Open a Purple account in minutes. Banking built for people with disabilities.
Washington • Mental Health
If you have Bipolar Disorder in Washington, you may qualify for federal disability benefits like SSI and SSDI, Medicaid, and state support programs. This guide explains eligibility, how to apply, and what to expect.
To qualify for federal disability benefits with Bipolar Disorder, your condition must prevent you from working for at least 12 months and meet the Social Security Administration's (SSA) definition of disability. The SSA evaluates both medical and work-related factors. For SSDI, you need enough work credits from jobs where you paid Social Security taxes. For SSI, you must have limited income and resources, regardless of work history. Both programs require that your Bipolar Disorder causes significant limitations in your ability to work and daily living. The SSA uses a medical listing for Bipolar Disorder (Listing 12.04) to determine if your symptoms are severe enough for approval[2][8].
Washington does not have its own state disability program for Bipolar Disorder. However, residents can qualify for federal SSI and SSDI, and may receive a state supplement to SSI payments. Washington also offers Medicaid, which can cover mental health services and supports. If you are approved for SSI, you may be eligible for a State Supplementary Payment (SSP) to help cover living costs. Medicaid waivers can provide additional support for home and community-based services. The state does not require repayment of ABD (Aged, Blind, and Disabled) cash assistance for those who later qualify for federal disability, but this change takes effect in October 2025[1][3][5].
ABLE accounts allow people with disabilities to save money without losing SSI or Medicaid benefits. Washington residents can open an ABLE account to save for disability-related expenses. Contributions are limited, and funds can be used for qualified expenses like education, housing, and transportation[internal_link_able_accounts].
For SSI, the federal income limit in 2025 is $967 per month for individuals and $1,450 for couples. Washington state may have additional limits for state supplements and Medicaid. Income from work, other benefits, and resources are considered when determining eligibility[3][5].
It is important to report any changes in your income, living situation, or medical condition to avoid overpayments. If you receive too much in benefits, you may have to pay it back. Washington state has specific rules for reporting changes and avoiding overpayments[internal_link_overpayments_and_reporting].
Contact your local Social Security office or a disability advocate for help with your application. They can guide you through the process and answer your questions.
Yes, Bipolar Disorder can qualify for SSI or SSDI if it prevents you from working for at least 12 months and meets the SSA's medical criteria. You must provide medical evidence of your condition and how it affects your ability to work[2][8].
SSI is for those with limited income and resources, regardless of work history. SSDI is for those with a work history and enough Social Security credits. Both programs provide monthly payments for those with disabilities[2][5].
No, Washington does not have a state disability program. Residents must apply for federal SSI and SSDI. However, Washington offers state supplements to SSI and Medicaid for additional support[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 to provide medical records and proof of income[6][8].
The State Supplementary Payment (SSP) is extra money provided by Washington to SSI recipients to help with living costs. The amount varies based on your situation and can be applied for when you apply for SSI[3].
Yes, you can work during a trial work period without losing benefits. After the trial period, your benefits may be reduced if you earn above a certain amount. Work incentives are available to help you return to work[internal_link_work_incentives].
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.
Washington offers Medicaid waivers like the Community First Choice (CFC) waiver, which provides home and community-based services for those with disabilities. These waivers can help with daily living and support services[internal_link_medicaid_waivers].
The average time for an initial decision in Washington is about 6 months. Most people are initially denied and need to appeal, which can take up to two years if a hearing is required[5].
An ABLE account allows people with disabilities to save money without losing SSI or Medicaid benefits. Funds can be used for qualified disability expenses like education, housing, and transportation[internal_link_able_accounts].
Yes, you must report any changes in income, living situation, or medical condition to avoid overpayments. If you receive too much in benefits, you may have to pay it back[internal_link_overpayments_and_reporting].
