I have panic disorder. I have tried Buspar and Xanax, and Ativan. Also have been on beta blockers, but I am so sensitive to the medication and side effects. I am now on 6.25 mg of Zoloft per day. I started on 25mg but could not take the side effects. This small amount has stopped the spontaneous panic attacks and taken the edge off of the anxiety. I have been on it for a month now and I am also using a light box for 1 hour a day. I know that Zoloft has to build up in your body. Will this small dose eventually build up to a level that will stop the panic and anxiety? I know it will take longer probably to hit a good level because of the small dose.
On such a low dose, I suspect it very unlikely that you will have significant accumulation or side effects. If you are finding benefit from the dose, that is good but I would doubt whether there would be continuous, progressive improvement even at a slow rate.
That said, I do wonder whether the side effects you experience to medication may, at least be in part be due to the anxiety problem itself. You already have anxiety, and adding in a drug with the potential for side effects, only serves to feed the anxiety as you now worry about the development of side effects, or focus on symptoms that might otherwise go unnoticed.
It may be worth discussing with your doctor whether some non-drug, behavioural or mood therapy might be useful. As it's drug free, the anxiety of side effects wouldn't apply and you may find a variety of ways to manage or control your anxiety.
I hope this helps.