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Hawaii • Mental Health
If you have anxiety disorders in Hawaii, you may qualify for state and federal disability benefits. These include Temporary Disability Insurance (TDI), Social Security Disability Insurance (SSDI), Supplemental Security Income (SSI), Medicaid, and more. This guide explains eligibility, how to apply, and support resources.
People with anxiety disorders in Hawaii may qualify for federal disability programs if their condition prevents them from working. The main programs are Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). SSDI is for those who have worked and paid Social Security taxes. SSI is for low-income individuals with limited resources, regardless of work history. Both programs require medical proof that your anxiety disorder severely limits your ability to work. The Social Security Administration (SSA) uses a strict definition of disability, which includes being unable to do substantial gainful activity for at least 12 months. You must provide medical records and other documentation to prove your disability.
For more details, visit the SSA website or contact your local Social Security office.
In Hawaii, Temporary Disability Insurance (TDI) covers non-work-related health issues, including anxiety disorders. To qualify, you must have worked at least 14 weeks for your employer and be unable to work due to a medical condition. TDI provides up to 26 weeks of partial wage replacement, paying 58% of your average weekly wage, up to $837 per week in 2025. Employers must offer TDI coverage, but the state does not pay benefits directly—employers use private plans.
You must file a TDI claim within 90 days of your disability to avoid losing benefits. If your claim is denied, you can appeal within 20 days of the denial notice.
Step 1: Get a diagnosis and medical records from your healthcare provider. These should detail how your anxiety disorder affects your ability to work.
Step 2: Talk to your employer or HR about Hawaii TDI. Ask for the claim form and instructions.
Step 3: File your TDI claim within 90 days of your disability. Use Form TDI-46 if required. Submit all medical and employment documents.
Step 4: If your claim is denied, you have 20 days to appeal. Submit your appeal with evidence like pay stubs or medical records.
Step 5: Apply for federal SSDI or SSI. You can do this online at the SSA website, by phone, or in person at a Social Security office. Provide all required medical and personal information.
Step 6: Apply for Medicaid if you need health coverage. Use the state portal or visit a local office. You may also qualify for Medicaid waivers for additional support.
Step 7: Keep records of all applications, decisions, and communications. Report any changes in your condition or income to avoid overpayments.
Social Security Disability Insurance (SSDI): Provides monthly payments to people with disabilities who have a work history. Payments are based on your earnings record.
Supplemental Security Income (SSI): Offers monthly payments to low-income individuals with disabilities, regardless of work history. Payments are based on financial need.
Medicaid: Provides health coverage for people with disabilities who meet income and resource limits. Medicaid can cover therapy, medications, and other services for anxiety disorders.
Medicare: Available to some people with disabilities after receiving SSDI for 24 months.
Hawaii Temporary Disability Insurance (TDI): Provides partial wage replacement for up to 26 weeks for non-work-related health issues, including anxiety disorders. Benefits are 58% of your average weekly wage, up to $837 per week in 2025. Employers must offer TDI coverage through private plans.
Medicaid Waivers: Hawaii offers Medicaid waivers for people with disabilities to receive additional services like home care, therapy, and support.
Disability Retirement: If you are a Hawaii state employee, you may qualify for disability retirement benefits if you are unable to work due to anxiety disorders.
ABLE accounts let people with disabilities save money without losing eligibility for benefits like SSI or Medicaid. In Hawaii, you can open an ABLE account to save for disability-related expenses. Contributions are limited, and withdrawals must be for qualified expenses. ABLE accounts can help with costs like therapy, medications, and support services for anxiety disorders.
Federal and state disability programs have income and resource limits. For SSI, the 2025 federal income limit is $943 per month for an individual. Medicaid and Medicaid waivers have their own limits, which vary by program. ABLE accounts have annual contribution limits and lifetime caps. Always check current limits with the agency or program.
If you receive too much in benefits, you may have to repay the overpayment. Report any changes in your income, resources, or living situation to avoid overpayments. This includes changes in employment, income, or medical condition. Failure to report changes can result in penalties or loss of benefits.
To avoid losing benefits, file your Hawaii TDI claim within 90 days of your disability. Late claims may lose part or all of your benefits.
If your TDI claim is denied, you have 20 days to appeal. Submit your appeal with evidence like medical records or pay stubs.
Yes, you can qualify for Hawaii TDI, SSDI, or SSI if your anxiety disorder prevents you from working. You must provide medical proof and meet program requirements.
Hawaii TDI pays 58% of your average weekly wage, up to $837 per week in 2025. Benefits last up to 26 weeks for non-work-related health issues.
Yes, you must file a TDI claim within 90 days of your disability. Use the form provided by your employer or HR. Late claims may lose benefits.
Yes, you can appeal within 20 days of the denial notice. Submit your appeal with evidence like medical records or pay stubs to the Disability Compensation Division.
SSDI and SSI provide income support. Medicaid covers health services. Medicare may be available after 24 months of SSDI.
Apply online through the state portal, by phone, or in person at a local office. You may qualify for Medicaid waivers for extra support.
An ABLE account lets people with disabilities save money without losing eligibility for benefits. Funds can be used for disability-related expenses.
Disclaimer: This guide provides general information about disability benefits for anxiety disorders in Hawaii. Always check with official agencies for the most current rules and requirements.
Yes, report any changes in income, resources, or medical condition to avoid overpayments or loss of benefits.
TDI does not provide job protection. Check federal or state laws like FMLA or Hawaii Family Leave Law for possible job protection.
You can receive TDI benefits for up to 26 weeks for non-work-related health issues, including anxiety disorders.
