If you have Post-Traumatic Stress Disorder (PTSD) in Michigan, you may qualify for federal disability programs like SSDI and SSI, as well as state programs such as State Disability Assistance (SDA). This guide explains eligibility, how to apply, and what benefits are available.
To qualify for federal disability benefits with PTSD, you must meet Social Security's definition of disability. This means your PTSD symptoms must be severe enough to stop you from working full-time and are expected to last at least 12 months or result in death. You must also meet the work history requirements for SSDI or the income and asset limits for SSI. The Social Security Administration (SSA) reviews your medical records, work history, and how your PTSD affects daily life. If approved, you may receive monthly cash payments and access to health coverage like Medicare or Medicaid.
For 2025, the federal SSI maximum is $943 per month for an individual. The Substantial Gainful Activity (SGA) limit for SSDI is expected to rise to $1,530 per month for non-blind individuals, allowing more people to test work without losing benefits[1][2][3].
In Michigan, adults with PTSD may qualify for State Disability Assistance (SDA) if they meet income and asset limits and are not eligible for other state cash programs. SDA provides monthly cash help to disabled adults, those 65+, or caretakers of disabled individuals. To qualify, you must be a U.S. citizen or qualified legal immigrant and live in Michigan. Non-citizen adults must have permanent resident status or VAWA for five years or more. SDA is not available to those who refuse to share immigration status.
Michigan also offers Medicaid waivers for people with disabilities, which can provide home and community-based services. These waivers help people with PTSD live independently and get support for daily living. Michigan residents receiving SSI are automatically eligible for Medicaid, which covers mental health treatment and therapy[2][4][7].
Michigan offers ABLE accounts for people with disabilities. These accounts let you save money without losing SSI or Medicaid benefits. Funds can be used for education, housing, transportation, and other qualified expenses. To open an account, visit the Michigan ABLE website or call 1-800-803-7174 for help[8].
You must report any changes in your income, work, or living situation to the SSA or MDHHS. Failing to report changes can lead to overpayments and penalties. If you receive an overpayment, contact the agency to set up a repayment plan. For help, use the Avoiding Overpayments & Reporting Changes guide or call the Ticket to Work Help Line at 1-866-968-7842[5][6].
Contact a Michigan Benefit-to-Work (B2W) Coach for free help with your application and work questions. Call 1-800-772-1213 or visit your local Social Security office.
Yes, if your PTSD is severe enough to stop you from working full-time and is expected to last at least 12 months. You can apply for SSDI, SSI, or State Disability Assistance (SDA) if you meet the eligibility rules[2][4][7].
The federal SSI maximum is $943 per month for an individual in 2025. SSDI payments depend on your work history. Michigan may add a small state supplement to SSI. SDA payments vary based on income and assets[2][3][4].
Yes, you can work and still get benefits if your income stays below the SGA limit. In 2025, this is expected to be $1,530 per month for non-blind individuals. Working may affect your benefits, so report any changes to the SSA[1][5].
For SSDI, yes, you need a work history. For SSI and SDA, you do not need a work history, but you must meet income and asset limits[2][4].
You need records from a doctor or mental health professional showing your PTSD diagnosis and how it affects your daily life and ability to work. Include treatment history and any therapy notes[2][5].
Yes, SSI recipients are automatically eligible for Medicaid. SSDI recipients may qualify if they have low income. Medicaid covers mental health treatment and therapy for PTSD[2][7].
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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The process can take several months. The SSA reviews your application, may ask for more information, and sometimes schedules a medical exam. Applying online or with help from a B2W Coach can speed things up[5][6].
Yes, if your SSDI payment is low and you meet SSI income and asset limits. This is called concurrent benefits and can help make up the difference in your monthly payments[2].
SDA is a state program that provides cash assistance to disabled adults, those 65+, or caretakers of disabled individuals. Eligibility depends on income, assets, and immigration status[4][7].
Report changes in income, work, or living situation to the SSA or MDHHS. Failing to report changes can lead to overpayments. Use the Avoiding Overpayments & Reporting Changes guide or call the Ticket to Work Help Line for help[5][6].
