If you have Panic Disorder in Indiana, you may qualify for federal SSDI or SSI benefits, plus state programs for income, healthcare, and support. This guide explains eligibility, how to apply, and what changes are coming in 2025.
To qualify for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) with Panic Disorder, your condition must be severe enough to prevent you from doing substantial gainful activity (SGA) for at least 12 months. SSDI is for people who have worked and paid Social Security taxes, while SSI is for those with limited income and resources. The Social Security Administration (SSA) uses a strict definition of disability, which includes being unable to do your past work or any other work in the national economy due to your impairment. Medical evidence from doctors is required to prove your diagnosis and how it affects your daily life and ability to work.
For 2025, the SGA limit for non-blind individuals is expected to rise to about $1,530 per month, up from $1,470 in 2024. This means you can earn slightly more and still qualify for benefits if you are testing your ability to work. If you are blind, the limit is expected to be about $2,550 per month.
Source: SSA.gov, 2025 SSDI proposed changes, Social Security Disability Changes for 2025, SSA.gov Disability Qualify
In Indiana, the Disability Determination Bureau (DDB) works with the SSA to decide if you meet the federal definition of disability for SSDI or SSI. Panic Disorder must be severe enough to stop you from doing any substantial work, considering your age, education, and work experience. Indiana does not have a separate state disability program for adults, but it does offer Medicaid waivers and support services for people with disabilities, including mental health conditions. If you are approved for SSI, you will automatically qualify for Indiana Medicaid. The state also refers eligible adults to Vocational Rehabilitation Services through the SSA’s “Ticket to Work” program.
Indiana’s DDB may ask for medical exams or tests to make a decision. You can call the DDB at 800-622-4968 for help with your claim. For children with disabilities, Indiana may make immediate SSI payments for certain conditions, but Panic Disorder is not on that list.
Source: Indiana Disability Determination Bureau, Benefits for Children With Disabilities 2025,
Source: SSA.gov Disability Qualify, Indiana Disability Determination Bureau
Source: SSA.gov Disability, SSA.gov SSI
Source: Indiana Medicaid Waivers, Indiana Vocational Rehabilitation, Indiana State Disability Program
An ABLE account lets people with disabilities save money without losing SSI or Medicaid benefits. In Indiana, you can open an ABLE account through the state’s program. The account can be used for expenses like education, housing, transportation, and healthcare. There are annual and lifetime contribution limits, and the money grows tax-free.
Source: SSA.gov SSI, Indiana Medicaid
If your income or living situation changes, you must report it to the SSA. Not reporting changes can lead to overpayments and penalties. You can report changes online, by phone, or in person. If you get an overpayment, you may be able to set up a repayment plan.
Source: SSA.gov Overpayments, Avoiding Overpayments & Reporting Changes (internal link)
Call the Indiana Disability Determination Bureau at 800-622-4968 for help with your disability claim. You can also visit your local SSA office for support.
Yes, if your Panic Disorder is severe enough to prevent you from working and you have enough work credits. You must provide medical evidence to prove your disability.
Yes, if your Panic Disorder is severe and you have limited income and resources. SSI is for people who have not worked enough to qualify for SSDI.
The SGA limit for non-blind individuals is expected to be $1,530 per month in 2025. If you earn more than this, you may lose SSDI benefits.
You can apply online at SSA.gov, by phone at 1-800-772-1213, or in person at a local SSA office. You will need to provide medical and work history.
You need records from your doctor showing your diagnosis, treatment, and how Panic Disorder affects your ability to work and daily life.
Yes, but you cannot earn more than the SGA limit. If you earn more, your benefits may be suspended or terminated.
Indiana offers Medicaid waivers, Vocational Rehabilitation Services, and short/long-term disability for state employees. SSI recipients automatically get Medicaid.
This guide is for informational purposes only and is not legal or financial advice. Always consult with a qualified professional for personalized guidance.
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It can take several months to get a decision. The Indiana DDB will review your medical evidence and may ask for more information or a medical exam.
Yes, if you meet the eligibility requirements for both programs. This is called concurrent benefits.
You can appeal the decision. The appeals process includes several levels, from reconsideration to a hearing before an administrative law judge.
