If you have Obsessive-Compulsive Disorder (OCD) in Arizona, you may qualify for federal disability benefits like SSI and SSDI, as well as state programs such as AHCCCS and Medicaid waivers. This guide explains eligibility, how to apply, and where to get help.
Obsessive-Compulsive Disorder (OCD) can qualify for federal disability benefits if it is severe enough to prevent you from working. The Social Security Administration (SSA) uses a strict definition of disability. To qualify for Social Security Disability Insurance (SSDI), you must have worked and paid Social Security taxes, and have enough work credits. For Supplemental Security Income (SSI), you must have limited income and resources, regardless of work history. OCD is listed under mental health conditions in the SSA's Blue Book, but you must meet specific medical criteria or show your condition is equally severe. If approved, you may receive monthly cash benefits and access to Medicare or Medicaid.
Sources: SSA Disability Qualifications (accessed 2025-11-05), SSA Disability Benefits (accessed 2025-11-05)
In Arizona, people with Obsessive-Compulsive Disorder may qualify for state disability programs and Medicaid (AHCCCS). AHCCCS provides health insurance for people with disabilities, including those with mental health conditions. To qualify, you must be an Arizona resident, a U.S. citizen or qualified immigrant, and meet income limits. The gross monthly income limit for a single person is $1,305 as of February 2025. If you receive Social Security disability benefits, you may automatically qualify for AHCCCS.
Arizona also offers Medicaid waivers for people with developmental disabilities, but OCD is not always classified as a developmental disability. However, if your OCD is severe and meets clinical criteria, you may be eligible for services through the Division of Developmental Disabilities (DDD) or other state programs. The DDD is currently facing budget shortfalls, which may affect services and eligibility. Always check with the Arizona Department of Economic Security for the latest updates.
Learn more about Medicaid Waivers (HCBS)
Sources: AHCCCS Health Insurance for Disabled (accessed 2025-11-05), (accessed 2025-11-05)
Learn more about SSI & SSDI Work Incentives
Sources: SSA How to Apply for Disability (accessed 2025-11-05), AHCCCS How to Apply (accessed 2025-11-05), Ability360 Benefits 2 Work (accessed 2025-11-05)
Sources: SSA Disability Benefits (accessed 2025-11-05), SSA Disability Qualifications (accessed 2025-11-05)
State programs are subject to budget changes and may have waiting lists. Always check with the Arizona Department of Economic Security for the latest updates.
Learn more about Medicaid Waivers (HCBS)
Sources: AHCCCS Health Insurance for Disabled (accessed 2025-11-05), Arizona DDD Budget Shortfall (accessed 2025-11-05), Ability360 Benefits 2 Work (accessed 2025-11-05), (accessed 2025-11-05)
ABLE accounts allow people with disabilities to save money without losing eligibility for SSI, Medicaid, and other benefits. In Arizona, you can open an ABLE account through the state’s ABLE program. Contributions are tax-free, and funds can be used for qualified disability expenses. The account does not affect SSI or Medicaid eligibility up to $100,000.
Learn more about ABLE Accounts
Sources: SSA ABLE Accounts (accessed 2025-11-05)
| Program | Gross Monthly Income Limit (Single, 2025) | |---------|------------------------------------------| | SSI | $943 (federal) + possible state supplement | | AHCCCS | $1,305 | | SSDI | No income limit, but must meet work credit requirements |
Income limits may change. Always check with the Social Security Administration or AHCCCS for the latest information.
Sources: SSA SSI Limits (accessed 2025-11-05), AHCCCS Income Limits (accessed 2025-11-05)
If your income or condition changes, you must report it to Social Security and AHCCCS to avoid overpayments. Overpayments can result in repayment demands or loss of benefits. Report changes as soon as possible. Keep records of all communications.
Learn more about Avoiding Overpayments & Reporting Changes
Sources: SSA Reporting Changes (accessed 2025-11-05), AHCCCS Reporting Changes (accessed 2025-11-05)
Contact Ability360’s Benefits 2 Work program for free help with disability benefits and work incentives. Call 602-443-0720 or 866-304-WORK (9675), or email B2W@ability360.org.
Yes, if your OCD is severe enough to prevent you from working, you may qualify for federal disability benefits like SSI or SSDI. You must meet SSA’s medical criteria and provide evidence of your diagnosis and how it affects your daily life.
Apply for SSDI or SSI online at SSA.gov or at a local Social Security office. For AHCCCS, apply online or through the Department of Economic Security. Gather medical records and proof of income before applying.
For SSI, the federal limit is $943 per month for a single person in 2025. For AHCCCS, the limit is $1,305 per month. SSDI has no income limit, but you must meet work credit requirements.
Yes, there are work incentives that allow you to work and keep some benefits. SSDI and SSI have special rules for people with disabilities. Contact Ability360 or the Ticket to Work Help Line for help.
You may qualify for AHCCCS (Arizona Medicaid) if you have a disability and meet income limits. If you receive SSI or SSDI, you may also qualify for Medicare or Medicaid.
Yes, some state programs, like Medicaid waivers, may have waiting lists due to budget shortfalls. Check with the Arizona Department of Economic Security for the latest information.
This guide is for informational purposes only and is not legal or financial advice. Always consult with a qualified professional for personalized guidance.
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An ABLE account is a tax-advantaged savings account for people with disabilities. You can open one in Arizona through the state’s ABLE program. Funds can be used for qualified disability expenses.
Report changes to Social Security and AHCCCS as soon as possible to avoid overpayments. Keep records of all communications. You can report changes online, by phone, or in person.
If denied, you have the right to appeal. Seek help from a disability advocate or legal aid. You may need to provide additional medical evidence or attend a hearing.
Yes, Ability360’s Benefits 2 Work program offers work incentives planning and assistance. The Ticket to Work Help Line can also help you understand your options.
