How Does Mental Health Disability Pay?

The Social Security Administration (SSA) provides disability benefits to individuals with mental health conditions that prevent them from working. To qualify for mental health disability pay, your condition must meet certain criteria and you must meet specific work history requirements.

SSA Disability Programs

The SSA offers two main disability programs:

1. Social Security Disability Insurance (SSDI): This program is for individuals who have worked long enough and paid Social Security taxes. To qualify, you must have a mental health condition that is expected to last at least 12 months or result in death, and you must be unable to engage in substantial gainful activity (SGA). SGA is defined as work that earns more than a certain amount, which is adjusted each year. In 2023, the SGA limit is $1,470 per month for individuals and $2,460 per month for blind individuals.

2. Supplemental Security Income (SSI): This program is for individuals with limited income and resources, regardless of their work history. To qualify, you must have a mental health condition that meets the SSA's definition of disability, and your income and assets must be below certain limits. In 2023, the SSI income limit is $1,913 per month for individuals and $2,827 per month for couples. The SSI asset limit is $2,000 for individuals and $3,000 for couples.

How Much Disability Pay Can I Receive?

The amount of disability pay you receive depends on your work history, income, and assets. For SSDI, the benefit amount is based on your average earnings over a certain period of time. The maximum SSDI benefit in 2023 is $3,345 per month.

For SSI, the benefit amount is based on your income and assets. The maximum SSI benefit in 2023 is $914 per month for individuals and $1,378 per month for couples.

Applying for Disability Benefits

To apply for disability benefits, you must complete an application with the SSA. You can apply online, by phone, or in person at a local SSA office. The application process can be complex and time-consuming, so it's important to seek help from a disability advocate or attorney if you need assistance.

Additional Resources

• SSA Disability Benefits
• How to Apply for Social Security Disability Benefits
• National Disability Institute
• Disability Rights Education & Defense Fund