Panic Disorder Benefits in Idaho

To qualify for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) with Panic Disorder, your condition must be severe enough to stop you from working full time for at least 12 months. The Social Security Administration (SSA) uses a medical guide called the Blue Book. Panic Disorder is listed under Section 12.06 (Anxiety and Obsessive-Compulsive Disorders). You must show that your symptoms are persistent, severe, and limit your ability to function at work or in daily life. You also need to meet non-medical requirements, such as work history for SSDI or low income for SSI. In 2025, the Substantial Gainful Activity (SGA) limit is $1,620 per month for non-blind individuals (higher if blind) — earning above this can affect your benefits[1].

Children with Panic Disorder may qualify for SSI if their family meets income limits. Adults with a disability that began before age 22 may be eligible for Disabled Adult Child (DAC) benefits if a parent is retired, disabled, or deceased[5].

In Idaho, eligibility for Medicaid and developmental disability services is based on both medical and financial criteria. For Medicaid, you must meet income and asset limits. If you have Panic Disorder and need long-term support, you may qualify for Medicaid waivers like the Home and Community-Based Services (HCBS) waiver, which can help pay for therapy, counseling, and other supports. Idaho does not have a separate adult developmental disability program for mental health conditions like Panic Disorder, but you may qualify for other mental health services through Medicaid if you meet the criteria. Idaho’s Disability Determinations Service (DDS) reviews medical evidence for SSDI and SSI claims and works with the SSA to decide if you qualify[3].

• Gather medical records showing your Panic Disorder diagnosis and how it affects your daily life.
• Apply for SSDI or SSI online at ssa.gov, by phone, or at a local Social Security office.
• If you need Medicaid, apply through Idaho Medicaid or your local county office.
• For work incentives or ABLE accounts, visit the Idaho Department of Labor or Idaho ABLE program.
• Keep all records and report any changes in your condition or income.

• Step 1: Get a diagnosis and treatment plan from a licensed mental health professional. Your records should show how Panic Disorder limits your ability to work or do daily activities.
• Step 2: Apply for SSDI or SSI. You can do this online at ssa.gov, by calling 1-800-772-1213, or visiting a local Social Security office. You’ll need to provide medical records, work history, and personal information[5].
• Step 3: If you need Medicaid, apply through Idaho Medicaid. You can apply online, by mail, or in person at your local county office. You’ll need to show proof of income and assets[2].
• Step 4: If you want to work, ask about SSI/SSDI work incentives. These programs let you keep some benefits while you try to work. Idaho’s Department of Labor has videos and guides on how SSI, SSDI, and work can work together[4].
• Step 5: If you qualify, you may be able to open an ABLE account to save money without losing benefits. Idaho’s ABLE program is available to residents with disabilities that began before age 26[3].
• Step 6: Keep all records and report any changes in your condition, income, or living situation to avoid overpayments[5].

• Social Security Disability Insurance (SSDI): For people with Panic Disorder who have a work history and have paid Social Security taxes. Benefits are based on your earnings record.
• Supplemental Security Income (SSI): For people with low income and assets, including those with Panic Disorder who cannot work. SSI also provides Medicaid in most states.
• Disabled Adult Child (DAC): For adults whose Panic Disorder began before age 22 and whose parent is retired, disabled, or deceased.
• Medicare: After 24 months of SSDI, you get Medicare. Medicaid may cover therapy and medications for Panic Disorder.
• Work Incentives: Programs like Ticket to Work help you keep benefits while you try to work.

• Idaho Medicaid: Covers therapy, medications, and other supports for Panic Disorder if you meet income and asset limits. You can apply online or through your local county office.
• Home and Community-Based Services (HCBS) Waivers: These waivers can help pay for therapy, counseling, and other supports for people with mental health conditions. Idaho’s HCBS waivers are limited and may have waiting lists.
• Idaho Disability Determinations Service (DDS): Reviews medical evidence for SSDI and SSI claims and works with the SSA to decide if you qualify.
• Idaho ABLE Program: Lets you save money in a tax-advantaged account without losing SSI or Medicaid benefits. You must have a disability that began before age 26.
• Idaho Department of Labor: Offers resources and videos on how SSI, SSDI, and work can work together for people with disabilities[4].

Idaho’s ABLE program lets you save up to $17,000 per year in a tax-advantaged account without losing SSI or Medicaid benefits. You must have a disability that began before age 26. Funds can be used for housing, education, transportation, and other disability-related expenses. Learn more at the Idaho ABLE program website[4].

• SSI: In 2025, the federal SSI payment is $943 per month for an individual. The income limit is about $1,620 per month for non-blind individuals (higher if blind). Earning above this can affect your benefits.
• SSDI: There is no strict income limit, but you cannot earn more than the SGA limit ($1,620 per month in 2025) and still get full benefits.
• Medicaid: Income limits vary by program and household size. For most adults, the limit is about 138% of the federal poverty level.

If your income, living situation, or condition changes, you must report it to the SSA or Idaho Medicaid. Not reporting changes can lead to overpayments and penalties. Keep all records and report changes as soon as possible. Learn more about avoiding overpayments and reporting changes in our guide[5].

• Idaho Disability Determinations Service
  Phone: 208-334-3300

  Hours: 8:00 AM - 5:00 PM, Mon-Fri

  Website

  For SSDI/SSI medical review questions.
• Idaho Department of Health and Welfare
  Phone: 208-334-3100

  Hours: 8:00 AM - 5:00 PM, Mon-Fri

  Website

  For Medicaid and developmental disability services.

• Can I get SSI or SSDI for Panic Disorder in Idaho?

  Yes, if your Panic Disorder is severe enough to stop you from working full time for at least 12 months. You must meet federal medical and non-medical requirements. Idaho’s Disability Determinations Service reviews your medical evidence to decide if you qualify.

• How do I apply for Medicaid with Panic Disorder in Idaho?

  You can apply for Medicaid online, by mail, or in person at your local county office. You’ll need to show proof of income and assets. Medicaid may cover therapy, medications, and other supports for Panic Disorder.

• What is the SGA limit for Panic Disorder in 2025?

  In 2025, the SGA limit is $1,620 per month for non-blind individuals. If you earn more than this, you may not qualify for full SSDI or SSI benefits. The limit is higher if you are blind.

• Can I work while getting SSI or SSDI for Panic Disorder?

  Yes, there are work incentives that let you keep some benefits while you try to work. Idaho’s Department of Labor has resources on how SSI, SSDI, and work can work together.

• What is an ABLE account and can I get one in Idaho?

  An ABLE account lets you save money in a tax-advantaged account without losing SSI or Medicaid benefits. Idaho’s ABLE program is available to residents with disabilities that began before age 26.

• Do I need to report changes in my condition or income?

  Yes, you must report any changes in your condition, income, or living situation to the SSA or Idaho Medicaid. Not reporting changes can lead to overpayments and penalties.