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Minnesota • Mental Health
People with Post-Traumatic Stress Disorder (PTSD) in Minnesota may qualify for federal and state disability benefits. These include Social Security Disability Insurance (SSDI), Supplemental Security Income (SSI), Medicaid, and work support programs. Eligibility depends on medical evidence, income, and work history. Minnesota also offers housing, employment, and ABLE account options.
To qualify for federal disability benefits with PTSD, you must have a diagnosis from a qualified medical professional and show that your condition prevents you from working for at least 12 months. For Social Security Disability Insurance (SSDI), you need enough work credits and must meet Social Security’s definition of disability. For Supplemental Security Income (SSI), your income and assets must be below certain limits. Children with PTSD may also qualify for benefits if their parents receive Social Security benefits. Medical records, treatment history, and functional limitations are required for all applications. [^1]
In Minnesota, people with PTSD may qualify for Medical Assistance (Medicaid), Minnesota Supplemental Aid (MSA), and Housing Support. Eligibility is based on income, assets, and medical need. Minnesota also offers supported employment, vocational rehabilitation, and Medicaid waivers for home and community-based services. Public safety workers with duty-related PTSD may qualify for specific benefits, but changes in 2025 limit health insurance for some duty-disabled employees to five years unless the disability is total and permanent. [^2][^3]
ABLE accounts allow people with disabilities to save money without losing eligibility for SSI, Medicaid, and other benefits. In Minnesota, eligibility for ABLE accounts expanded in 2025 to people whose disability began before age 46. Accounts can be used for qualified disability expenses like housing, education, and transportation. [^4]
Income limits for SSI and Medical Assistance change each year. In 2025, the Social Security Cost of Living Adjustment (COLA) updated income guidelines for Minnesota benefits. Check the latest limits on the DHS website or with Disability Hub MN. [^2]
If your income, health, or living situation changes, you must report it to avoid overpayments. Overpayments can lead to repayment demands or loss of benefits. Report changes to Social Security and Minnesota DHS as soon as possible. [^5]
Contact Disability Hub MN for free, expert help with disability benefits applications and planning. They can help you navigate the system and solve problems.
Yes, if your PTSD is severe enough to prevent you from working and you meet federal or state eligibility requirements. You will need medical documentation and may need to apply for SSDI, SSI, or state programs.
You need a diagnosis from a licensed mental health professional, treatment records, and documentation of how PTSD affects your daily life and ability to work.
Apply for SSDI or SSI online, by phone, or at a local Social Security office. Apply for Medical Assistance and MSA through the DHS website or county office. Contact Disability Hub MN for help.
Minnesota offers Medical Assistance, MSA, Housing Support, vocational rehabilitation, Medicaid waivers, and ABLE accounts for people with PTSD.
Yes, health insurance benefits for regular duty disabilities are now limited to five years, unless the disability is total and permanent. Total and permanent duty disabilities still get coverage until age 65.
Children with PTSD may qualify for benefits if a parent receives Social Security benefits. They must have a qualifying disability that began before age 22.
Disclaimer: This guide is for informational purposes only and does not constitute legal or financial advice. Always consult with a qualified professional for personalized guidance.
An ABLE account is a tax-advantaged savings account for people with disabilities. In Minnesota, eligibility expanded in 2025 to people whose disability began before age 46.
Report any changes in income, health, or living situation to Social Security and Minnesota DHS as soon as possible to avoid overpayments and repayment demands.
Public safety workers with duty-related PTSD may qualify for specific benefits, including health insurance. Check Minnesota Statutes, section 299A.465 for details.
Contact Disability Hub MN for free help with applications, planning, and problem-solving. You can also contact your local county human services office.
