Open a Purple account in minutes. Banking built for people with disabilities.
West Virginia • Mental Health
People with Panic Disorder in West Virginia can apply for federal disability benefits like SSI and SSDI. Most applicants are denied at first, but can appeal. There is no state disability program, but ABLE accounts and Medicaid waivers may help. Legal help can improve your chances.
To qualify for federal disability benefits (SSDI or SSI) with Panic Disorder, you must prove your condition is severe enough to stop you from working for at least 12 months. The Social Security Administration (SSA) uses a five-step process to decide eligibility:
If you meet these steps, you may qualify for SSDI or SSI[1][8].
West Virginia does not have a state disability program. Only five states (California, Hawaii, New Jersey, New York, and Rhode Island) offer state disability benefits. West Virginians must apply for federal SSDI or SSI programs. The state does offer ABLE accounts, which let people with disabilities save money without losing SSI or Medicaid eligibility. There are also Medicaid waivers for home and community-based services, which may help with mental health care. Legal advocacy groups in West Virginia can help with appeals and accessing services[3][4][7].
West Virginia does not have a state disability program. However, the state offers:
WVABLE is West Virginia’s ABLE account program. People with Panic Disorder can save and invest money without losing eligibility for SSI or Medicaid. This can help pay for therapy, medications, or other needs related to your condition. Learn more at wvtreasury.gov/Citizens/WVABLE[4].
For SSDI, you need 40 credits, 20 of which were earned in the last 10 years. For SSI, your monthly earnings must be under $1,620 (or $2,790 if blind). If you earn more, you may not qualify[6][8].
If your income or work status changes, you must report it to the SSA. Not reporting changes can lead to overpayments and penalties. See our guide on avoiding overpayments and reporting changes[internal_link].
Legal help can improve your chances of approval, especially during appeals. Many disability attorneys only charge if you win, and their fee is limited by law[5].
WVABLE lets you save and invest money without losing SSI or Medicaid eligibility. This can help with therapy, medications, or other needs related to Panic Disorder[4].
Yes, Panic Disorder can qualify for SSDI or SSI if it prevents you from working for at least 12 months. You must provide medical proof and meet SSA’s criteria[1][8].
No, West Virginia does not have a state disability program. Only five states offer state disability benefits. West Virginians must apply for federal SSDI or SSI[3].
It takes about 6.1 months to get an initial decision in West Virginia. Most people are denied at first and need to appeal, which can take up to two years[3].
The average SSDI payment in West Virginia is $1,344.70 per month. The average SSI payment is $620.09 per month[3].
Yes, you can save money with a WVABLE ABLE account without losing SSI or Medicaid eligibility. This can help with expenses related to Panic Disorder[4].
You don’t need a lawyer, but legal help can improve your chances of approval, especially during appeals. Most people are denied at first[5].
Disclaimer: This guide is for informational purposes only and does not constitute legal or financial advice. Always consult with a qualified professional for your specific situation.
You need doctor notes, therapy records, hospital visits, and any other proof of treatment for Panic Disorder. The SSA will review these to decide your claim[5][8].
You can work, but your earnings must be under $1,550/month in 2025. If you earn more, you may not qualify unless your earnings are below the threshold due to your disability[1][6].
If denied, you can appeal within 60 days. Most people are denied at first and need to appeal. Legal help can improve your chances[5][8].
Yes, Medicaid waivers provide home and community-based services for people with disabilities, including mental health support. These may help with Panic Disorder[7].
