If you have Obsessive-Compulsive Disorder (OCD) in Missouri, you may qualify for federal disability benefits like SSDI or SSI. These programs help cover basic needs and medical costs. Missouri also offers state-specific support, including Medicaid waivers and ABLE accounts. This guide explains eligibility, how to apply, and what changed in 2025.
To get Social Security Disability Insurance (SSDI) for Obsessive-Compulsive Disorder (OCD), you must:
For Supplemental Security Income (SSI), you must:
Both programs require medical proof that your OCD is severe enough to stop you from working full-time. The SSA reviews medical records, work history, and how your symptoms affect daily life[^1][^2].
In Missouri, eligibility for disability benefits is based on federal rules. However, Missouri offers extra help through Medicaid waivers and state programs. To qualify for Missouri Medicaid waivers, you must be eligible for SSI or meet income and disability requirements. The state also has the MO ABLE program, which lets people with disabilities save money without losing benefits. If you have OCD, you may qualify if your symptoms prevent you from working and meet federal and state criteria. Missouri does not have a separate state disability program, so most support comes from federal benefits and Medicaid[^3][^4].
The MO ABLE program lets people with OCD save money in a tax-advantaged account. You can save up to $18,000 per year without losing SSI or Medicaid benefits. Funds can be used for housing, education, and disability-related expenses. To open an account, visit the MO ABLE website[^7].
In 2025, the Substantial Gainful Activity (SGA) limit for SSDI is $1,620 per month (or $2,700 if blind). If you earn more than this, your benefits may stop. For SSI, the federal income limit is $967 per month for a single person. Missouri Medicaid income limits vary by household size; check the official chart for 2025[^11][^12].
If your income, work, or health changes, report it to Social Security right away. Not reporting changes can lead to overpayments and penalties. You can report changes online, by phone, or in person. For help, see the guide on avoiding overpayments and reporting changes[^8].
Yes, if your OCD is severe enough to prevent you from working for at least 12 months, you may qualify for SSDI or SSI. You must meet federal disability criteria and provide medical proof of your condition.
For SSDI, the SGA limit is $1,620 per month in 2025. For SSI, the federal limit is $967 per month for a single person. Missouri Medicaid limits vary by household size.
Gather medical records, work history, and apply online, by phone, or in person with Social Security. You can also apply for Medicaid waivers and ABLE accounts for extra support.
The MO ABLE program lets people with disabilities save money in a tax-advantaged account without losing SSI or Medicaid benefits. You can use funds for housing, education, and disability-related expenses.
Medicaid waivers in Missouri provide extra support for people with disabilities, including those with OCD. They can help pay for home care, therapy, and other services if you meet income and disability rules.
If you work and earn more than the SGA limit ($1,620/month in 2025), your SSDI benefits may stop. SSI has different rules. Work incentives let you try employment without losing benefits.
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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In 2025, SSDI and SSI benefits will increase by 2.5% due to the cost-of-living adjustment. This means your monthly check will be about 2.5% higher.
Yes, children with OCD may qualify for SSI if they meet the disability criteria and their family has low income. Adults with OCD that began before age 22 may also qualify for benefits on a parent's record.
You need medical records showing your OCD diagnosis, how it affects your daily life, and why it prevents you from working. This can include doctor notes, therapy records, and test results.
The process can take several months to over a year. It depends on how quickly Social Security gets your records and makes a decision. You can check your application status online.
