Maine • Mental Health

Obsessive-Compulsive Disorder Benefits in Maine

Maine residents with Obsessive-Compulsive Disorder (OCD) can apply for federal disability benefits like SSDI and SSI. There is no state-run disability program, but Maine offers supportive housing, independent living services, and advocacy. Eligibility depends on work history, income, and how OCD affects daily functioning.

OCD can qualify for federal SSDI or SSI if it prevents work.
Maine does not have a state disability program.
Supportive housing and independent living services are available.
Medicaid covers therapy and medication for eligible residents.
Appeals are common; persistence is key to approval.

Last reviewed: 2025-11-05

Open a Purple account

Eligibility

To qualify for Social Security Disability Insurance (SSDI), you must have worked in jobs covered by Social Security, have a disability that prevents work for at least 12 months, and meet the work credit requirement (usually 20 credits in the last 10 years)[^1].
For Supplemental Security Income (SSI), you must have limited income and assets, and your disability must prevent you from working. SSI is for those who haven’t worked enough for SSDI, including children and older adults[^2].
OCD is considered a mental health disability. The Social Security Administration (SSA) reviews medical records, therapy notes, and how symptoms affect daily life and work[^3].
Approval depends on how severe your OCD is and whether it stops you from doing any job, not just your old job[^4].

Maine does not have a state disability program for adults with OCD. Instead, residents rely on federal SSDI and SSI for income support[^5].
Maine offers supportive housing through the Section 811 PRA program for extremely low-income people with disabilities, including those with OCD[^6].
The Independent Living Services Program helps people with significant disabilities live independently, including those with mental health conditions[^7].
Maine’s Medicaid program (MaineCare) covers therapy, medication, and case management for eligible residents with OCD[^8].
MainePERS provides disability retirement for public employees who can no longer work due to a disability, including OCD, if it meets their criteria[^9].

How to apply in Maine

Gather medical records, therapy notes, and proof of income.
Apply online at SSA.gov or visit your local Social Security office.
List all jobs you’ve held and how OCD affects your ability to work.
Submit your application and wait for a decision.
If denied, appeal within 60 days[^10].

Step 1: Collect medical evidence. This includes doctor’s notes, therapy records, and any documentation showing how OCD affects your daily life and work.
Step 2: Apply for SSDI or SSI online at SSA.gov, by phone, or in person at a local Social Security office[^11].
Step 3: Fill out the application completely. List all jobs you’ve held, your symptoms, and how OCD prevents you from working.
Step 4: Submit your application. The SSA will review your case and may request more information.
Step 5: Wait for a decision. Most applications are denied at first, but you can appeal within 60 days[^12].
Step 6: If denied, request a reconsideration. You may need to attend a hearing with an Administrative Law Judge.
Step 7: If approved, you’ll receive monthly payments and access to Medicaid or Medicare[^13].

Programs & Services

Social Security Disability Insurance (SSDI): Monthly payments based on your work history. Includes Medicare after 24 months.
Supplemental Security Income (SSI): Monthly payments for those with limited income and assets. Includes Medicaid.
Medicaid Waivers (HCBS): Home and community-based services for eligible residents with disabilities[^14].

Section 811 PRA: Permanent supportive housing for extremely low-income people with disabilities, including those with OCD. Managed by MaineHousing and the Department of Health and Human Services[^15].
Independent Living Services Program: Helps people with significant disabilities live independently. Services include advocacy, skills training, and support[^16].
MainePERS Disability Retirement: For public employees who can no longer work due to a disability, including OCD, if it meets their criteria[^17].
Disability Rights Maine: Advocacy and legal support for people with disabilities, including those with OCD[^18].

Money & Banking

ABLE accounts allow people with disabilities to save money without losing benefits. Maine residents with OCD can open an ABLE account if their disability began before age 26[^19].

SSI has strict income limits. In 2025, the limit is $943/month for an individual and $1,415/month for a couple[^20].
SSDI payments vary based on work history. Most people receive between $800 and $1,800 per month[^21].

Report any changes in income, living situation, or medical condition to the SSA to avoid overpayments[^22].
If you receive an overpayment, you can request a waiver or set up a repayment plan[^23].

Tips & Gotchas

Need Help Applying?

MaineHealth Vocational Services offers free counseling to help you understand how working affects your benefits. Contact them if you have questions about applying or returning to work[^8].

Contacts

Social Security Administration
Phone: 1-800-772-1213
TTY: 1-800-325-0778
Hours: 8:00 AM – 7:00 PM
Website
Apply for SSDI or SSI, get help with appeals.
Disability Rights Maine
Phone: 1-800-452-1742
TTY: 1-800-437-1222
Email: [email protected]
Hours: 9:00 AM – 4:30 PM
Website
Advocacy and legal support for people with disabilities.

FAQs

Can I get disability benefits for OCD in Maine?
Yes, if your OCD prevents you from working, you may qualify for SSDI or SSI. You’ll need medical proof and to meet income or work history requirements.
What is the difference between SSDI and SSI for OCD?
SSDI is for those who have worked and paid Social Security taxes. SSI is for those with limited income and assets, regardless of work history.
How long does it take to get approved for disability with OCD?
Most applications take 3–6 months. Many are denied at first, but appeals can take longer. Persistence is key.
Does Maine have a state disability program for OCD?
No, Maine does not have a state disability program. Residents rely on federal SSDI and SSI for income support.
What supportive services are available for people with OCD in Maine?
Maine offers supportive housing, independent living services, and advocacy through state agencies and nonprofits.
Can I work while getting disability benefits for OCD?
Yes, there are work incentives that let you try working without losing benefits. Rules depend on whether you get SSI or SSDI.
How do I appeal a denial for OCD disability benefits?
You can appeal within 60 days of denial. Request a reconsideration, then a hearing if needed. Legal help is available.

Official resources

Social Security Disability Benefits(federal)
How to Qualify for SSDI(federal)
Maine Disability Resources(state_agency)
Disability Determination Services(state_agency)

Related Purple guides

Disclaimer: This guide is for informational purposes only. Always consult official sources or a qualified professional for advice.

Ready to get started with Purple?