Pennsylvania residents with Panic Disorder can qualify for federal disability programs like SSI and SSDI, plus state-specific health and work supports. Eligibility depends on medical severity, work history, and financial need. This guide explains how to apply and what benefits are available.
To qualify for Social Security Disability Insurance (SSDI), you must have a significant work history and paid Social Security taxes. You need enough work credits, which depend on your age. Your Panic Disorder must be severe enough to prevent you from doing substantial work for at least 12 months. For Supplemental Security Income (SSI), you do not need a work history. Instead, you must have limited income and resources, and your Panic Disorder must meet Social Security’s definition of disability. Both programs require medical proof that your condition stops you from working 1, 2, 6.
In Pennsylvania, Panic Disorder is considered a disability if it meets federal criteria. You must show that your symptoms are severe and long-lasting, affecting your ability to work or do daily activities. SSI recipients automatically qualify for Medical Assistance (Medicaid), which covers healthcare. SSDI recipients get Medicare after a 24-month waiting period. Pennsylvania also offers Medical Assistance for Workers with Disabilities (MAWD), which has higher income limits and is designed for people who want to work but still need health coverage. You must provide medical documentation from a licensed provider to prove your Panic Disorder diagnosis and its impact 1, 2, 4.
ABLE accounts let people with disabilities save money without losing SSI, Medicaid, or other benefits. You can use the funds for qualified disability expenses like housing, education, and transportation. In Pennsylvania, you can open an ABLE account if your disability started before age 26 (this will expand to age 46 in 2026). Contributions grow tax-free, and withdrawals for qualified expenses are tax-free 5.
You must report changes in your income, work, or health to Social Security and your state agency. Not reporting changes can lead to overpayments and penalties. If you get too much in benefits, you may have to pay it back. Always keep records of your reports and updates 1.
Contact your local County Assistance Office or call the PA DHS helpline for help with applications and questions about eligibility.
Yes, Panic Disorder can qualify for SSI or SSDI if it is severe enough to prevent you from working for at least 12 months. You must provide medical proof from a licensed provider [1](https://www.disabilityresources.org/pennsylvania-disability-benefits.html), [2](https://www.pa.gov/services/dli/apply-for-a-social-security-disability-determination).
SSI is for people with low income and assets, regardless of work history. SSDI is for those with a work history and paid Social Security taxes. Both require medical proof of disability [1](https://www.disabilityresources.org/pennsylvania-disability-benefits.html).
Gather medical records, decide if you need SSI or SSDI, and apply online, by phone, or in person at Social Security. Submit all required documents and wait for a decision [2](https://www.pa.gov/services/dli/apply-for-a-social-security-disability-determination).
Yes, SSI recipients automatically get Medicaid (Medical Assistance) in Pennsylvania. SSDI recipients get Medicare after 24 months. MAWD is also available for workers with disabilities [1](https://www.disabilityresources.org/pennsylvania-disability-benefits.html), [4](https://www.phlp.org/uploads/attachments/cmevf5aioeas92fu89e5ckmqa-mawd-guide-2025.pdf).
Yes, SSDI recipients can earn up to $1,550 monthly during a trial work period without losing benefits. SSI recipients can work but face benefit reductions. MAWD also supports working with disabilities [1](https://www.disabilityresources.org/pennsylvania-disability-benefits.html), [4](https://www.phlp.org/uploads/attachments/cmevf5aioeas92fu89e5ckmqa-mawd-guide-2025.pdf).
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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An ABLE account lets you save money without losing SSI or Medicaid. You can open one in PA if your disability started before age 26 (expanding to 46 in 2026). Funds are tax-free for qualified expenses [5](https://blog.ssa.gov/able-programs-prepare-for-expanded-eligibility/).
SSDI average is $1,537/month, maximum $3,822. SSI maximum is $943/month for individuals in 2025. Amounts depend on work history and income [1](https://www.disabilityresources.org/pennsylvania-disability-benefits.html).
Yes, you must report changes to Social Security and your state agency. Not reporting can lead to overpayments and penalties. Keep records of all updates [1](https://www.disabilityresources.org/pennsylvania-disability-benefits.html).
Yes, people receiving SSI or SSDI are not subject to SNAP work requirements, making it easier to get food assistance in Pennsylvania [3](https://www.phila.gov/2025-09-05-what-you-need-to-know-about-significant-changes-to-snap-benefits/).
Report any changes in your condition to Social Security. If your condition improves, you may lose benefits. If it worsens, you may qualify for more support [1](https://www.disabilityresources.org/pennsylvania-disability-benefits.html).
