Panic Disorder Benefits in Maryland

To qualify for federal disability benefits with Panic Disorder, you must show that your condition is severe enough to prevent you from working 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 for Anxiety and Obsessive-Compulsive Disorders. You must have a diagnosis from a licensed mental health professional and provide medical records. For SSI, you must also have limited income and resources. For SSDI, you need enough work credits from past employment. Both programs require you to report changes in your health or income.

• SSI: For adults, you must be age 65 or older, blind, or disabled with low income and few assets. Panic Disorder must be expected to last at least 12 months.
• SSDI: You must be unable to work due to your disability and have enough work credits. Panic Disorder must be expected to last at least 12 months or result in death.

Source: SSA.gov, How Does Someone Become Eligible? (2025-11-06)

Source: SSA.gov, Disability Benefits (2025-11-06)

In Maryland, you may qualify for state disability programs if you have Panic Disorder and meet income and disability requirements. The Temporary Disability Assistance Program (TDAP) is for low-income adults with a disability who do not have dependent children. You must have a medical report from a licensed practitioner confirming your disability. TDAP benefits are limited to 12 months out of 36 unless you are applying for SSI. The Employed Individuals with Disabilities (EID) Program lets you get Medicaid if you work for pay, even if your income is higher than usual. EID does not count a spouse’s resources or retirement accounts, and you can save money in an Independence Account without losing benefits.

• TDAP: Must be disabled for at least 12 months or awaiting federal disability approval. No dependent children.
• EID: Must work for pay. No income limit. Medicaid coverage for medical and community services.

Source: Maryland DHS, TDAP (2025-11-06)

Source: Maryland Access Point, Financial Assistance (2025-11-06)

Source: MDWorks, EID Program (2025-11-06)

• Get a diagnosis and medical report for Panic Disorder from a licensed mental health professional.
• Apply for SSI or SSDI online at SSA.gov or by phone at 1-800-772-1213.
• Apply for TDAP at your local Department of Social Services or online at MarylandBenefits.gov.
• If you work, apply for EID Medicaid through your local DSS.
• Report any changes in your health or income to keep benefits.

• Step 1: Get a diagnosis and medical report for Panic Disorder from a licensed mental health professional. This should include details about how your condition affects your ability to work.
• Step 2: Gather documents: proof of identity, Social Security number, medical records, income, and assets.
• Step 3: Apply for SSI or SSDI:
  • Online: SSA.gov
  • By phone: 1-800-772-1213
  • In person: Visit your local SSA office.
• Step 4: Apply for TDAP:
  • In person: Local Department of Social Services
  • Online: MarylandBenefits.gov
  • By mail, fax, or electronic means.
• Step 5: If you work, apply for EID Medicaid:
  • Contact your local Department of Social Services.
  • Provide proof of employment and income.
• Step 6: Report any changes in your health, income, or living situation to keep benefits. Use the SSA online portal or call your local office.
• Step 7: If you have questions, contact a benefits counselor or use the Maryland Work Incentives Planning and Assistance Project (WIPA).

Source: Maryland DHS, TDAP (2025-11-06)

Source: SSA.gov, How to Apply (2025-11-06)

Source: Maryland Access Point, Financial Assistance (2025-11-06)

Source: DORS Maryland, SSI/SSDI & Benefits Planning (2025-11-06)

• Supplemental Security Income (SSI): Monthly cash payments for people with low income and few assets who are disabled, blind, or age 65 or older. Panic Disorder must be expected to last at least 12 months.
• Social Security Disability Insurance (SSDI): Monthly payments for people with a disability who are unable to work and have enough work credits. Panic Disorder must be expected to last at least 12 months or result in death.
• Medicare: Health coverage for people who get SSDI after 24 months.
• Medicaid: Health coverage for people with low income who get SSI or meet other criteria.

Source: SSA.gov, Disability Benefits (2025-11-06)

Source: SSA.gov, SSI (2025-11-06)

Source: SSA.gov, SSDI (2025-11-06)

• Temporary Disability Assistance Program (TDAP): Provides cash benefits (up to $185 per month) to low-income adults with a disability who do not have dependent children. Benefits are limited to 12 months out of 36 unless you are applying for SSI.
• Employed Individuals with Disabilities (EID) Program: Lets you get Medicaid if you work for pay, even if your income is higher than usual. No income limit. Medicaid covers medical and community services.
• Medicaid Waivers (HCBS): For people who need help living in the community. Panic Disorder may qualify if it meets waiver criteria.
• Property Tax Credits: For homeowners and renters with low income.

Source: Maryland DHS, TDAP (2025-11-06)

Source: Maryland Access Point, Financial Assistance (2025-11-06)

Source: MDWorks, EID Program (2025-11-06)

Source: Maryland Access Point, Medicaid Waivers (2025-11-06)

ABLE accounts let people with disabilities save money without losing SSI or Medicaid benefits. In Maryland, you can open an ABLE account to save for disability-related expenses. The account does not count against SSI or Medicaid resource limits. You can use the funds for education, housing, transportation, and more.

Source: Maryland ABLE Account (2025-11-06)

• SSI: Income limits change each year. In 2025, the federal limit is $943 per month for an individual. Maryland may have a higher state supplement.
• SSDI: No strict income limit, but you must not be doing substantial work. In 2025, substantial work is earning more than $1,620 per month (or $2,700 if blind).
• TDAP: Must be low-income. Exact limits vary by county.
• EID: No income limit if you work for pay.

Source: SSA.gov, SSI (2025-11-06)

Source: SSA.gov, SSDI (2025-11-06)

Source: Maryland DHS, TDAP (2025-11-06)

You must report changes in your health, income, or living situation to avoid overpayments. If you get too much money, you may have to pay it back. Report changes online, by phone, or in person. Keep records of all reports. If you have questions, contact a benefits counselor.

Source: SSA.gov, Reporting Changes (2025-11-06)

Source: DORS Maryland, SSI/SSDI & Benefits Planning (2025-11-06)

• Maryland Department of Human Services
  Phone: 1-800-332-6347

  TTY: 1-800-492-0618

  Email: null

  Hours: 8:00 AM - 5:00 PM, Monday - Friday

  Website

  For TDAP, SNAP, and other state benefits.
• Social Security Administration
  Phone: 1-800-772-1213

  TTY: 1-800-325-0778

  Email: null

  Hours: 8:00 AM - 7:00 PM, Monday - Friday

  Website

  For SSI, SSDI, and Medicare.
• Maryland Division of Rehabilitation Services (DORS)
  Phone: 1-800-492-4574

  TTY: null

  Email: null

  Hours: 8:00 AM - 5:00 PM, Monday - Friday

  Website

  For benefits planning and work incentives.

• Can I get disability benefits for Panic Disorder in Maryland?

  Yes, Panic Disorder is a recognized disability for SSI and SSDI if it prevents you from working for at least 12 months. You must have a diagnosis and medical records. Maryland also has state programs like TDAP and EID for extra help.

• How do I apply for disability benefits with Panic Disorder?

  Get a diagnosis from a licensed mental health professional. Apply for SSI or SSDI online, by phone, or in person. Apply for TDAP or EID at your local Department of Social Services. Report any changes in your health or income.

• What is the difference between SSI and SSDI for Panic Disorder?

  SSI is for people with low income and few assets. SSDI is for people who have worked and paid Social Security taxes. Both require a severe disability that lasts at least 12 months. Panic Disorder must meet SSA criteria.

• Can I work and still get disability benefits for Panic Disorder?

  Yes, work incentives let you keep benefits while trying employment. SSI and SSDI have special rules. Maryland’s EID program lets you get Medicaid if you work for pay, even if your income is higher than usual.

• What is TDAP and who is eligible in Maryland?

  TDAP is a state program that gives cash help to low-income adults with a disability who do not have dependent children. You must have a medical report and be disabled for at least 12 months or awaiting federal disability approval.

• What is the EID program in Maryland?

  The EID program lets people with disabilities get Medicaid if they work for pay. There is no income limit. Medicaid covers medical and community services. You can save money in an Independence Account without losing benefits.