If you have Panic Disorder in Missouri, you may qualify for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI). These federal programs provide monthly payments and access to health coverage. Missouri also offers Medicaid waivers and ABLE accounts to help with extra costs. This guide explains eligibility, how to apply, and what benefits are available in 2025.
To qualify for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) with Panic Disorder, your condition must be severe enough to stop you from doing any substantial work for at least 12 months. The Social Security Administration (SSA) uses a 5-step process to decide if you are disabled. First, they check if you are working and earning above the Substantial Gainful Activity (SGA) limit. In 2025, the SGA limit is expected to be about $1,470 per month for most people. If you are not working above this limit, they look at how severe your Panic Disorder is. If it significantly limits your ability to do basic work activities, you may qualify. The SSA also checks if your condition meets or equals a listing in their Blue Book. Panic Disorder is listed under mental disorders, and you must provide medical evidence to support your claim. If you do not meet a listing, they will look at your ability to do any kind of work based on your age, education, and past work experience[3].
In Missouri, you may also qualify for Medicaid waivers if you have a developmental disability or need long-term care. These waivers can help pay for services like therapy, job coaching, or home care. To get a waiver, you must meet both federal disability rules and Missouri’s income and asset limits. Missouri also offers the MO ABLE program, which lets you save money without losing SSI or Medicaid benefits. If you have Panic Disorder and are under 26, you may qualify for the MO ABLE program. Missouri’s Medicaid income limits for adults with disabilities are about $13,303 per year for a single person in 2025. If your income is higher, you may still qualify for other programs or work incentives[5][7].
The MO ABLE program lets people with disabilities save money without losing SSI or Medicaid benefits. You can use the account for expenses like therapy, education, or housing. To qualify, your disability must have started before age 26. You can open an account online or by phone. The account does not count toward SSI or Medicaid asset limits[7].
| Program | Single Person (2025) | |---------|---------------------| | SSI | $967/month[8] | | Medicaid (Aged/Disabled) | $13,303/year[5] | | SSDI (Max) | $4,555/month[9] |
These limits can change if you work or have other income. Always report changes to the SSA to avoid overpayments[4].
You must report any changes in your income, work, or living situation to the SSA. If you do not report changes, you may get an overpayment and have to pay it back. Common changes to report include starting or stopping work, getting a raise, moving, or getting married. You can report changes online, by phone, or in person[4].
Contact Missouri’s Vocational Rehabilitation office or Protection and Advocacy Services for free help with your application and understanding your rights[6].
Yes, if your Panic Disorder is severe and stops 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 rules[3][4].
In 2025, the maximum SSDI payment is $4,555 per month, and the maximum SSI payment is $967 per month. Your actual payment depends on your work history and income[8][9].
The Substantial Gainful Activity (SGA) limit is about $1,470 per month in 2025. If you earn more than this, you may not qualify for SSDI or SSI[1][2].
Yes, but your earnings must be below the SGA limit. Missouri also offers work incentives and support services to help you return to work without losing benefits[6][4].
The MO ABLE program lets people with disabilities save money without losing SSI or Medicaid benefits. You must have a disability that started before age 26[7].
To apply for Medicaid waivers, contact your local Family Support Division office or call 1-855-373-4636. You must meet federal disability rules and Missouri’s income and asset limits[5].
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 to the SSA. If you do not report changes, you may get an overpayment and have to pay it back[4].
Yes, if you meet the rules for both programs, you can get concurrent benefits. The SSA will tell you if you qualify for one or both[4].
The approval process can take several months. The SSA will review your medical records and may ask for more information or a medical exam[3].
Missouri offers Vocational Rehabilitation, Protection and Advocacy Services, and Medicaid waivers for therapy, job coaching, and home care[6][5].
