If you have Panic Disorder in South Dakota, you may qualify for federal disability programs like SSI and SSDI, as well as state-specific supports. This guide explains eligibility, how to apply, and what benefits are available.
To qualify for Social Security Disability Insurance (SSDI), you must have a medical condition that prevents you from working, and you must have paid enough Social Security taxes to earn the required work credits. For most adults, this means 40 credits, with 20 earned in the last 10 years before your disability began. Panic Disorder may qualify if it severely limits your ability to work and is expected to last at least one year or result in death. Supplemental Security Income (SSI) is for people with limited income and resources who are disabled, blind, or age 65 or older. Both programs require that your disability meets Social Security Administration (SSA) criteria, including inability to do previous work and inability to adjust to other work due to your condition [ssa.gov, 2025-11-06].
In South Dakota, individuals with Panic Disorder may qualify for Medicaid for Workers with Disabilities if they are employed and have a significant disability. This program helps people return to work or remain employed while keeping Medicaid coverage. South Dakota also offers Home and Community-Based Services (HCBS) waivers for those who need long-term support. To qualify for these programs, you must meet both federal disability criteria and state-specific income and resource limits. The state uses the federal SGA (Substantial Gainful Activity) limits to determine eligibility, but may have additional requirements for Medicaid and waiver programs [dss.sd.gov, 2025-11-06; ssa.gov, 2025-11-06].
South Dakota offers ABLE accounts, which allow individuals with disabilities to save money for disability-related expenses without losing eligibility for SSI, Medicaid, or other means-tested benefits. You can save up to $17,000 per year in an ABLE account, and the funds can be used for expenses like education, housing, transportation, and more [able.gov, 2025-11-06].
For SSI in 2025, the federal income limit is $943 per month for an individual and $1,415 for a couple. The resource limit is $2,000 for an individual and $3,000 for a couple. For SSDI, there is no income limit, but your earnings must be below the SGA limit, which is $1,620 per month for non-blind individuals and $2,700 for blind individuals in 2025 [ssa.gov, 2025-11-06; bsnsd.org, 2025-11-06].
It is important to report any changes in your income, resources, or living situation to the Social Security Administration and the South Dakota Department of Social Services. Failing to report changes can result in overpayments, which you may have to repay. You can report changes online, by phone, or in person [ssa.gov, 2025-11-06; dss.sd.gov, 2025-11-06].
Contact the South Dakota Benefits Specialist Network at 1-800-224-5336 for free help with applications and benefits questions.
Yes, Panic Disorder can qualify for SSI and SSDI if it severely limits your ability to work and meets Social Security Administration criteria. You must provide medical evidence and meet income/resource limits for SSI [ssa.gov, 2025-11-06].
The SGA limit for 2025 is $1,620 per month for non-blind individuals and $2,700 for blind individuals. Earning above this limit may affect your disability benefits [bsnsd.org, 2025-11-06].
You can apply online at SSA.gov, by phone, or in person at a local Social Security office. You will need to provide medical records, work history, and proof of income and resources [ssa.gov, 2025-11-06].
This program allows individuals with disabilities to work and keep Medicaid coverage. It is for those who are employed and have a significant disability [dss.sd.gov, 2025-11-06].
HCBS waivers provide long-term support for people with disabilities who need help with daily living. Services may include personal care, respite care, and more [dss.sd.gov, 2025-11-06].
An ABLE account allows individuals with disabilities to save money for disability-related expenses without losing eligibility for means-tested benefits. You can save up to $17,000 per year [able.gov, 2025-11-06].
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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You can report changes online, by phone, or in person to the Social Security Administration and the South Dakota Department of Social Services. This helps avoid overpayments [ssa.gov, 2025-11-06; dss.sd.gov, 2025-11-06].
The federal income limit for SSI in 2025 is $943 per month for an individual and $1,415 for a couple. The resource limit is $2,000 for an individual and $3,000 for a couple [ssa.gov, 2025-11-06; bsnsd.org, 2025-11-06].
Yes, you can work while receiving disability benefits, but your earnings must be below the SGA limit. Work incentives like PASS and IRWE can help you keep benefits while working [bsnsd.org, 2025-11-06].
If you no longer qualify for benefits due to work, you may be eligible for expedited reinstatement within 60 months. You can receive provisional benefits for 6 months while a disability determination is made [bsnsd.org, 2025-11-06].
