If you have Bipolar Disorder in California, you may qualify for disability benefits through federal programs like SSI and SSDI, as well as state programs such as State Disability Insurance (SDI) and Paid Family Leave (PFL). These programs provide income support, healthcare, and work incentives. This guide explains eligibility, how to apply, and what benefits are available in 2025.
To qualify for federal disability benefits like SSI or SSDI, you must have a medically determinable disability that prevents you from working for at least 12 months. Bipolar Disorder is recognized as a qualifying condition if it severely limits your ability to work. SSI is for those with limited income and resources, while SSDI is for those who have worked and paid Social Security taxes. Both programs require a formal application and medical evidence of your condition.
For both, you must provide medical records, treatment history, and documentation from healthcare providers.
In California, you may qualify for State Disability Insurance (SDI) if you are unable to work due to Bipolar Disorder, even if it is not permanent. SDI provides short-term wage replacement for up to 52 weeks. Paid Family Leave (PFL) can also be used for mental health-related leave, such as for treatment or recovery.
Starting in 2025, SDI and PFL benefits increased to 70%–90% of your wages, with a maximum weekly benefit of $1,681. You can file a claim up to 30 days before your leave starts. The Employment Development Department (EDD) must issue payment within 14 days of receiving your claim or the start date, whichever is later.
To qualify, you must be unable to perform your regular job duties due to your condition and have a medical certification from your provider.
ABLE accounts allow individuals with disabilities, including Bipolar Disorder, to save money without losing eligibility for means-tested benefits like SSI or Medicaid. Contributions are tax-free, and funds can be used for qualified disability expenses. California offers the CalABLE program.
Learn more about ABLE Accounts
For SSI, the federal income limit in 2025 is $943 per month for an individual. For SSDI, there is no income limit, but you must not be earning more than $1,620 per month (or $2,700 if blind) to be considered disabled. For SDI/PFL, there is no income limit, but benefits are capped at $1,681 per week in 2025.
If you receive more benefits than you are entitled to, you must report it and repay the overpayment. Changes in income, employment, or living situation must be reported to SSA or EDD. Failure to report can result in penalties or loss of benefits.
Learn more about avoiding overpayments and reporting changes
You can file your SDI or PFL claim up to 30 days before your leave starts. The EDD must pay your claim within 14 days of receiving it or the start date, whichever is later.
Yes, if your Bipolar Disorder prevents you from working, you may qualify for federal programs like SSI or SSDI, or state programs like SDI or PFL. You must provide medical evidence and meet eligibility requirements.
In 2025, SDI benefits are up to 70%–90% of your wages, capped at $1,681 per week. The exact amount depends on your income and the nature of your disability.
Yes, PFL can be used for mental health-related leave, such as for treatment or recovery from Bipolar Disorder. Benefits are up to 70%–90% of wages, capped at $1,681 per week in 2025.
You can apply for SDI/PFL online through the EDD website. For SSI/SSDI, apply online at SSA.gov or visit a local Social Security office. You will need medical records and other documentation.
You need a diagnosis from a licensed healthcare provider, treatment history, hospitalization records, therapy notes, and medication lists. The evidence must show how Bipolar Disorder affects your ability to work.
Yes, but there are limits. For SSI, you must not exceed the income limit. For SSDI, you must not earn more than $1,620 per month (or $2,700 if blind) to be considered disabled. For SDI/PFL, benefits are for short-term leave.
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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Medicaid waivers provide home and community-based services for those with disabilities, including mental health conditions. They can help with therapy, case management, and support services.
ABLE accounts allow individuals with disabilities to save money without losing eligibility for means-tested benefits. Funds can be used for qualified disability expenses, such as therapy or medication.
You must report and repay any overpayment. Failure to do so can result in penalties or loss of benefits. Report changes in income, employment, or living situation to SSA or EDD.
Yes, SDI and PFL are for short-term disabilities. If your Bipolar Disorder is temporary, you may still qualify for these programs.
