Panic Disorder Benefits in Minnesota: 2025 Guide

To qualify for federal disability benefits with Panic Disorder, your condition must be severe enough to stop you from working for at least 12 months. Social Security Disability Insurance (SSDI) is for people who have worked and paid Social Security taxes. Supplemental Security Income (SSI) is for people with low income and resources, regardless of work history. Panic Disorder is listed under Social Security’s mental health impairments, but you must meet specific medical and functional criteria. You must also meet income and resource limits for SSI. For SSDI, you need enough work credits. If you are under age 22 and disabled, you may qualify for benefits on a parent’s record. [^1]

In Minnesota, people with Panic Disorder may qualify for Medical Assistance (Medicaid), Minnesota Supplemental Aid, and Housing Support. These programs have income and asset limits that are updated yearly. Minnesota also offers Medicaid waivers for home and community-based services, which can help with daily living needs. The Waiver Reimagine project is making it easier to access these services and giving people more control over their support plans. Income guidelines for Minnesota benefits are updated each July to reflect the Social Security Cost of Living Adjustment (COLA). [^2][^3]

• Check if you meet federal SSI/SSDI criteria.
• Gather medical records and work history.
• Apply online at SSA.gov or at a local Social Security office.
• For Minnesota state benefits, apply through MNBenefits.org.
• Contact Disability Hub MN for help with the process.

• Step 1: Review eligibility for SSI and SSDI on SSA.gov. Panic Disorder must be severe and long-term.
• Step 2: Collect medical records, treatment history, and work history.
• Step 3: Apply for SSI/SSDI online at SSA.gov, by phone, or in person at a Social Security office.
• Step 4: For Minnesota state benefits (Medical Assistance, Supplemental Aid, Housing Support), apply at MNBenefits.org.
• Step 5: If you need home and community-based services, apply for a Medicaid waiver through your county or tribal nation.
• Step 6: For ABLE accounts, apply through the Minnesota ABLE program.
• Step 7: Contact Disability Hub MN for free help with applications and planning.
• Step 8: Report any changes in income, resources, or living situation to avoid overpayments.
• Step 9: Keep copies of all applications and correspondence.
• Step 10: Follow up with agencies if you do not hear back within expected timeframes. [^2][^3][^4]

• Social Security Disability Insurance (SSDI): For people with Panic Disorder who have a work history and enough Social Security credits.
• Supplemental Security Income (SSI): For people with low income and resources, including those with Panic Disorder.
• Medicare: Available after 24 months of SSDI.
• Medicaid: May be available with SSI or if you meet income limits.
• Disabled Adult Child (DAC): For adults with Panic Disorder that began before age 22, on a parent’s Social Security record. [^4]

• Medical Assistance (Medicaid): Covers health care for people with low income, including those with Panic Disorder.
• Minnesota Supplemental Aid: Cash assistance for people with disabilities who get SSI.
• Housing Support: Helps with rent and utilities for people with disabilities.
• Medicaid Waivers: Provide home and community-based services for people with disabilities, including those with Panic Disorder. Waiver Reimagine is making these services easier to access and more flexible.
• ABLE Accounts: Let people with disabilities save money without losing benefits. Eligibility expanded in 2025 to people whose disability began before age 46. [^2][^3]

ABLE accounts let people with disabilities save money for qualified expenses without losing SSI or Medicaid. In 2025, eligibility expanded to people whose disability began before age 46. You can open an ABLE account through the Minnesota ABLE program. Contributions are limited each year, and there are rules about how the money can be used. [^2]

Income limits for Minnesota benefits are updated each July. For 2025, the limits include the Social Security Cost of Living Adjustment (COLA). Check MNBenefits.org or DB101 Minnesota for current numbers. Limits vary by program and household size. [^2]

If your income, resources, or living situation changes, you must report it to avoid overpayments. Overpayments can happen if you do not report changes or if there is a mistake. If you get an overpayment notice, contact the agency right away to discuss repayment options. [^2]

• Disability Hub MN
  Phone: 1-866-333-2466

  TTY: 711

  Email: info@disabilityhubmn.org

  Hours: Mon-Fri 8:30 a.m. to 5:30 p.m.

  Website

  Free statewide resource for people with disabilities.

• Can Panic Disorder qualify for disability benefits in Minnesota?

  Yes, Panic Disorder can qualify for SSI and SSDI if it is severe enough to stop you from working for at least 12 months. You must meet Social Security’s medical and functional criteria. Minnesota state benefits also consider Panic Disorder for Medical Assistance and other programs.

• How do I apply for SSI/SSDI with Panic Disorder in Minnesota?

  You can apply for SSI/SSDI online at SSA.gov, by phone, or in person at a Social Security office. You will need medical records and work history. Disability Hub MN can help you with the process.

• What state benefits are available for Panic Disorder in Minnesota?

  Minnesota offers Medical Assistance (Medicaid), Minnesota Supplemental Aid, Housing Support, and Medicaid waivers for home and community-based services. Income limits are updated each July.

• What is the Waiver Reimagine project in Minnesota?

  Waiver Reimagine is a project to improve Minnesota’s disability waiver programs. It makes it easier to access services, gives people more control over their support plans, and increases options for self-directed care.

• Can I work while getting disability benefits in Minnesota?

  Yes, you can work while getting disability benefits. There are work incentives and rules to help you keep benefits while you try to work. DB101 Minnesota has tools and information about work incentives.

• What is an ABLE account and how can it help me?

  An ABLE account lets people with disabilities save money for qualified expenses without losing SSI or Medicaid. In 2025, eligibility expanded to people whose disability began before age 46. You can open an account through the Minnesota ABLE program.