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Texas • Mental Health
If you have Panic Disorder in Texas, you may qualify for federal disability benefits like SSDI or SSI. These programs help with monthly income and can connect you to Medicaid and other state supports. This guide covers eligibility, how to apply, and key resources for Texans with Panic Disorder.
To qualify for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) with Panic Disorder, your condition 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 qualify for benefits.
SSDI requires work credits based on your earnings. SSI is for people with limited income and resources, regardless of work history.
Sources: SSA Disability Qualification, SSA Blue Book, Trajector Disability Guide
In Texas, the process for getting disability benefits for Panic Disorder is the same as the federal process. The Texas Disability Determination Services (DDS) reviews your medical records and decides if you meet SSA criteria. There are no separate state disability programs for Panic Disorder, but Texas residents can access Medicaid waivers and other state supports if they qualify for SSI or SSDI.
Texas does not have a state-funded disability program for adults, so federal rules apply. However, Texas offers Medicaid waivers for people with disabilities who need extra care, such as home and community-based services (HCBS). These waivers can help with costs for therapy, counseling, and other supports.
If you have Panic Disorder and are approved for SSI, you may automatically qualify for Medicaid in Texas. SSDI recipients may qualify for Medicare after 24 months.
Sources: SSA Apply for Disability, Texas Law Help
Learn more about SSI & SSDI Work Incentives
Texas does not have a state-funded disability program for adults, but residents with Panic Disorder can access several state supports:
If you have Panic Disorder and are approved for SSI, you may automatically qualify for Medicaid in Texas. SSDI recipients may qualify for Medicare after 24 months.
Learn more about Medicaid Waivers (HCBS)
Sources: Texas Health and Human Services, Texas Workforce Commission
ABLE accounts let Texans with disabilities save money without losing SSI or Medicaid benefits. You can use the funds for disability-related expenses like therapy, education, and housing. To open an account, you must have a qualifying disability that began before age 26.
Learn more about ABLE Accounts
For 2025, the SGA limit 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 SSDI or SSI.
SSI resource limits are $2,000 for individuals and $3,000 for couples. These limits do not apply to SSDI.
Learn more about SSI Income Estimator
If your income or living situation changes, you must report it to the SSA. Not reporting changes can lead to overpayments and penalties. You can report changes online, by phone, or in person.
Contact your local Social Security office or a disability advocate for help with your application. Many nonprofits in Texas offer free assistance.
If you get SSI in Texas, you may automatically qualify for Medicaid. This can help cover therapy and other mental health services.
Yes, Panic Disorder can qualify for SSDI or SSI if it severely limits your ability to work and meets SSA medical criteria. You must provide medical evidence and show your condition lasts at least 12 months.
The SGA limit in 2025 is $1,620 per month for non-blind people and $2,700 for blind people. If you earn more than this, you may not qualify for disability benefits.
No, SSI is for people with limited income and resources, regardless of work history. SSDI requires work credits based on your earnings.
It can take 3 to 6 months to get a decision on a disability claim in Texas. The process may take longer if more medical evidence is needed or if you appeal a denial.
Yes, you can work during a trial work period without losing benefits. In 2025, SSDI recipients can earn over $1,160 in any month during a nine-month trial work period.
No, Texas does not have a state-funded disability program for adults. Federal rules apply, but Texans can access Medicaid waivers and other state supports if they qualify for SSI or SSDI.
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.
You need medical records showing your Panic Disorder diagnosis, symptoms, treatment, and how it affects your daily life and ability to work. Letters from your doctor or therapist can help.
Yes, children with Panic Disorder may qualify for SSI if they meet medical and income criteria. The child’s income and resources, and those of family members, are considered.
You can appeal a denial by requesting a reconsideration, a hearing, or review by the Appeals Council. You have 60 days to file an appeal after receiving a denial notice.
You must report changes in income to the SSA. Not reporting changes can lead to overpayments and penalties. You can report changes online, by phone, or in person.
