of questions about your household. Radar screens them against SNAP, Medicaid, SSI, SSDI, VA disability, and more, and returns a personalized list of programs.
A few minutes. Radar is quick, and you get your results right away.
Disability (SSDI/SSI), Veterans benefits, Medicaid and health coverage, SNAP/food assistance, housing and utility help, childcare assistance, and education support, among others.
No. Radar just shows what you may qualify for. If you want, a Turnout advocate can help you apply and handle the paperwork.
Yes. Your information is kept confidential and used only to match you with benefits and, if you choose, help you apply.