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Texas • Mental Health
If you have an anxiety disorder in Texas, you may qualify for federal disability benefits like SSI or SSDI, as well as state programs such as Medicaid waivers and ABLE accounts. This guide explains eligibility, how to apply, and what support is available.
To qualify for federal disability benefits (SSI or SSDI) in Texas, your anxiety disorder must:
The Social Security Administration (SSA) uses a 5-step process to decide if you are disabled:
If you cannot do any of these, you may be eligible for benefits[1][2][5][6][7].
In Texas, anxiety disorders are evaluated using the same federal criteria. However, Texas Disability Determination Services (DDS) handles the medical review. You must be a Texas resident and provide medical records from Texas providers when possible.
Texas does not have a separate state disability program, but it does offer Medicaid waivers for people with disabilities who need extra support. These waivers can help pay for therapy, counseling, and other services related to anxiety disorders. You may also qualify for a Texas ABLE account if your disability started before age 26, which lets you save money for disability-related expenses without losing benefits[4][8].
The Texas ABLE Program lets Texans with disabilities save money for disability-related expenses. To qualify, you must be a Texas resident and have developed your disability before age 26. You can save up to $18,000 per year (2025 limit) in a Texas ABLE account. Funds can be used for therapy, counseling, and other services that help maintain or improve your health and independence. Learn more at TexasABLE.org[4].
For SSI in Texas, the federal income limits are $967/month for individuals and $1,450/month for couples in 2025. The resource limits are $2,000 for individuals and $3,000 for couples. For SSDI, there is no income limit, but you must have enough work credits. The SGA limit is $1,620/month for non-blind people and $2,700/month for blind people[2][5][8].
If your income or resources change, you must report it to the SSA to avoid overpayments. Overpayments can happen if you earn more than the SGA limit or if your resources go above the SSI limits. Reporting changes helps you keep your benefits and avoid penalties. Learn more about avoiding overpayments and reporting changes[8].
Contact your local Social Security office or a disability advocate for help with your application. You can also call 1-800-772-1213 for support.
Yes, anxiety disorders can qualify for SSI or SSDI in Texas if they are severe enough to limit your ability to work or do daily activities. You must provide medical documentation and meet federal income and work history requirements[1][2][5][6][7].
The SGA limit in 2025 is $1,620/month for non-blind people and $2,700/month for blind people. If you earn more than this, you may not qualify for disability benefits[2][5].
You can apply online at SSA.gov, by phone at 1-800-772-1213, or in person at a local Social Security office. You will need medical records and financial information[1][6].
SSI is for people with limited income and resources, while SSDI is for people who have worked and paid Social Security taxes. Both programs can help people with anxiety disorders who are unable to work[8].
Yes, if you have anxiety disorders and meet income and resource limits, you may qualify for Medicaid in Texas. Medicaid can help pay for therapy, counseling, and other services[1][8].
A Texas ABLE account lets Texans with disabilities save money for disability-related expenses, such as therapy and counseling. You can save up to $18,000 per year without losing SSI or Medicaid benefits[4].
Disclaimer: This guide is for informational purposes only and does not constitute legal or financial advice. Always consult with a qualified professional for personalized guidance.
The process can take several months. Texas DDS will review your case and may ask for more information or schedule a consultative exam. The average wait time is 3-6 months[1][6].
Yes, you can work during a trial work period. In 2025, SSDI recipients can earn over $1,160 in any month during a nine-month trial work period without losing benefits[2].
You must report changes to the SSA to avoid overpayments. Overpayments can happen if you earn more than the SGA limit or if your resources go above the SSI limits[8].
Yes, children with anxiety disorders may qualify for SSI if they meet medical and income requirements. The SSA considers a child’s income and resources, as well as those of family members living in the household[5].
