Open a Purple account in minutes. Banking built for people with disabilities.
Arkansas • Mental Health
If you have depression that prevents you from working, you may qualify for federal disability benefits in Arkansas. These include Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). Arkansas also offers Medicaid and work incentives for people with disabilities. This guide explains eligibility, how to apply, and what benefits are available.
To qualify for federal disability benefits in Arkansas, you must have a medical condition that prevents you from working for at least 12 months or is expected to result in death. The Social Security Administration (SSA) offers two main programs: Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). For SSDI, you must have a qualifying work history and have paid Social Security taxes. For SSI, you must have limited income and resources. Both programs require that your condition meets the SSA's definition of disability, which includes being unable to perform Substantial Gainful Activity (SGA). In 2025, earning more than $1,620 per month ($2,700 if blind) is considered SGA and may disqualify you from benefits[1].
Depression is listed in the SSA's Blue Book under mental disorders. To qualify, your depression must be severe enough to significantly limit your ability to work. You must provide medical evidence from a licensed professional that documents your diagnosis, symptoms, and how your depression affects your daily life and ability to work[2].
In Arkansas, individuals who qualify for SSI disability payments also qualify for Medicaid, which provides health coverage for people with disabilities[3]. Arkansas also offers the Workers with Disabilities Medicaid program, which provides full Medicaid coverage to individuals with disabilities who are employed[4]. This program helps people with depression who are working but still need health care support.
Arkansas does not have a separate state disability program, so most people apply for federal SSDI or SSI benefits. However, Arkansas may offer additional support through local agencies or nonprofit organizations. It is important to check with the Arkansas Department of Human Services for any state-specific programs or resources that may be available for people with depression[5].
ABLE accounts allow people with disabilities to save money without losing eligibility for SSI or Medicaid. In Arkansas, you can open an ABLE account to save for qualified disability expenses. These accounts are tax-advantaged and can help you manage your finances while maintaining your benefits[7].
In 2025, the maximum monthly SSI benefit is $967 for an individual and $1,450 for a couple. The maximum monthly SSDI benefit is $4,018. Earning more than $1,620 per month ($2,700 if blind) is considered Substantial Gainful Activity (SGA) and may disqualify you from benefits[1].
It is important to report any changes in your income or work status to the SSA to avoid overpayments. If you receive an overpayment, you may be required to repay the excess amount. You can learn more about avoiding overpayments and reporting changes in the SSA's guidelines[8].
Contact your local Social Security office or the Arkansas Department of Human Services for help with your application. They can provide guidance and answer your questions.
Yes, depression can qualify for disability benefits in Arkansas if it is severe enough to prevent you from working for at least 12 months. You must provide medical evidence from a licensed professional that documents your diagnosis and how your depression affects your ability to work[2].
SSDI is for people with a qualifying work history who have paid Social Security taxes. SSI is for people with limited income and resources. Both programs require that your depression prevents you from working[1].
In 2025, earning more than $1,620 per month ($2,700 if blind) is considered Substantial Gainful Activity (SGA) and may disqualify you from benefits. This limit applies to both SSDI and SSI[1].
You do not need to be unemployed, but your earnings must be below the SGA limit. If you are working and earning more than $1,620 per month ($2,700 if blind), you may not qualify for benefits[1].
You need medical records from a licensed professional that document your diagnosis, symptoms, and how your depression affects your daily life and ability to work. This evidence is required for both SSDI and SSI applications[2].
Disclaimer: This guide is for informational purposes only and is not legal advice. Always consult with a qualified professional for advice on your specific situation.
Yes, you can work, but your earnings must be below the SGA limit. There are also work incentives and programs like the Workers with Disabilities Medicaid program that can help you work while maintaining your benefits[4].
The SSA review process can take several months. If your application is denied, you have the right to appeal the decision. The appeals process can also take several months[6].
If your application is denied, you can appeal the decision. You can request a reconsideration, a hearing, or further review. It is important to act quickly, as there are time limits for filing an appeal[6].
Yes, individuals who qualify for SSI disability payments in Arkansas also qualify for Medicaid, which provides health coverage for people with disabilities[3].
Arkansas does not have a separate state disability program, but there may be additional support through local agencies or nonprofit organizations. Check with the Arkansas Department of Human Services for any state-specific programs or resources that may be available for people with depression[5].
