Panic Disorder Benefits in Illinois

To get federal disability benefits for Panic Disorder, you must meet Social Security's definition of disability. This means your condition must be severe enough to stop you from doing substantial work for at least 12 months. For SSI, you must have low income and limited resources. For SSDI, you need a work history and enough work credits. Panic Disorder must cause marked and severe functional limitations to qualify. The SSA reviews medical records, work history, and how your condition affects daily life. If approved, you may get monthly payments and health coverage through Medicaid or Medicare[2][3][5].

In Illinois, Panic Disorder may qualify you for several programs. The Health Benefits for Workers with Disabilities (HBWD) program lets you keep Medicaid while working, with income limits up to $4,393/month for singles and $5,962/month for couples. You can have up to $25,000 in assets. HBWD is for people aged 16-64 with disabilities who are working. Other state programs include Medicaid, SNAP, and housing help. Illinois also has ABLE accounts, which let you save for disability expenses without losing SSI or Medicaid[1][4][8].

• Check if your Panic Disorder meets SSA disability rules.
• Gather medical records and work history.
• Apply for SSI or SSDI online, by phone, or in person.
• If denied, you can appeal.
• Apply for Medicaid or HBWD through Illinois DHS.
• Consider an ABLE account for savings[1][4][8].

• Review eligibility: Make sure your Panic Disorder meets SSA criteria for disability. It must be severe and last at least 12 months.
• Gather documents: Collect medical records, proof of income, and work history.
• Apply for SSI/SSDI: Apply online at ssa.gov, call 1-800-772-1213, or visit a local Social Security office. Complete the Adult Disability Report.
• Apply for Medicaid/HBWD: Apply through the Illinois Department of Human Services (DHS) online or at a Family Community Resource Center. You can also call the DHS Help Line.
• Apply for ABLE account: Visit the IL ABLE website to open an account.
• Report changes: Tell Social Security and DHS about any changes in income, work, or health.
• Appeal if denied: If your application is denied, you can appeal within 60 days[1][4][5][8].

• SSI (Supplemental Security Income): Monthly cash payments for people with low income and resources. Panic Disorder must meet SSA disability rules.
• SSDI (Social Security Disability Insurance): Monthly payments for people with a qualifying work history and disability.
• Medicaid: Health coverage for people with low income and disability.
• Medicare: Health coverage for people who get SSDI after 24 months.
• ABLE Accounts: Tax-advantaged savings accounts for disability expenses[3][5].

• Health Benefits for Workers with Disabilities (HBWD): Medicaid coverage for workers with disabilities aged 16-64. Income limits: $4,393/month (single), $5,962/month (couple). Asset limit: $25,000. Premiums based on income[1].
• Medicaid: Health coverage for people with low income and disability. Includes AABD Medicaid for adults with disabilities.
• SNAP (Supplemental Nutrition Assistance Program): Food assistance for low-income individuals.
• TANF (Temporary Assistance for Needy Families): Cash assistance for families with children.
• Housing Programs: Help with rent and utilities for low-income people.
• IL ABLE Accounts: Tax-advantaged savings for disability expenses. Lets you save up to $100,000 without losing SSI or Medicaid[1][4][8].

An IL ABLE account lets you save for disability expenses without losing SSI or Medicaid. You can save up to $100,000 without affecting SSI, and more without losing Medicaid. Funds can be used for housing, education, transportation, and other qualified expenses. Opening an account is easy online at the IL ABLE website[8].

• SSI: Maximum benefit $967/month (2025). Income and resource limits apply.
• SSDI: No strict income limit, but you must not earn above the SGA limit ($1,620/month for non-blind, $2,700/month for blind in 2025).
• HBWD: Up to $4,393/month (single), $5,962/month (couple).
• Medicaid: Income and asset limits vary by program[1][3][6].

You must report changes in income, work, or health to Social Security and DHS. Not reporting can lead to overpayments and penalties. If you get too much, you may have to pay it back. Use the SSI & SSDI Work Incentives guide to learn how work affects your benefits[4].

• Social Security Administration
  Phone: 1-800-772-1213

  TTY: 1-800-325-0778

  Website

  For SSI, SSDI, and Medicare questions.
• Illinois Department of Human Services
  Phone: 1-800-843-6154

  Website

  For Medicaid, SNAP, TANF, and other state programs.
• IL ABLE
  Phone: 1-844-452-2537

  Website

  For ABLE account questions.

• Can Panic Disorder qualify for disability benefits in Illinois?

  Yes, if Panic Disorder is severe enough to stop you from working for at least 12 months and meets SSA disability rules. You must provide medical proof and show how it affects daily life.

• What is the income limit for SSI in Illinois?

  The maximum SSI benefit in Illinois is $967 per month in 2025. Your actual payment depends on your income and resources. Other programs like HBWD have higher limits.

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

  You can apply for Medicaid through the Illinois Department of Human Services online or at a Family Community Resource Center. You may also qualify for HBWD if you are working.

• Can I work and still get disability benefits in Illinois?

  Yes, Illinois has work incentives like HBWD and SSI/SSDI work rules. You can work and keep benefits, but you must report changes in income.

• What is an ABLE account and how can it help me?

  An ABLE account lets you save for disability expenses without losing SSI or Medicaid. You can save up to $100,000 without affecting SSI, and more without losing Medicaid.

• How do I report changes to my benefits?

  Report changes in income, work, or health to Social Security and DHS. Not reporting can lead to overpayments and penalties. Use the SSI & SSDI Work Incentives guide for help.