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Utah • Mental Health
If you have Post-Traumatic Stress Disorder (PTSD) in Utah, you may qualify for federal disability benefits like SSDI or SSI. These programs offer monthly payments and health coverage. Utah also provides Medicaid waivers and work incentives to help people with disabilities live independently.
To get Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) for PTSD, your condition must stop you from working for at least 12 months. SSDI is for people who paid into Social Security through work. SSI is for those with low income and limited resources. Both programs use the same medical definition of disability. In 2025, if you earn more than $1,620 per month (or $2,700 if blind), you may not qualify for cash benefits. This is called the Substantial Gainful Activity (SGA) limit. You must also meet work credit rules for SSDI or income/resource rules for SSI. [^1][^2][^4]
Utah residents with PTSD can apply for federal disability benefits through the Social Security Administration. Utah’s Disability Determination Services (DDS) reviews medical evidence to decide if you meet federal rules. Utah also offers Medicaid waivers for people with disabilities who need extra help with daily living. These waivers can pay for services like personal care, therapy, and supported employment. To qualify, you must meet both federal and Utah-specific rules. State-specific information is limited; start here: Social Security Disability in Utah and Utah Medicaid Waivers. [^3][^4]
Each step is important. Missing documents or not reporting changes can delay or stop benefits. [^3][^4]
These programs help people with PTSD live independently and get medical care. [^1][^4]
Utah offers Medicaid waivers for people with disabilities, including those with PTSD. These waivers can pay for services like personal care, therapy, and supported employment. Utah also has vocational rehabilitation services to help people with disabilities find and keep jobs. To apply for Medicaid waivers, contact the Utah Department of Health and Human Services. State-specific information is limited; start here: Utah Medicaid Waivers and Utah Vocational Rehabilitation. [^3][^4]
An ABLE account lets people with disabilities save money without losing SSI or Medicaid benefits. In 2025, you can contribute up to $19,000 per year. ABLE accounts can pay for expenses like housing, education, and therapy. Learn more at ABLE National Resource Center. [^5]
In 2025, the SGA limit is $1,620/month for non-blind individuals and $2,700/month for blind individuals. Earning more than this may stop your cash benefits. SSI has separate income and resource limits. Use the SSI Income Estimator to check your eligibility. [^2][^4]
You must report changes in income, work, or living situation to avoid overpayments. If you get too much money, you may have to pay it back. Report changes online, by phone, or in person. Learn more at Avoiding Overpayments & Reporting Changes. [^4]
Contact Utah Disability Determination Services for help with your application. They can answer questions and guide you through the process.
Yes, PTSD can qualify for SSDI or SSI if it stops you from working for at least 12 months. You must meet federal rules and provide medical evidence. Utah DDS reviews your case.
In 2025, the SGA limit is $1,620/month for non-blind individuals and $2,700/month for blind individuals. Earning more than this may stop your cash benefits.
You can apply online at SSA.gov, by phone, or in person. Utah DDS will review your medical evidence. You may need to provide records from a doctor or therapist.
Medicaid waivers pay for extra services like personal care, therapy, and supported employment for people with disabilities. You must meet federal and Utah rules to qualify.
Yes, you can work, but your earnings must be below the SGA limit. Work incentives let you test employment without losing benefits.
An ABLE account lets people with disabilities save money without losing SSI or Medicaid benefits. In 2025, you can contribute up to $19,000 per year.
It usually takes 3–6 months to get a decision. If denied, you can appeal. Utah DDS may ask for more medical records.
Disclaimer: This guide is for informational purposes only. Always check official sources for the most current rules and eligibility.
Yes, you must report changes in income, work, or living situation to avoid overpayments. Report changes online, by phone, or in person.
Children with PTSD may get benefits if they meet federal rules. Benefits usually stop at age 18 unless they have a qualifying disability.
If your PTSD gets worse, you can ask for a review of your case. You may qualify for more benefits or extra support.
