People in Utah with Obsessive-Compulsive Disorder (OCD) may qualify for federal disability benefits like SSDI or SSI, as well as state programs such as Medicaid. Eligibility depends on medical evidence, work history, and income. Utah offers additional supports for those with disabilities, including Medicaid waivers and work incentives.
To qualify for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) with Obsessive-Compulsive Disorder (OCD), you must show that your condition prevents you from working at a Substantial Gainful Activity (SGA) level. For 2025, SGA is $1,620 per month for most people, or $2,700 for those who are statutorily blind. You must also meet work credit requirements for SSDI (usually 40 credits, 20 in the last 10 years) or income/resource limits for SSI. The Social Security Administration (SSA) uses medical evidence to decide if your OCD meets their definition of disability.
In Utah, individuals with OCD may qualify for Medicaid if they receive SSI or SSDI, or if the State Medicaid Medical Review Board determines disability. Utah’s Medicaid Aged, Blind or Disabled programs cover medical needs for those with qualifying disabilities. If you do not receive SSI or SSDI, the state board can review your case. Utah also offers Medicaid waivers for home and community-based services, which can help people with OCD live independently. Work incentives and reporting requirements apply to keep benefits while working.
Step 1: Collect medical evidence from doctors, therapists, or hospitals showing your OCD diagnosis and how it limits your ability to work.
Step 2: Review SSDI work credit requirements (usually 40 credits, 20 in the last 10 years) or SSI income/resource limits.
Step 3: Apply for SSDI or SSI online at SSA.gov, by phone, or in person at a local SSA office.
Step 4: If approved, report any changes in income or work to SSA to avoid overpayments.
Step 5: Apply for Utah Medicaid if you receive SSI or SSDI, or ask the State Medicaid Medical Review Board for a disability determination.
Step 6: Explore Medicaid waivers for home and community-based services to help with daily living.
Step 7: Consider opening an ABLE account to save money without losing benefits.
Step 8: Use work incentives to keep benefits while working, and report changes as required.
SSA Apply for Benefits (2025)
Utah Medicaid Application (2025)
Utah Medicaid Waivers (2025)
ABLE Accounts Utah (2025)
Social Security Disability Insurance (SSDI): For those who worked and paid into Social Security.
Supplemental Security Income (SSI): For those with limited income and resources.
Medicare: Health coverage for SSDI recipients after 24 months.
Medicaid: Health coverage for SSI recipients or those with low income.
Work Incentives: Programs to help keep benefits while working.
SSA Disability Programs (2025)
SSA Work Incentives (2025)
Utah Medicaid Aged, Blind or Disabled: Medical assistance for those with qualifying disabilities.
Utah Medicaid Waivers (HCBS): Home and community-based services for those with disabilities.
Utah ABLE Accounts: Tax-advantaged savings accounts for people with disabilities.
Utah Division of Services for People with Disabilities (DSPD): Supports for independent living and employment.
Utah Medicaid Waivers (2025)
Utah ABLE Accounts (2025)
Utah DSPD (2025)
ABLE accounts let people with disabilities save money without losing SSI or Medicaid benefits. In Utah, you can open an ABLE account to save up to $17,000 per year (2025 limit). Funds can be used for qualified disability expenses like housing, education, and transportation. Utah’s ABLE program is managed by the state treasurer.
For SSI in 2025, countable income must be below 100% of the federal poverty level, and resources must be less than $2,000. For SSDI, there is no income limit, but earnings above SGA ($1,620/month in 2025) can stop benefits. Utah Medicaid has similar income and resource limits, but work incentives may allow higher income.
You must report changes in income, work, or living situation to SSA and Utah Medicaid to avoid overpayments. Overpayments can happen if you earn more than SGA or if your income changes. If you get an overpayment, you may need to repay it, but you can ask for a waiver if it’s not your fault. Always report changes as soon as possible.
Contact your local Social Security office or Utah Medicaid for help with applications and questions about eligibility.
Yes, if your OCD is severe enough to prevent you from working at a Substantial Gainful Activity level, you may qualify for SSDI or SSI. Utah Medicaid may also cover your medical needs if you meet state requirements.
In 2025, you can earn up to $1,620 per month (or $2,700 if blind) without losing SSDI or SSI benefits. Earning more may stop your benefits, but work incentives can help.
Yes, you must report changes in income, work, or living situation to SSA and Utah Medicaid to avoid overpayments. Failing to report can result in having to repay benefits.
Yes, you can work and keep benefits if your earnings are below SGA. Utah offers work incentives and Medicaid waivers to help you work while keeping support.
You need records from doctors, therapists, or hospitals showing your OCD diagnosis and how it limits your ability to work. The SSA will review this evidence to decide if you qualify.
If you get SSI or SSDI, you may automatically qualify for Medicaid. If not, you can apply through the State Medicaid Medical Review Board for a disability determination.
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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Medicaid waivers in Utah provide home and community-based services for people with disabilities, including OCD. These services help with daily living and independent living.
Yes, Utah’s ABLE accounts let you save up to $17,000 per year without losing SSI or Medicaid benefits. Funds can be used for qualified disability expenses.
If you earn more than SGA, your benefits may be suspended or terminated. You can reapply if your earnings drop below SGA and you still have a disability.
Report changes in income, work, or living situation as soon as possible. If you get an overpayment, you may be able to ask for a waiver if it’s not your fault.
