- Author: Richard Stim
- Dec 31, 2025
Yes, Post-Traumatic Stress Disorder can qualify for disability benefits by the Social Security Administration (SSA) and when the symptoms prevent you from doing the job. The process of applying for and receiving disability benefits for PTSD can be complex.
Disability benefits for Post-Traumatic Stress Disorder can provide financial support to individuals who are unable to work or have significant impairments due to the condition for at least 12 months or more.
The Social Security Administration (SSA)’s Blue Book classifies PTSD as related to stress or trauma. They will also analyze for symptoms such as mood change, behavior change, and involuntary flashbacks for a particular event.
What Is Post-Traumatic Stress Disorder?
PTSD stands for Post-Traumatic Stress Disorder. It is a mental health condition that an individual may experience after witnessing a traumatic event. Traumatic events can include but are not limited to military combat, sexual assault, natural disasters, and accidents.
What Are the Symptoms of PTSD?
Common symptoms of post-traumatic stress disorder (PTSD) include:
- Intrusive memories or flashbacks of the traumatic event
- Nightmares or sleep disturbances
- Avoidance of reminders, places, or people linked to the trauma
- Persistent anxiety, fear, or hypervigilance
- Emotional numbness or detachment from others
- Irritability, anger, or mood swings
- Difficulty concentrating or remembering
- Physical symptoms such as headaches, fatigue, or rapid heartbeat
What Are the Types of PTSD?
Post-traumatic stress disorder (PTSD) can present in different forms depending on symptoms, timing, and triggers. Common types include:
- Acute PTSD – Symptoms last less than three months after a traumatic event
- Chronic PTSD – Symptoms persist for three months or longer
- Complex PTSD (C-PTSD) – Results from prolonged or repeated trauma, often involving abuse or captivity
- Delayed-Onset PTSD – Symptoms appear months or years after the traumatic event
- PTSD with Dissociative Symptoms – Includes depersonalization or derealization alongside core PTSD symptoms
Is PTSD a Disability?
Yes, Post-Traumatic Stress Disorder can be considered a disability under the SSA’s criteria mentioned in listing 12.15 or 112.15. It can cause significant distress and impact a person’s daily functioning, including their ability to work and engage in social activities.
To determine eligibility for PTSD benefits, an applicant can apply for SSDI or SSI benefits. To establish disability due to PTSD, it is typically necessary to provide medical evidence and documentation demonstrating the condition’s severity and impact on your ability to work and carry out daily activities.
PTSD is also a qualifying disability under the permanent VA Disability. PTSD is a severe disability that impacts mental abilities, according to the Department of Veterans Affairs (VA). Veterans with such disorders may be eligible to pursue disability benefits.
Common Co-Occurring Disabilities Related to PTSD
Many individuals diagnosed with PTSD, sleep apnea, alopecia, or Postural Orthostatic Tachycardia Syndrome (POTS), Anxiety Disorders, and Depression experience additional qualifying mental and physical health conditions that can significantly impact daily functioning and quality of life. These co-occurring disabilities are often considered during disability benefit evaluations and medical assessments.
Which Disability Benefits Should You Apply For With PTSD?
There are two types of disability benefits for which you can apply.
- Social Security Disability Insurance (SSDI) - SSDI is beneficial for applicants who have paid taxes and have worked for at least 5 of the 10 previous years.
- Supplemental Security Income (SSI) - SSI is good for applicants who have less or no income or assets and have less work history.
SSA’s Eligibility Criteria For PTSD
To qualify for PTSD disability benefits, you need to prove that your medical condition is ongoing, debilitating, and making it impossible for you to engage in day-to-day activities or hold a job.
You must consider meeting the eligibility criteria for PTSD before applying for disability benefits. An applicant needs to meet the criteria listed under Section A and the conditions mentioned in Section B or C.
Section A
An applicant must have medical documentation of the following:
- You are threatened with death or violence
- You are reexperiencing an event through flashbacks, dreams, and other memories
- You do not want to remember the event
- Experiencing mood changes or behavior modifications
- You are facing difficulty sleeping
Section B
An applicant is experiencing limitations in one of the following areas:
- Understanding or remembering information
- Social interaction
- The problem with concentration in any work-related activities
- Issues in adapting to emotions or behavior
Section C
Your PTSD has lasted for approximately 2 years, and you must have the following evidence:
- Documents of medical treatment, support, or any therapies
- Difficulty in adapting to any change
What If My PTSD Meets The Criteria?
The next step is to apply for PTSD disability benefits, which typically involve various steps discussed below.
- Gather necessary documentation: Collect all relevant medical records, including diagnosis of PTSD, treatment history, and any supporting documentation from healthcare professionals.
- Review eligibility criteria: Understand the specific requirements related to PTSD and the level of impairment needed to qualify.
- Complete the application: Fill out the disability benefits application form, providing accurate and detailed information about your condition, medical history, and functional limitations caused by PTSD.
- Include supporting evidence: Attach all relevant medical documentation, including diagnostic reports, treatment records, therapy notes, and any statements from mental health professionals. These documents should demonstrate the severity of your symptoms and their impact on your daily functioning.
- Send the application to SSA: Send your completed application and supporting documents to the SSA, following their instructions regarding submission methods and deadlines.
- Follow up and provide additional information if requested: It is possible that the disability benefits agency may request additional information or schedule a medical evaluation. Cooperate fully and provide any requested documentation promptly.
What If My PTSD Doesn’t Meet The Criteria?
If your PTSD does not meet the specific criteria outlined by the Social Security Administration (SSA) for disability benefits, it may be more challenging to qualify for benefits based solely on your PTSD diagnosis.
Even if you do not meet the specific criteria for Post-Traumatic Stress Disorder (PTSD) outlined by the Social Security Administration (SSA), an experienced disability attorney will highlight the limitations and challenges you face due to your impairments, focusing on how these impairments collectively prevent you from engaging in substantial gainful activity.
How Much Is The Disability Check For PTSD?
The amount of disability benefits for Post-Traumatic Stress Disorder (PTSD) varies based on several factors, including the individual’s work history and earnings. The exact amount of the disability check can vary from person to person.
However, the average amount for applicants struggling with PTSD is $1,170. The maximum disability benefit is $4,018 for SSDI and $943 for SSI in 2025.
PTSD Disability Claim Denied? Contact a Disability Lawyer
If your disability claim for PTSD is denied, an experienced Social Security disability lawyer can provide valuable assistance. They can guide you through the appeal process, which involves filing a request for reconsideration or requesting a hearing before an administrative law judge.
A disability lawyer will help you understand the necessary steps, compile additional evidence, and prepare a strong case for reconsideration.
FAQs About PTSD Disability
Is PTSD considered a disability?
Yes, PTSD (Post-Traumatic Stress Disorder) is considered a disability when it significantly limits a person’s ability to work or perform daily activities.
Can you get disability benefits for PTSD?
Yes, individuals with PTSD may qualify for disability benefits if they meet medical and functional eligibility requirements.
Is PTSD a mental disability?
Yes, PTSD is classified as a mental health disability and is recognized under disability laws and benefit programs.
How severe does PTSD have to be to qualify as a disability?
PTSD must be severe enough to interfere with work, social functioning, or daily living activities to qualify as a disability.
Can PTSD qualify for Social Security disability?
Yes, PTSD can qualify for Social Security disability benefits if proper medical evidence shows long-term impairment.
Is PTSD a permanent disability?
PTSD can be permanent for some individuals, but in many cases, it may improve with treatment. Disability status depends on severity and duration.
What proof is needed to claim PTSD as a disability?
Medical records, mental health evaluations, treatment history, and professional diagnoses are typically required.
Can PTSD affect your ability to work?
Yes, PTSD can impact concentration, memory, emotional regulation, and workplace interactions, affecting job performance.