People in South Dakota with Obsessive-Compulsive Disorder (OCD) may qualify for federal disability benefits like SSDI and SSI, as well as state programs for Medicaid and work support. Eligibility depends on medical severity, income, and work history. This guide explains how to apply, what benefits are available, and how to keep them.
To qualify for Social Security Disability Insurance (SSDI), you must have a medical condition that prevents you from working for at least 12 months and have enough work credits from recent jobs. For Supplemental Security Income (SSI), you must have a disability, limited income, and limited resources. OCD can qualify if it meets Social Security’s criteria for a severe mental impairment that stops you from working. Both programs require a detailed medical review and proof of your work history or financial need.
SSA: How to Qualify for Disability (2025-11-06)
If you have OCD, your symptoms must be severe enough to stop you from doing any substantial work. The Social Security Administration uses a list of impairments, and OCD is included under mental disorders. You must show that your symptoms cause serious limitations in daily life and work.
In South Dakota, people with OCD may qualify for Medicaid if they are working and have a significant disability. The state’s Medicaid for Workers with Disabilities program helps people keep health coverage while working. There are also Medicaid waivers for home and community-based services, which can help with daily living support.
South Dakota Medicaid for Workers with Disabilities (2025-11-06)
If you have OCD and are working, you may be able to keep Medicaid even if your income goes above normal limits. This helps people with disabilities stay healthy and employed.
SSA: How to Apply for Disability (2025-11-06)
If you have trouble applying, ask for help from a local disability advocate or the South Dakota Benefits Specialist Network.
SSA: Disability Programs (2025-11-06)
South Dakota Department of Social Services (2025-11-06)
These programs help people with OCD stay healthy, work, and live independently. Medicaid waivers can provide services like personal care, therapy, and home modifications.
ABLE accounts let people with disabilities save money without losing SSI or Medicaid. In South Dakota, you can open an ABLE account if you became disabled before age 26. You can save up to $17,000 per year (2025 limit) and use the money for qualified disability expenses like therapy, education, and housing.
ABLE National Resource Center (2025-11-06)
SSA: SGA Limits 2025 (2025-11-06)
You must report changes in income, work, or health to avoid overpayments. If you get too much money, you may have to pay it back. Report changes online, by phone, or in person. If you lose benefits due to work, you can ask for expedited reinstatement within 60 months.
SSA: Reporting Changes (2025-11-06)
Keeping your records up to date helps you avoid problems and keeps your benefits safe.
Contact the South Dakota Benefits Specialist Network at 1-800-224-5336 for free help with disability benefits.
Yes, OCD can qualify for SSDI or SSI if it severely limits your ability to work. You must show medical proof and meet SSA’s disability criteria. South Dakota also offers Medicaid for workers with disabilities.
Gather medical records, work history, and apply online at SSA.gov or through South Dakota’s Department of Social Services. You can also call 1-800-772-1213 for help.
In 2025, the federal SSI payment is $943/month for an individual. Resources must be under $2,000 for an individual. Income limits are higher for Medicaid for workers with disabilities.
Yes, South Dakota has work incentives like Medicaid for Workers with Disabilities and the Plan for Achieving Self-Support. You can earn some income without losing all your benefits.
An ABLE account lets you save money without losing SSI or Medicaid. You can save up to $17,000 per year for disability-related expenses like therapy, education, and housing.
South Dakota’s Medicaid for Workers with Disabilities program lets you keep coverage even if your income goes above normal limits. You must report changes in income to avoid overpayments.
This guide is for informational purposes only and is not legal or financial advice. Always consult with a qualified professional for personalized guidance.
Join thousands of families who trust Purple to protect their benefits
Purple is a financial technology company, not a bank. Banking services are provided by OMB Bank, Member FDIC.
If your disability improves, you may lose benefits. But you can ask for expedited reinstatement within 60 months if your condition gets worse again.
Yes, South Dakota has the Former Foster Care Medical Program for youth aged 18-26 leaving foster care. Medicaid waivers can also help youth with disabilities.
Report changes online, by phone, or in person. You must report changes in income, work, or health to avoid overpayments and keep your benefits.
You can get free help from the South Dakota Benefits Specialist Network or a local disability advocate. They can help you apply for SSDI, SSI, Medicaid, and ABLE accounts.
