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Florida • Mental Health
People with Post-Traumatic Stress Disorder (PTSD) in Florida may qualify for federal disability benefits like SSI and SSDI, as well as state-specific programs and supports. Eligibility depends on medical evidence, income, and work history. This guide covers how to apply, what benefits are available, and where to get help.
To qualify for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) with PTSD, you must have a diagnosis from a qualified medical professional and show that your symptoms severely limit your ability to work or perform daily activities. For SSDI, you need a work history and enough Social Security work credits. For SSI, your income and resources must be below federal limits. In 2025, the Substantial Gainful Activity (SGA) limit is $1,620 per month for non-blind individuals and $2,700 for blind individuals. If you earn more than this, you may not qualify for benefits. The Social Security Administration (SSA) reviews your medical records, work history, and financial situation to decide eligibility.
Sources: SSA Disability Qualifications, SSA SSI/SSDI Income Limits 2025
In Florida, the Division of Disability Determinations reviews medical eligibility for Social Security disability programs (SSDI and SSI) and the state Medically Needy program. Florida does not have a separate state disability program for adults, but it offers additional supports like Medicaid waivers, crisis services, and special needs registries. To qualify for state services, you must first be approved for federal disability benefits or meet Florida’s criteria for medical need. Florida also provides resources for people with disabilities, including the Florida Agency for Persons with Disabilities and the Florida Alliance for Assistive Services and Technology. These agencies can help with housing, employment, and daily living supports.
Sources: SSA How to Apply for Disability, Florida Department of Health Disability Determinations
Sources: SSA Disability Programs, SSA Work Incentives
Florida Agency for Persons with Disabilities
Sources: Florida Department of Health Disability Programs, Florida Agency for Persons with Disabilities
ABLE accounts let people with disabilities save money without losing SSI or Medicaid benefits. In Florida, you can open an ABLE account through the state’s ABLE United program. Funds can be used for qualified disability expenses like housing, education, and transportation. Contributions are limited each year, and there are tax benefits.
Learn more about ABLE Accounts
Sources: ABLE United Florida
Sources: National Disability Institute 2025 SSI/SSDI Limits
If your income, work, or medical status changes, you must report it to the SSA to avoid overpayments. Overpayments can happen if you earn too much, get other benefits, or fail to report changes. You may have to repay overpayments, but there are ways to avoid or reduce them. Always report changes as soon as possible.
Learn more about Avoiding Overpayments & Reporting Changes
Sources: SSA Reporting Changes
Contact the Florida Agency for Persons with Disabilities or your local Social Security office for help with applications and eligibility questions.
Yes, PTSD can qualify for SSI or SSDI if it severely limits your ability to work or do daily activities. You need a diagnosis and medical records showing how your symptoms affect your life. Florida uses federal guidelines for eligibility.
The maximum SSI payment in 2025 is $967 per month for an individual and $1,450 for a couple. Your actual payment may be lower based on your income and resources.
You can apply online at SSA.gov, by phone, or in person at a Social Security office. You will need medical records, proof of income, and identification. Florida’s Division of Disability Determinations reviews medical eligibility.
Florida offers Medicaid waivers, crisis services, special needs registries, and supports through the Florida Agency for Persons with Disabilities. These programs help with housing, employment, and daily living.
Yes, but your earnings must be below the SGA limit ($1,620/month in 2025 for non-blind individuals). Work incentives can help you keep benefits while working.
An ABLE account lets you save money for disability expenses without losing SSI or Medicaid benefits. Florida’s ABLE United program offers tax benefits and flexible use of funds.
Disclaimer: This guide is for informational purposes only and does not constitute legal or financial advice. Always consult with a qualified professional for personalized guidance.
Sources: Florida Department of Health Disability Determinations, Florida Agency for Persons with Disabilities
Yes, you must report any changes in income, work, or medical status to the SSA to avoid overpayments. Failing to report changes can result in having to repay benefits.
Social Security disability payments usually continue during a shutdown, but new applications, appeals, and office services may be delayed or paused.
The approval process can take several months. The SSA reviews your application, medical records, and may request more information or a medical exam.
Yes, family members may be eligible for dependent benefits if you receive SSDI. SSI does not offer dependent benefits.
