People with Bipolar Disorder in West Virginia can get federal disability benefits like SSI and SSDI, Medicaid waivers for home care, and ABLE accounts for saving. The process can be complex, but help is available.
To qualify for federal disability benefits with Bipolar Disorder, you must show that your condition is severe enough to keep you from working for at least 12 months. The Social Security Administration (SSA) uses a strict definition of disability. You must have a medical diagnosis and proof that your symptoms limit your ability to work, communicate, or care for yourself. For SSDI, you need enough work credits from past employment. For SSI, your income and assets must be low. Both programs require detailed medical records and documentation of your symptoms and how they affect your daily life [1].
West Virginia does not have its own state disability program. Residents apply for federal SSDI and SSI benefits. However, West Virginia offers Medicaid waivers that provide home and community-based services for people with disabilities, including those with Bipolar Disorder. These waivers help you stay in your home instead of a nursing home or hospital. To qualify, you must be eligible for Medicaid and meet the waiver’s medical and functional criteria. The state also has ABLE accounts, which let people with disabilities save money without losing SSI or Medicaid benefits [4].
WVABLE is West Virginia’s ABLE account program. It lets people with disabilities save and invest money without losing SSI or Medicaid benefits. You can save up to $100,000 and invest the funds. Contributions are tax-free, and withdrawals for qualified expenses are tax-free. To open an account, visit WVABLE.wvsto.com [4].
For SSI, the income limit in 2025 is $943 per month for an individual. For SSDI, there is no strict income limit, but you must not be able to do substantial gainful activity (SGA), which is $1,550 per month in 2025. Medicaid income limits vary by program and household size [2].
If you get too much money from SSI or SSDI, you may have to pay it back. Report any changes in income, living situation, or medical condition to the SSA right away. Not reporting changes can lead to overpayments and penalties. For help, see the SSA’s guide on reporting changes [8].
Many people with Bipolar Disorder are denied at first. Local agencies and attorneys can help you with the application and appeals process. Don’t give up if you’re denied.
Yes, Bipolar Disorder is a qualifying mental health disability for federal SSDI and SSI benefits. You must show that your condition is severe enough to keep you from working for at least 12 months. West Virginia does not have its own state disability program, so you apply for federal benefits [2].
It takes an average of 6.1 months to get an initial decision in West Virginia. Most people are denied at first and need to appeal. If you appeal and go to a hearing, the process can take about two years [2].
A Medicaid waiver lets you get home and community-based services instead of living in a nursing home or hospital. Programs like CDCSP and TBIW can help with personal care, therapy, and respite care. You must be eligible for Medicaid and meet the waiver’s medical criteria [3].
An ABLE account lets people with disabilities save money without losing SSI or Medicaid benefits. West Virginia’s program is called WVABLE. You can save up to $100,000 and invest the funds. Contributions and withdrawals for qualified expenses are tax-free [4].
You don’t need a lawyer, but it can help. Most people are denied at first, and an attorney can help with the appeals process. Lawyers only get paid if you win, and their fee is limited to a small portion of your back pay [5].
This guide is for informational purposes only and is not legal or financial advice. Always consult with a qualified professional for personalized guidance.
Join thousands of families who trust Purple to protect their benefits
Purple is a financial technology company, not a bank. Banking services are provided by OMB Bank, Member FDIC.
You need a diagnosis from a mental health professional, treatment records, therapy notes, hospitalization records, and a list of medications. The SSA wants proof that your Bipolar Disorder limits your ability to work and care for yourself [2].
Yes, but there are limits. For SSI, you can earn up to $943 per month in 2025. For SSDI, you must not do substantial gainful activity, which is $1,550 per month in 2025. There are work incentives to help you try working without losing benefits [9].
If your claim is denied, you have 60 days to appeal. Most people need to appeal and may need a hearing. An attorney can help with the appeals process. The SSA will review your case and may ask for more information [5].
Contact the Bureau for Medical Services or the WVU Center for Excellence in Disabilities. They can help you apply and explain the process. You must be eligible for Medicaid and meet the waiver’s medical and functional criteria [3].
Yes, with an ABLE account. West Virginia’s WVABLE program lets you save up to $100,000 without losing SSI or Medicaid benefits. You can invest the funds and use them for qualified expenses [4].
