People with Panic Disorder in Massachusetts may qualify for federal disability benefits like SSI and SSDI, plus state supports. Eligibility depends on how the condition affects your ability to work and your financial situation. This guide explains how to apply and what benefits are available.
To get Social Security Disability Insurance (SSDI), you must have worked and paid Social Security taxes, earning enough work credits. Most people need 40 credits, with 20 earned in the last 10 years before becoming disabled [6].
Supplemental Security Income (SSI) is for people with limited income and resources, regardless of work history. Both programs require a medical condition that stops you from working for at least a year or is expected to result in death [6].
For Panic Disorder, Social Security looks at how much your symptoms limit your ability to do daily activities, social functioning, and maintain concentration. You must show that your condition is severe enough to prevent you from doing any substantial work [6].
In Massachusetts, eligibility for SSI and SSDI follows federal rules. However, the state may add a small supplement to SSI payments for some people [3].
MassAbility Disability Determination Services (DDS) reviews your medical records and decides if you qualify for benefits. They use doctors and mental health professionals to evaluate claims [1].
If you are homeless or have HIV, MassAbility makes special efforts to help you apply. Periodic reviews check if you still qualify as your condition changes [1].
Massachusetts does not have a separate state disability program for adults, so most people apply for federal SSI or SSDI [5].
An ABLE account lets people with disabilities save money without losing SSI or Medicaid benefits. You can use it for expenses like housing, education, and health care. Massachusetts has its own ABLE program with tax benefits for state residents [internal_link: ABLE Accounts].
For SSI in 2025, the maximum payment is $967/month for an individual and $1,450 for a married couple. Income includes cash, in-kind support, and some types of unearned income. The state may add a small supplement to SSI payments [3].
For SSDI, there is no strict income limit, but you cannot earn more than the Substantial Gainful Activity (SGA) threshold. In 2025, SGA is $1,620/month for most people, or $2,700 if blind [2].
You must report changes in income, resources, or health to Social Security. If you do not, you may get an overpayment and have to pay it back. Use the SSA online portal or call to report changes. For more details, see our guide on avoiding overpayments and reporting changes [internal_link: Avoiding Overpayments & Reporting Changes].
MassAbility DDS offers help with applications and appeals. Call their Boston office at 617-727-1600 or Worcester office at 508-752-5001 for support.
Yes, Panic Disorder can qualify for SSI or SSDI if it severely limits your ability to work. You must show medical proof and how your symptoms affect daily life. MassAbility DDS reviews your case using federal rules [1][6].
In 2025, the maximum SSI payment is $967/month for an individual. Your income, resources, and living situation affect your payment. Massachusetts may add a small state supplement [3].
The SGA limit for SSDI in 2025 is $1,620/month for most people, or $2,700 if blind. If you earn more than this, you may not qualify for SSDI [2].
Yes, you must report any changes in income, resources, or health to Social Security. Not reporting can lead to overpayments and penalties. Report changes online or by phone [3].
If denied, you can appeal. MassAbility DDS handles appeals and can help you prepare for a hearing. You have several levels of appeal, including a hearing before an administrative law judge [1].
Yes, there are work incentives that let you try working without losing benefits right away. During the Extended Period of Eligibility, you can work and keep benefits if your earnings are below the SGA limit [2].
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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You need records from doctors, therapists, or hospitals showing your diagnosis, treatment, and how Panic Disorder limits your ability to work or do daily tasks. More detailed records help your case [1].
Massachusetts does not have a separate state disability program for adults. Most people apply for federal SSI or SSDI. The state may add a small supplement to SSI payments [3].
It can take several months to get a decision. MassAbility DDS reviews your case and may ask for more information. If you appeal, it may take longer [1].
Yes, children may qualify for SSI if their condition is severe and meets income rules. Family income and resources are also considered [4].
