Anxiety Disorders Benefits in Indiana: 2025 Guide

To qualify for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) with an anxiety disorder, your condition must be severe enough to stop you from doing substantial gainful activity (SGA) for at least 12 months. For SSDI, you need a work history and enough Social Security credits. For SSI, your income and resources must be low. The Social Security Administration (SSA) uses a strict definition of disability, which includes not being able to do your past work or any other job in the national economy. Medical evidence from doctors is required to prove your anxiety disorder meets these rules.

• SSDI: Requires 40 credits, 20 earned in the last 10 years before disability starts.
• SSI: No work history needed, but strict income and resource limits.
• Both programs require proof that your anxiety disorder is severe and long-lasting.

SSA: How to Qualify for Disability (accessed 2025-11-05)

The SSA also considers your age, education, and work experience when deciding if you can do other work.

In Indiana, the Disability Determination Bureau (DDB) works with the SSA to decide if you meet the federal definition of disability. For anxiety disorders, Indiana follows the same rules as the rest of the country. The DDB reviews medical records, school records (for children), and may ask for more tests. If you are an adult, you may be referred to Vocational Rehabilitation Services through the SSA’s “Ticket to Work” program. Indiana does not have a separate state disability program for adults, but it does offer Medicaid waivers and other supports for people with disabilities.

• Indiana DDB: Reviews disability claims and works with SSA.
• Vocational Rehabilitation: Helps adults with disabilities find work or training.
• Medicaid Waivers: Provide extra services for people with disabilities who meet income and disability rules.

FSSA: Indiana Disability Determination Bureau (accessed 2025-11-05)

Indiana also has state disability programs for state employees, but these are separate from SSDI/SSI and are not available to the general public.

• Gather medical records and work history.
• Decide if you need SSDI (work history) or SSI (low income).
• Fill out the online application at SSA.gov or call SSA.
• Indiana DDB will review your medical evidence.
• Respond to any requests for more information.
• If denied, you can appeal.

• Step 1: Get your medical records. You need proof from doctors that your anxiety disorder is severe and long-lasting.
• Step 2: Check if you qualify for SSDI (work history) or SSI (low income). Use the SSA’s online tools to help decide.
• Step 3: Start your application online at SSA.gov or call SSA at 1-800-772-1213. You can also apply in person at a local SSA office.
• Step 4: Indiana DDB will review your medical evidence. They may ask for more tests or records.
• Step 5: Respond to all requests from SSA or DDB. Delays can happen if you don’t send information on time.
• Step 6: If your claim is denied, you can appeal. Indiana has a process for appeals, and you can get help from legal aid or disability advocates.
• Step 7: If approved, you will get benefits and may be referred to Vocational Rehabilitation or other services.

SSA: How to Apply for Disability (accessed 2025-11-05)

Indiana DDB Contact Info (accessed 2025-11-05)

• SSDI: Pays benefits to adults with a disability who have a work history. Amounts are based on your past earnings.
• SSI: Pays benefits to adults and children with low income and resources. Amounts are set by federal law.
• Medicaid: Provides health coverage to people with disabilities who meet income and disability rules.
• Medicare: Available to some people with disabilities after 24 months of SSDI.
• Ticket to Work: Helps people with disabilities find jobs and training.

SSA: Disability Programs (accessed 2025-11-05)

Indiana offers several programs to help people with anxiety disorders and other disabilities:

• Medicaid Waivers: These provide extra services like home care, therapy, and support for people with disabilities who meet income and disability rules. Indiana has several waiver programs, including the Aged and Disabled Waiver and the Traumatic Brain Injury Waiver.
• Vocational Rehabilitation Services: Helps adults with disabilities find jobs, training, and support.
• State Disability Program: Provides short-term and long-term disability benefits for state employees who are unable to work due to illness or injury. This is not available to the general public.
• Children’s Services: For children with disabilities, Indiana offers early intervention and special education services.

FSSA: Indiana Disability Determination Bureau (accessed 2025-11-05)

Indiana Medicaid Waivers (accessed 2025-11-05)

Indiana Vocational Rehabilitation (accessed 2025-11-05)

ABLE accounts let people with disabilities save money without losing SSI or Medicaid benefits. Indiana has its own ABLE program. You can use the account for things like education, housing, and health care. To open an account, you must have a disability that started before age 26.

Indiana ABLE Program (accessed 2025-11-05)

• SSDI: In 2025, the Substantial Gainful Activity (SGA) limit is expected to be $1,530 per month for non-blind individuals and $2,550 for blind individuals. Earning above this limit may affect your benefits.
• SSI: The federal SSI income limit is $943 per month for an individual in 2025. Indiana may have a slightly higher limit due to state supplements.

SSDI Proposed Changes 2025 (accessed 2025-11-05)

Social Security Disability Changes 2025 (accessed 2025-11-05)

You must report changes in your income, work, or medical condition to the SSA. Not reporting changes can lead to overpayments, which you may have to pay back. If you start working, your benefits may be reduced or stopped. The SSA has work incentives to help you test your ability to work without losing all your benefits.

SSI & SSDI Work Incentives

Reporting Changes

• Indiana Disability Determination Bureau
  Phone: 800-622-4968

  Website

  Ask for the examiner assigned to your claim.

• Can I get SSDI for anxiety in Indiana?

  Yes, if your anxiety disorder is severe enough to stop you from working for at least 12 months and you have a work history. You need to provide medical proof and apply through the SSA.

• What is the income limit for SSDI in Indiana in 2025?

  The SGA limit for SSDI in 2025 is expected to be $1,530 per month for non-blind individuals. Earning above this may affect your benefits.

• Can I get SSI for anxiety in Indiana?

  Yes, if your anxiety disorder is severe and you have low income and resources. SSI does not require a work history.

• How do I apply for disability benefits in Indiana?

  Gather medical records, decide if you need SSDI or SSI, and apply online at SSA.gov or call SSA. Indiana DDB will review your claim.

• What is the Indiana Disability Determination Bureau?

  The Indiana DDB reviews disability claims and works with the SSA to decide if you meet the federal definition of disability. They may ask for more medical evidence.

• What are Medicaid waivers in Indiana?

  Medicaid waivers provide extra services for people with disabilities who meet income and disability rules. Indiana has several waiver programs for adults and children.

• Can I work while getting SSDI in Indiana?

  Yes, but you must stay below the SGA limit. In 2025, this is $1,530 per month for non-blind individuals. Working above this may affect your benefits.