People with Obsessive-Compulsive Disorder (OCD) in Rhode Island may qualify for federal disability benefits like SSI and SSDI, as well as state-specific programs such as Medicaid Buy-In and Temporary Disability Insurance. Eligibility depends on medical severity, work history, and income. Rhode Island offers expanded Medicaid options for working people with disabilities, and vocational rehabilitation services.
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ABLE accounts let people with disabilities save money without losing SSI or Medicaid benefits. Rhode Island residents with OCD can open an ABLE account to save for disability-related expenses. Contributions do not count as income for SSI or Medicaid. Learn more about ABLE accounts and how to open one.
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For SSI, strict income and resource limits apply. For SSDI, there are no income limits, but you must not be doing substantial work. Rhode Island's Medicaid Buy-In for working people with disabilities has no income or asset limits. TDI requires a minimum base period wage of $16,800 or alternative criteria.
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If your income or work status changes, you must report it to avoid overpayments. This is true for SSI, SSDI, and state programs. Report changes promptly to avoid penalties or loss of benefits. Learn more about how to report changes and avoid overpayments.
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Contact the Social Security Administration at 1-800-772-1213 or your local Social Security office for help with federal benefits. For state programs, call the RI Department of Human Services or the Office of Rehabilitation Services.
Yes, if your OCD is severe enough to prevent you from working for at least 12 months, you may qualify for SSI or SSDI. You may also qualify for state programs like Medicaid Buy-In or Temporary Disability Insurance.
Apply for SSI or SSDI through the Social Security Administration. For state programs, apply through the RI Department of Human Services or the Office of Rehabilitation Services. You will need medical documentation.
SSI is for people with limited income and resources. SSDI is for people with a work history who paid Social Security taxes. Both require medical proof that OCD prevents you from working.
Yes, Rhode Island's Medicaid Buy-In has no income or asset limits for working people with disabilities. SSDI also has work incentives to help you return to work.
SSDI payments depend on your past earnings. SSI payments are fixed and based on federal limits. TDI pays up to $1,070 per week for up to 30 weeks.
You need documentation from your doctor or mental health provider showing how OCD affects your ability to work. This may include treatment records, therapy notes, and functional assessments.
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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Yes, Rhode Island's Medicaid Buy-In (Ticket to Work) covers working people with disabilities ages 16–64 with no income or asset limits.
TDI provides weekly payments if you cannot work due to OCD. You must meet wage and payroll deduction requirements. Benefits last up to 30 weeks.
Yes, Rhode Island's Vocational Rehabilitation Services can help you prepare for, get, or keep a job if OCD is a barrier to employment.
Children with OCD may qualify for SSI if they meet medical and financial criteria. The Social Security Administration has specific rules for children's disability claims.
