If you have Post-Traumatic Stress Disorder (PTSD) and cannot work, you may qualify for federal disability benefits like SSI or SSDI in Tennessee. State programs can also help with housing, counseling, and family support. This guide explains eligibility, how to apply, and what resources are available.
To qualify for Social Security Disability Insurance (SSDI), you must have a severe medical condition like PTSD that stops you from working for at least 12 months. You also 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. For Supplemental Security Income (SSI), you must have low income and limited resources, and your PTSD must meet Social Security’s disability criteria. Both programs require that your condition prevents you from earning more than $1,620 per month in 2025 (or $2,700 if blind) from Substantial Gainful Activity (SGA)[^1][^5].
In Tennessee, people with PTSD may also qualify for state programs that help with housing, counseling, and family support. The Family Support Program can provide up to $6,000 per year for families with a member who has a severe disability, including PTSD. This can help pay for things like counseling, home modifications, or respite care. Tennessee also offers Medicaid waivers for home and community-based services, which can include mental health support. You do not need to be on SSDI or SSI to qualify for some state programs, but income and disability severity are important factors[^3][^4].
The two main federal disability programs are Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). SSDI is for people who have worked and paid Social Security taxes. SSI is for people with low income and limited resources. Both programs provide monthly payments and may help you qualify for Medicaid or Medicare. If you have PTSD, you may also qualify for VA disability benefits if you are a veteran[^2][^5].
Tennessee offers several programs for people with PTSD and other disabilities. The Family Support Program can help families pay for counseling, home modifications, respite care, and other needs. The program is funded by the state and is available to families with children or adults who have severe disabilities. Tennessee also has Medicaid waivers for home and community-based services, which can include mental health counseling and support. The state’s Medicaid program, TennCare, covers mental health services for eligible residents. Local mental health agencies can help connect you to counseling and other resources[^3][^4].
An ABLE account lets people with disabilities save money without losing eligibility for SSI or Medicaid. In Tennessee, you can open an ABLE account to pay for disability-related expenses like therapy, housing, or education. Contributions are tax-free, and withdrawals for qualified expenses are not taxed. This can be a helpful tool for managing money if you have PTSD and receive benefits[^3].
For SSI in 2025, the maximum monthly payment is $967 for an individual. To qualify, your income and resources must be below certain limits. For SSDI, there is no income limit, but you must not earn more than $1,620 per month from Substantial Gainful Activity (SGA). If you are blind, the SGA limit is $2,700. State programs may have different income rules, so check with your local agency for details[^2][^5].
If your income, living situation, or health changes, you must report it to Social Security or your state agency. Failing to report changes can lead to overpayments, which you may have to repay. Always keep records of your benefits and report changes as soon as possible to avoid problems[^5].
Contact your local Social Security office or Tennessee Department of Mental Health for help with your application. Benefits counselors can guide you through the process.
Yes, PTSD can qualify for SSI or SSDI if it prevents you from working for at least 12 months and meets Social Security’s disability criteria. You must provide medical evidence showing how your symptoms affect your daily life and work.
You can apply for federal disability benefits online at SSA.gov, by phone, or at a local Social Security office. For state programs, contact your local Family Support Program or Department of Mental Health.
You will need medical records from your doctor or therapist that detail your PTSD diagnosis, symptoms, and how it limits your daily activities and work. You may also need work history and income information.
The maximum SSI payment in 2025 is $967 per month. SSDI payments vary based on your work history. State programs may provide additional help with housing, counseling, or family support.
You can work, but your earnings must be below the Substantial Gainful Activity limit ($1,620 per month in 2025). Social Security offers work incentives and trial work periods to help you test your ability to work without losing benefits.
Tennessee offers the Family Support Program, Medicaid waivers for home and community-based services, and TennCare for mental health services. Local agencies can help with counseling, housing, and family support.
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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No, you do not need to be a veteran. PTSD can qualify for SSI or SSDI for anyone who meets the disability and income or work credit rules. Veterans may also qualify for VA disability benefits.
The process can take several months. Social Security may need to review your medical records and may ask for additional exams. State programs may have different processing times.
Yes, Tennessee offers housing assistance programs for people with disabilities, including PTSD. The Family Support Program and Medicaid waivers may help with housing costs or home modifications.
If your application is denied, you can appeal within 60 days. You may need to provide more medical evidence or attend a hearing. Help is available from benefits counselors.
