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New Jersey • Mental Health
People with Panic Disorder in New Jersey may qualify for federal and state disability benefits, including SSDI, SSI, Temporary Disability Insurance (TDI), and Medicaid. This guide explains eligibility, how to apply, and key resources.
To qualify for federal disability benefits (SSDI or SSI) with Panic Disorder, your condition must be severe enough to prevent you from doing substantial work for at least 12 months. For SSDI, you need enough work credits based on your age and work history. In 2025, most adults need 40 credits, with 20 earned in the last 10 years. For SSI, you must have limited income and resources. The Substantial Gainful Activity (SGA) limit is $1,550 per month for non-blind individuals in 2025. If you earn more than this, you usually do not qualify for SSDI, but special circumstances may apply[1].
In New Jersey, Panic Disorder may qualify you for Temporary Disability Insurance (TDI) if it prevents you from working for at least 7 days. To qualify for TDI, you must have worked 20 weeks earning at least $303 per week, or earned a total of $15,200 in the base year. TDI pays up to $1,081 per week for up to 26 weeks. Family Leave Insurance (FLI) may also be available if you need time off to care for yourself or a family member. Both TDI and FLI require employee contributions (0.23% for TDI, 0.33% for FLI in 2025) on wages up to $165,400[3][4][5].
New Jersey offers ABLE accounts for people with disabilities. You can save up to $17,000 per year (2025) without losing SSI or Medicaid benefits. Funds can be used for disability-related expenses like therapy, education, and housing[3].
For SSI in 2025, the federal income limit is $943 per month for an individual. For TDI, you must have earned at least $303 per week for 20 weeks or $15,200 total in the base year. For Medicaid, income limits vary by program and household size[3][4][5].
If your income or work status changes, you must report it to avoid overpayments. Overpayments can lead to benefit reductions or repayment. Always report changes to Social Security, TDI, and Medicaid agencies[1][3].
Contact the NJ Division of Disability Services or your local Social Security office for help with applications and forms.
Yes, Panic Disorder can qualify for SSDI, SSI, and TDI if it severely limits your ability to work. You must provide medical evidence and meet income and work requirements[1][3].
In 2025, the maximum weekly benefit is $1,081 for up to 26 weeks. Your actual benefit depends on your earnings and how long you are disabled[3][4][5].
Yes, you must have worked 20 weeks earning at least $303 per week, or earned a total of $15,200 in the base year to qualify for TDI[3][4][5].
Yes, you can get both if you meet the eligibility rules for each. SSDI is for long-term disability, TDI is for short-term needs[1][3].
You need a diagnosis from a licensed provider, treatment records, and a statement on how Panic Disorder limits your work. The SSA and TDI require detailed medical documentation[1][3].
Apply online through NJ FamilyCare or at your county welfare agency. You may qualify for Medicaid waivers for long-term support[3].
Disclaimer: This guide is for informational purposes only. Always consult an attorney or benefits expert for advice on your specific situation.
An ABLE account lets you save for disability expenses without losing SSI or Medicaid benefits. NJ offers ABLE accounts for residents with disabilities[3].
Yes, you must report changes to avoid overpayments. Overpayments can lead to benefit reductions or repayment. Always report changes to all benefit agencies[1][3].
