If you have Post-Traumatic Stress Disorder (PTSD) in Missouri, you may qualify for federal disability benefits like SSDI or SSI. Missouri also offers Medicaid waivers and ABLE accounts to help with healthcare and savings. This guide explains eligibility, how to apply, and what benefits are available.
To qualify for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) with PTSD, your condition must be severe enough to stop you from working for at least 12 months. The Social Security Administration (SSA) uses a list of impairments, including mental disorders, to decide if your PTSD is disabling. You must also meet work and income requirements. For SSDI, you need enough work credits. For SSI, your income and assets must be low. The SSA reviews medical records, work history, and other evidence to make a decision.
Learn more about federal disability eligibility.
In Missouri, people with PTSD may also qualify for state programs like Medicaid waivers and MO ABLE accounts. Medicaid waivers can help with home and community-based services, such as therapy and support. The MO ABLE program lets you save money without losing benefits. Missouri does not have a separate state disability program, so most people apply for federal SSDI or SSI. If you are a veteran, you may also qualify for VA benefits. Missouri agencies can help you apply and connect you to local resources.
Start your application at the Social Security website or call 1-800-772-1213.
Learn more about federal disability programs.
Learn about Missouri Medicaid waivers. Learn about MO ABLE accounts.
The MO ABLE program lets people with disabilities save money without losing federal benefits. You can use the account for disability-related expenses like therapy, education, and housing. Missouri residents can open an ABLE account online. The account does not affect SSI or SSDI benefits as long as the balance is under $100,000.
Learn more about MO ABLE accounts.
Learn about SSI income limits.
You must report changes in income, work, or living situation to avoid overpayments. If you get too much money, you may have to pay it back. Report changes as soon as possible to avoid problems. Missouri agencies can help you understand reporting rules.
Contact Social Security at 1-800-772-1213 or your local Missouri agency for help with applications and appeals.
Yes, PTSD can qualify for SSDI or SSI if it is severe enough to stop you from working for at least 12 months. You must meet SSA criteria and provide medical evidence.
The amount depends on your work history and income. In 2025, the maximum SSDI payment is about $3,917 per month. SSI payments are lower and based on income.
The SGA limit for 2025 is $1,620 per month for non-blind individuals and $2,700 for blind individuals. Earning more than this can affect your benefits.
Yes, but you cannot earn more than the SGA limit. There are work incentives and support programs to help you try working without losing benefits.
Medicaid waivers help people with disabilities get home and community-based services, such as therapy and support. They can help you live independently and get extra care.
Gather medical records, decide if you need SSDI or SSI, fill out the application online or at a local office, and submit all required documents. Missouri agencies can help.
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 ABLE program lets people with disabilities save money without losing federal benefits. Accounts can be used for disability-related expenses like therapy and housing.
Yes, you must report changes in income, work, or living situation to avoid overpayments. Report changes as soon as possible to avoid problems.
Yes, veterans may qualify for VA benefits and extra support from Missouri agencies. Contact the VA or local agencies for help.
It can take several months to get a decision. The SSA may ask for more information or schedule a medical exam. Missouri agencies can help with appeals if denied.
