Disability benefits and discounts in Israel in 2026: by percentage and benefit
In short
- People receiving a Bituach Leumi benefit are also entitled to benefits from other bodies: health funds, public transport, the local authority, the Water Authority, the electricity company, banks and the Tax Authority.
- Some are automatic, because Bituach Leumi passes on lists of those entitled. For others you apply yourself, with a certificate from Bituach Leumi.
- Benefits depend on the type of pension and the percentage. Tell apart medical disability (the disability percentage) and the degree of incapacity (how much of your ability to work you have lost).
- If your disability pension stopped because of earnings from work, some benefits continue for another 36 months.
Everyone receiving a general disability pension
- Health fund: exemption from co-payments for various services — specialists, hospital referrals (hithayvut), institutes and outpatient clinics. Also for your spouse and children under 18. Automatic.
- Public transport: 50% off with a Bituach Leumi disability card. Update the profile on your Rav-Kav card or payment app. Work disability recipients and victims of hostilities get it too.
- Rehabilitation and mobility aids (wheelchair, walker, prostheses and more): the Ministry of Health may fund part. Apply through your family doctor before buying.
Benefits by percentage
| Who | What | How |
|---|---|---|
| Disability of 40% or more (Bituach Leumi or Ministry of Defence) | 4 teller transactions a month at the direct-channel fee, and the basic account plan | Ask your bank, with a certificate. Not at the Postal Bank |
| Psychiatric impairment of 40% or more | Ministry of Health rehabilitation basket: work, housing, social life and leisure | Through a mental health clinic, social services or your clinician |
| Medical disability of 70% or more | Up to 3.5 m³ of extra water a month at the low rate | Automatic, if your address is up to date with the Interior Ministry |
| Incapacity of 75% or more, permanent or for at least a year | Exemption from Bituach Leumi contributions even with income | Employees show their employer a certificate. Automatic for others |
| Incapacity of 75% or more | Arnona discount up to 80%. With a 90%+ medical disability: up to 40% | Apply to your local authority |
| Incapacity of 75% or more | Rent assistance or public housing, subject to further conditions | Ministry of Construction and Housing, or Alonim, Milgam or Meuf |
| Incapacity of 75% permanent, 90% weighted or 100% permanent, or 50% permanent for amputation or paralysis | Purchase tax discount on a home, twice only | Real estate tax office, with a Bituach Leumi certificate |
| Medical disability of 80% or more, permanent | Exemption or discount on consent fees at the Israel Land Authority | Israel Land Authority, *5575 |
| Medical disability of 90% or more for over 184 days, 100%, or blindness | Income tax exemption, up to an annual ceiling | Tax assessing officer, or a tax medical committee |
A general disability recipient with no income is exempt from contributions in any case. Parents of an adult child with a permanent incapacity of 74% or more who depends on them get 2 tax credit points.
Special services recipients
- Electricity: 50% off the first 400 kWh a month. Automatic, if the bill is in your name on the domestic rate. Questions: 103 or your electricity supplier.
- Foreign caregiver: the Population Authority relies on the dependency points set by Bituach Leumi.
- Water: up to 3.5 m³ of extra water a month at the low rate, at 112% or more.
Parents of a child receiving the disabled child allowance
- Electricity: 50% off the first 400 kWh, if the allowance is paid because the child depends on help or needs special medical care. Bituach Leumi notifies those entitled.
- Income tax: 2 tax credit points.
- Work: up to 18 days off a year from your sick leave, if you have worked for the same employer for at least a year.
- Education: a funded aide at kindergarten and school, from age 3. Ask the Ministry of Education.
- Health fund: exemption from fees for the child's medical services. Water: up to 3.5 m³ of extra water a month at the low rate. Arnona: up to 33% off on 100 m².
- Housing: a home purchase loan for those without a home and renovation help, under the Ministry of Construction and Housing's conditions.
- Child with a permanent disability: at 75% or more, no tax on early withdrawal from a provident fund. At 100%, or 90% weighted, a purchase tax discount. Request with form BL/3533.
Car and parking
- Disabled parking badge and vehicle licence fee exemption: for people who need a car because of a medical limitation. Apply on the Ministry of Transport website, with medical documents from the last 3 months.
- Bituach Leumi mobility allowance: a monthly payment and a loan for the taxes on a new car, with a mobility limitation of at least 40% if you hold a driving licence, or 60% without one.
Frequently asked questions
What does a 100% disability entitle me to?
It depends on whether it is medical disability or incapacity. With a 100% medical disability: income tax exemption, arnona discount up to 40%, water at the low rate and lower bank fees. If permanent, also purchase tax and Israel Land Authority discounts. The contributions exemption and rent assistance depend on the degree of incapacity.
Do people with disabilities get an electricity discount?
Not everyone. According to Bituach Leumi, 50% off the first 400 kWh goes to special services recipients and to parents of a disabled child who depends on help or needs special medical care. It is automatic.
What do I get with a 40% disability?
Lower bank fees, and with a psychiatric impairment of 40% or more, the rehabilitation basket. Most other benefits start at 70%, 75% or 90%.
Do I need to apply for these benefits?
Some are automatic: the health fund, water, electricity and the contributions exemption. For arnona, bank fees, purchase tax, housing and public transport, apply yourself with a Bituach Leumi certificate.
Calculators for this topic
Disability pension calculator
The pension by degree of incapacity, dependants' supplements and the effect of earnings.
Worth checking too
General Disability Allowance
A monthly allowance for people whose earning capacity fell by at least 50% because of illness, injury or a birth defect. Up to ₪4,711 a month.
Arnona discount
Up to 100% for seniors with the income supplement, up to 80% for disability, up to 90% for olim and the blind, and by income. Apply to your local authority.
Disability Tax Exemption (9(5))
People with a disability of 90% or more, or who are blind, pay no income tax on earnings up to ₪445,200 a year.
Disabled parking badge
Who qualifies for a disabled parking badge, who gets it without applying, where you can park with it and how to get a personal spot near home.
Mobility allowance
If a leg impairment limits your mobility: a monthly allowance for car owners or ₪2,581 without a car, and a loan for the taxes on a new car.
Attendance Allowance
For people aged 18 to retirement age who need a lot of help from another person with daily activities, or supervision. ₪1,943–₪9,126 a month.
Disabled Child Benefit
For parents of a child with an illness, impairment or dependence on others, from 91 days to 18. ₪1,943–₪9,126 a month, up to a year back.
Sources
This is general information, not legal advice. Amounts are correct as of the review date and change every January.