Open a Purple account in minutes. Banking built for people with disabilities.
Tennessee • Mental Health
If you have anxiety disorders in Tennessee, you may qualify for federal disability benefits like SSI and SSDI, plus state programs for support and services. This guide explains eligibility, how to apply, and what help is available.
To qualify for federal disability benefits in Tennessee, you must have a medical condition that prevents you from working for at least 12 months. For Social Security Disability Insurance (SSDI), you need enough work credits from jobs where you paid Social Security taxes. Most adults need 40 credits, with 20 earned in the last 10 years before becoming disabled. Supplemental Security Income (SSI) is for those with low income and limited resources, regardless of work history. Both programs require that your anxiety disorder is severe enough to stop you from doing substantial work. In 2025, substantial work means earning more than $1,620 per month (or $2,700 if blind) [5].
In Tennessee, anxiety disorders may qualify for state-specific programs if you meet federal eligibility for SSI or SSDI. The Family Support Program helps families with children or adults with severe disabilities, including mental health conditions, by providing respite care, home modifications, and other supports. Eligibility for these services depends on your family's needs and available resources. Tennessee also offers Medicaid waivers for home and community-based services, which can help with daily living and therapy for anxiety disorders. You must apply for these programs separately and meet both federal and state criteria [3].
ABLE accounts let people with disabilities save money without losing SSI or Medicaid benefits. Tennessee offers ABLE accounts through the TN ABLE program. You can use these funds for education, housing, transportation, and other disability-related expenses. Learn more about opening an ABLE account in Tennessee [internal_link: ABLE Accounts].
For SSI in 2025, the maximum monthly payment is $967 for an individual. SSDI payments vary based on your work history, up to $4,018 per month. To qualify for SSI, your income and resources must be below federal limits. For SSDI, you must not earn more than $1,620 per month (or $2,700 if blind) from substantial work [2].
Always report changes in income, work, or health to Social Security and state agencies. Failing to report can lead to overpayments and penalties. If you get an overpayment, you may have to repay it, but you can request a waiver if it wasn't your fault. Learn more about avoiding overpayments and reporting changes [internal_link: Avoiding Overpayments & Reporting Changes].
Contact your local Social Security office or a disability advocate for help with your application. Many organizations offer free assistance to Tennessee residents.
Yes, anxiety disorders can qualify for SSI and SSDI if they are severe enough to prevent you from working for at least 12 months. You must provide medical evidence and meet federal income or work credit rules [1].
SSI is for those with low income and limited resources, while SSDI is for those with a work history and enough Social Security credits. Both require a severe disability that stops you from working [2].
SSI pays up to $967 per month in 2025. SSDI payments vary based on your work history, up to $4,018 per month. Payments depend on your income and resources [2].
Tennessee offers the Family Support Program, Medicaid waivers, TennCare, and housing assistance. These programs provide respite care, therapy, home modifications, and daily living support for those with severe disabilities [3].
Apply for SSI or SSDI online, by phone, or in person. Gather medical records and work history. If approved, apply for state programs like Medicaid waivers or Family Support for extra help [1].
Yes, always report changes in income, work, or health to Social Security and state agencies. Failing to report can lead to overpayments and penalties [5].
Disclaimer: This guide is for informational purposes only. Always check with official agencies for the most current rules and eligibility.
You can work, but your earnings must be below the substantial work limit ($1,620 per month in 2025). Social Security offers work incentives and trial periods to help you test your ability to work without losing benefits [1].
If your claim is denied, you can appeal within 60 days. Gather more medical evidence and consider getting help from a disability advocate or attorney. Appeals can take several months [1].
Yes, children with severe anxiety disorders may qualify for SSI, Medicaid waivers, and the Family Support Program. These programs provide therapy, respite care, and daily living support for children and families [3].
The process can take 3 to 6 months or longer, depending on the complexity of your case and the backlog at Social Security. Some conditions may qualify for immediate payments while your claim is reviewed [6].
