Maine residents with Bipolar Disorder can apply for federal disability benefits like SSI and SSDI, and access state programs for housing, employment, and independent living. There is no state-run disability income program, but Maine offers supportive services and advocacy for people with disabilities.
If Bipolar Disorder prevents you from working, you may qualify for federal disability benefits. The two main programs are:
Both programs require that your Bipolar Disorder is severe enough to stop you from doing substantial work for at least 12 months. The Social Security Administration (SSA) uses medical and work history to decide eligibility.
Maine does not have a state-run disability income program. Instead, people with Bipolar Disorder can access federal programs and state services for support. MainePERS offers a Disability Retirement Program for public employees who become unable to work due to a disability, but this is not available to everyone.
Other state programs include:
These programs do not replace federal disability income but can provide important support for daily living.
ABLE accounts let people with disabilities save money without losing SSI or Medicaid benefits. You can use the funds for disability-related expenses like housing, education, and transportation. Maine residents can open an ABLE account through the Maine ABLE program. Learn more about ABLE Accounts
SSI has strict income and asset limits. In 2025, the federal SSI limit is $943 per month for an individual. SSDI does not have income limits, but your benefit amount is based on your past earnings. Maine does not have a state disability income program, so federal limits apply.
If your income or living situation changes, you must report it to the Social Security Administration. Not reporting changes can lead to overpayments and penalties. Learn more about avoiding overpayments and reporting changes
Disability Rights Maine offers free advocacy and legal help for people with disabilities. Contact them for support with your application or appeals.
Yes, Bipolar Disorder can qualify for federal disability benefits in Maine if it severely limits your ability to work for at least 12 months. You must provide medical evidence and meet SSA criteria.
SSI is for people with limited income and assets, while SSDI is for those who have worked and paid Social Security taxes. Both provide monthly payments and health coverage.
No, Maine does not have a state disability income program. Most people apply for federal SSI or SSDI benefits.
You can apply for SSI or SSDI online at ssa.gov, at your local Social Security office, or by phone. Gather medical records and work history before applying.
Maine offers independent living services, advocacy, assistive technology, supportive housing, and vocational counseling for people with Bipolar Disorder.
Yes, work incentives allow you to try working without losing benefits. MaineHealth Vocational Services can help you understand how work affects your benefits.
This guide is for informational purposes only and is not legal or financial advice. Always consult with a qualified professional for personalized guidance.
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Section 811 PRA provides permanent supportive housing for extremely low-income people with disabilities. MaineHousing and the Department of Health and Human Services run the program.
Disability Rights Maine offers free advocacy and legal help. MaineHealth Vocational Services provides free counseling on work incentives and returning to work.
MainePERS Disability Retirement is for public employees who become unable to work due to a disability. It requires a medically diagnosable condition and functional limitations expected to be permanent.
Yes, Maine residents can open an ABLE account to save for disability-related expenses without losing SSI or Medicaid benefits.
