If you have Bipolar Disorder in Missouri, you may qualify for federal disability benefits like SSDI and SSI, plus state programs such as Medicaid waivers and ABLE accounts. In 2025, expect a 2.5% cost-of-living increase and updated work limits. This guide covers eligibility, how to apply, and key resources.
To get Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) for Bipolar Disorder, your condition must stop you from doing substantial work for at least 12 months. You must also meet federal work credit rules (for SSDI) or income/resource limits (for SSI). The Social Security Administration (SSA) uses a strict definition of disability, focusing on how your Bipolar Disorder affects your ability to work, not just your diagnosis. If you are unable to work due to symptoms like severe mood swings, psychosis, or inability to maintain daily routines, you may qualify. The SSA reviews medical records, treatment history, and work history to decide eligibility.
Source: SSA Disability Qualifications
If you are approved, you may also get Medicare (after 24 months for SSDI) or Medicaid (for SSI or certain waivers).
In Missouri, people with Bipolar Disorder may qualify for extra help through state programs. Missouri Medicaid (MO HealthNet) covers mental health services, including therapy and medications. You may also qualify for Medicaid waivers if you need long-term care or support services. Missouri’s ABLE program lets you save money without losing benefits. To get state help, you must meet both federal disability rules and Missouri’s income/resource limits. For example, MO HealthNet for the Aged and Disabled has a 2025 income limit of $13,303 for a single person. If you are approved for SSDI or SSI, you may automatically qualify for Medicaid or other state benefits.
Source: MO HealthNet Income Limits
Always check with your local Family Support Division office for the latest state-specific rules and help with applications.
For state programs like Medicaid or ABLE, apply through the Family Support Division or the Missouri ABLE website.
Source: SSA Disability Programs
Source: MO HealthNet Income Limits
State programs can help with housing, transportation, and daily living if you have Bipolar Disorder and qualify for disability benefits.
The Missouri ABLE program lets people with disabilities save money without losing SSI or Medicaid. You can save up to $18,000 per year in an ABLE account. Funds can be used for disability-related expenses like therapy, education, housing, and transportation. To qualify, you must have a disability that started before age 26. ABLE accounts are tax-free and do not count as income for SSI or Medicaid.
In 2025, the income limits for state programs in Missouri are:
| Program | Single Person | Couple | |---------|--------------|--------| | MO HealthNet (Aged/Disabled) | $13,303 | $17,978 | | MO HealthNet (Blind) | $15,650 | $21,150 | | SSI (Federal) | $943/month | $1,415/month | | SSDI SGA Limit | $1,620/month | $1,620/month |
Source: MO HealthNet Income Limits
These limits change yearly. Always check with your local office for the latest rules.
If your income, work, or health changes, you must report it to Social Security and Missouri agencies. Not reporting changes can lead to overpayments and penalties. For example, if you start working and earn more than the SGA limit ($1,620/month in 2025), your SSDI may be reduced. For SSI, any change in income or resources must be reported. Use the SSA online portal or call 1-800-772-1213 to report changes.
In 2025, expect a 2.5% COLA increase in SSDI and SSI payments. The SGA limit is $1,620/month for non-blind individuals. Always check for updates on the SSA website.
Call Social Security at 1-800-772-1213 or your local Family Support Division office for help with applications and questions.
Yes, if your Bipolar Disorder stops you from working for at least 12 months, you may qualify for SSDI or SSI. You must meet federal and state rules, including income and work limits.
In 2025, the maximum SSDI payment is about $3,917/month, with a 2.5% COLA increase. SSI amounts vary by income and resources, but the federal limit is $943/month for a single person.
The Substantial Gainful Activity (SGA) limit in 2025 is $1,620/month for non-blind individuals. If you earn more than this, you may not qualify for SSDI.
Yes, but you must stay under the SGA limit ($1,620/month in 2025). Social Security has work incentives to help you try working without losing benefits.
The Missouri ABLE program lets you save up to $18,000/year for disability-related expenses without losing SSI or Medicaid. You must have a disability that started before age 26.
You can apply for Medicaid (MO HealthNet) through the Family Support Division. If you get SSI or have low income, you may qualify for coverage of mental health services.
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 must report any changes in income, work, or health to Social Security and Missouri agencies. Not reporting can lead to overpayments and penalties.
Yes, Missouri offers Medicaid waivers for people with disabilities who need extra support, like home and community-based services. Check with your local Family Support Division for details.
Yes, children with Bipolar Disorder may qualify for SSI if they meet income and disability rules. Benefits may continue into adulthood if the disability started before age 22.
The 2025 cost-of-living adjustment (COLA) for disability benefits is 2.5%. This means your monthly SSDI or SSI payment will increase by about 2.5%.
