If you have Panic Disorder in Washington, you may qualify for federal disability benefits (SSI or SSDI) and state programs. Eligibility depends on your work history, income, and how your condition affects your ability to work. This guide explains how to apply and what support is available.
To qualify for federal disability benefits in Washington, your Panic Disorder must be severe enough to prevent you from doing substantial work for at least 12 months. The Social Security Administration (SSA) uses the same medical definition for all disabilities, including Panic Disorder.
For Social Security Disability Insurance (SSDI), you need enough work credits from jobs where you paid Social Security taxes. In 2025, you earn one credit for each $1,810 in covered earnings, up to four credits per year. Most adults need 40 credits, with 20 earned in the last 10 years before becoming disabled. The exact number depends on your age when you became disabled.
For Supplemental Security Income (SSI), you must have limited income and resources, regardless of work history. SSI is for people with low income and few assets. Both programs require that your condition meets SSA’s definition of disability, which means it must significantly limit your ability to work[1][3][8].
In Washington, Panic Disorder may qualify you for state programs if you meet income and medical requirements. The Aged, Blind, or Disabled (ABD) cash assistance program helps low-income people who are likely to meet SSI disability criteria. You must be at least 18, have a health condition that stops you from working for at least 12 months, and meet income and resource limits. The maximum monthly cash grant is $450 for a single person or $570 for a married couple. ABD recipients also get help applying for SSI and Medicaid.
Washington also offers a State Supplementary Payment (SSP) to SSI recipients, which adds extra money to your monthly SSI payment. This helps cover the higher cost of living in Washington. You cannot get ABD if you are already receiving SSI or SSDI benefits[5][4].
ABLE accounts let people with disabilities save money without losing SSI or Medicaid benefits. Washington residents can open an ABLE account to save for disability-related expenses. Contributions are tax-free, and withdrawals for qualified expenses are not taxed. Learn more about Washington ABLE accounts and how to open one[3].
For SSI in 2025, the federal income limit is $967 per month for individuals and $1,450 for couples. Washington’s SSP adds extra money to SSI payments. For ABD cash assistance, you must meet strict income and resource limits. These limits change each year, so check with DSHS for current amounts[4][5].
You must report any changes in your condition, income, or living situation to avoid overpayments. If you get too much money, you may have to pay it back. Reporting changes helps keep your benefits and avoid penalties. Learn more about avoiding overpayments and reporting changes[2][5].
Contact your local DSHS office or a disability advocate for help with your application. They can guide you through the process and answer your questions.
Yes, if your Panic Disorder is severe enough to prevent you from working for at least 12 months, you may qualify for SSI or SSDI. You must meet SSA’s medical and financial requirements[1][3].
You can apply for SSI or SSDI online at SSA.gov, by phone, or in person. If you have low income, also apply for ABD cash assistance through DSHS[1][5].
ABD is a state program that provides cash grants to low-income people who are likely to meet SSI disability criteria. The maximum grant is $450 for singles or $570 for couples[5].
The federal SSI payment is $967 per month for individuals in 2025. Washington adds a State Supplementary Payment to help cover higher living costs[4].
Yes, you can try to work without losing benefits. SSA has a trial work period and other work incentives. If you earn above the SGA limit ($1,550/month in 2025), you may lose benefits[1][10].
You need medical records showing your diagnosis, treatment, and how your Panic Disorder affects your ability to work. SSA will review this evidence to decide if you qualify[1][3].
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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The process can take several months. SSA reviews your application and medical evidence. If denied, you can appeal. ABD can help while you wait for federal benefits[5].
Yes, if you get SSI or ABD, you may qualify for Medicaid. Medicaid provides health coverage for people with disabilities and low income[5][9].
The SSP is extra money for SSI recipients to help cover the higher cost of living in Washington. It is added to your monthly SSI payment[4].
No, starting in October 2025, Washington will no longer require ABD recipients to pay back benefits once they qualify for SSI. This change helps low-income people keep more of their benefits[2].
