If you have an anxiety disorder in Missouri, you may qualify for federal disability benefits like SSDI or SSI, plus state programs such as MO HealthNet and ABLE accounts. In 2025, expect a 2.5% cost-of-living increase and updated income limits. This guide covers eligibility, how to apply, and key resources.
To qualify for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) with an anxiety disorder, your condition must prevent you from working for at least 12 months and meet the Social Security Administration’s definition of disability. You must also have a medical record showing your diagnosis and how it limits your daily activities and work. For SSDI, you need enough work credits. For SSI, your income and assets must be below strict limits. The SSA reviews your medical evidence, work history, and financial situation to decide eligibility.
Source: SSA Disability Qualifications
In Missouri, people with anxiety disorders may also qualify for state-specific programs. MO HealthNet (Medicaid) provides health coverage for low-income individuals with disabilities, including those with anxiety disorders. To qualify, your income must be below certain limits, which are updated annually. Missouri also offers Medicaid waivers for home and community-based services (HCBS), which can help with therapy, counseling, and support services.
Source: MO HealthNet Income Limits, Source: Missouri ABLE Program
Source: SSA Disability Application, Source: MO HealthNet Application, Source: Missouri ABLE Program
Source: SSA Disability Benefits
Source: MO HealthNet Income Limits, Source: Missouri ABLE Program, Source: Missouri Vocational Rehabilitation
The Missouri ABLE program lets people with disabilities save money in a tax-advantaged account without losing federal benefits like SSI or SSDI. You can use the funds for disability-related expenses, such as therapy, education, or transportation. Missouri residents can open an ABLE account online. The annual contribution limit is $18,000 in 2025, and the account balance does not count toward SSI asset limits.
| Program | 2025 Income Limit (Single) | 2025 Income Limit (Couple) | |---------|-----------------------------|-----------------------------| | MO HealthNet | $13,303/year | $17,978/year | | SSI (Federal) | $943/month | $1,415/month | | SSDI (SGA Limit) | $1,620/month | $1,620/month |
Source: MO HealthNet Income Limits, Source: SSA SGA Limit
You must report any changes in income, work, or living situation to Social Security and MO HealthNet. If you start working or your income increases, your benefits may be reduced or stopped. If you do not report changes, you may owe money back (overpayment). Report changes as soon as possible to avoid problems. You can report changes online, by phone, or in person.
Contact Missouri Protection and Advocacy Services at 1-800-392-8667 for free help with disability applications and appeals.
Yes, if your anxiety disorder is severe enough to prevent you from working for at least 12 months, you may qualify for SSDI or SSI. You must provide medical evidence and meet income and asset limits.
In 2025, the maximum SSDI payment is about $3,917 per month, and the federal SSI base rate is $943 per month. Missouri may add a small state supplement to SSI.
The SGA limit for non-blind individuals in 2025 is $1,620 per month. If you earn more than this, you may not qualify for SSDI or SSI.
Missouri does not have a separate state disability benefit. However, you may qualify for MO HealthNet, Medicaid waivers, food stamps, and other state programs.
You can apply for SSDI or SSI online at SSA.gov, by phone, or in person. For MO HealthNet, apply at MyDSS.mo.gov. Gather medical records and proof of income before applying.
Yes, but your monthly earnings must be below the SGA limit ($1,620 in 2025). If you earn more, your benefits may be reduced or stopped.
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 MO HealthNet income limit for a single person in 2025 is $13,303 per year. For a couple, it is $17,978 per year.
An ABLE account lets people with disabilities save money without losing federal benefits. Missouri residents can open an ABLE account online. The annual contribution limit is $18,000 in 2025.
Yes, you must report any changes in income, work, or living situation to Social Security and MO HealthNet. If you do not report changes, you may owe money back (overpayment).
If your application is denied, you can appeal the decision. Contact a disability advocate or attorney for help. You may need to provide more medical evidence or attend a hearing.
