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Georgia • Mental Health
People in Georgia with anxiety disorders may qualify for federal and state disability benefits, including SSI, SSDI, Medicaid, and ABLE accounts. These programs help cover medical care, living expenses, and support independence.
To qualify for federal disability benefits like SSI or SSDI, your anxiety disorder must cause marked and severe functional limitations. This means it must seriously affect your ability to work, learn, or do daily activities. For SSI, your income and resources must also be limited. For SSDI, you need a work history and enough work credits. In 2025, you cannot earn more than $1,620 per month ($2,700 if blind) and still qualify for SSI or SSDI. If you are working, you may still qualify under certain work incentives. [^1][^2]
In Georgia, people with anxiety disorders may qualify for Medicaid waivers that provide extra services like therapy, job coaching, or home care. These waivers are for those who need support but want to live in the community. To qualify, you must meet both federal disability rules and Georgia’s income and asset limits. Some programs, like the Georgia STABLE ABLE account, are open to anyone who became disabled before age 26. State employees may also have access to short- and long-term disability insurance through their employer. [^3][^4][^5]
A Georgia STABLE ABLE account lets people with anxiety disorders save and invest for disability-related expenses without losing SSI or Medicaid. You can save up to $19,000 per year, plus up to $15,060 more if you work. The account’s growth is tax-free, and contributions may qualify for a state income tax deduction. Anyone who became disabled before age 26 can open an account. [^5]
For SSI in 2025, you cannot earn more than $1,620 per month ($2,700 if blind) and still qualify. Medicaid income limits vary by program but are generally low. ABLE accounts do not count toward SSI or Medicaid asset limits, so you can save more without losing benefits. [^1][^3]
It is important to report any changes in income, work, or health to Social Security and Medicaid. If you do not report changes, you may get an overpayment and have to pay it back. Use the SSA’s online portal or call your local office to report changes. [^1]
Contact your local Social Security office or Georgia Department of Family and Children Services for help with applications.
Yes, if your anxiety disorder causes marked and severe functional limitations, you may qualify for SSI or SSDI. You must also meet income and resource limits for SSI.
In 2025, you cannot earn more than $1,620 per month ($2,700 if blind) and still qualify for SSI. Medicaid income limits vary by program.
You can apply for SSI/SSDI online at ssa.gov, by phone at 1-800-772-1213, or at a local Social Security office. You will need medical records and proof of income.
Medicaid waivers in Georgia provide extra services like therapy, job coaching, or home care for people with disabilities who want to live in the community.
Yes, you can open a Georgia STABLE ABLE account to save for disability-related expenses without losing SSI or Medicaid. You can save up to $19,000 per year, plus more if you work.
SSI is for people with limited income and resources who are disabled, blind, or age 65 or older. SSDI is for people who have worked and paid Social Security taxes but are now disabled.
Disclaimer: This guide is for informational purposes only. Always check with official agencies for the most current rules and eligibility.
Yes, you must report any changes in income, work, or health to Social Security and Medicaid. If you do not, you may get an overpayment and have to pay it back.
Yes, Georgia state employees may have access to short- and long-term disability insurance, which can replace up to 60% of pay if you are unable to work due to disability.
You can open a Georgia STABLE ABLE account online at georgiastable.com. You must have become disabled before age 26 and meet other eligibility rules.
You may still qualify for SSI or SSDI under certain work incentives. You must report your earnings to Social Security to avoid overpayments.
