Open a Purple account in minutes. Banking built for people with disabilities.
Maine • Mental Health
Maine does not have a state disability program, but people with schizophrenia can get federal benefits like SSI and SSDI. Maine also offers support services for independent living, advocacy, and assistive technology. This guide explains eligibility, how to apply, and what help is available.
To qualify for federal disability benefits with schizophrenia, you must meet Social Security’s definition of disability. This means your condition must be severe enough to stop you from working and is expected to last at least 12 months or result in death. You must also meet work and income requirements.
Schizophrenia is listed in Social Security’s Blue Book under mental disorders. You must show medical evidence and functional limitations.
Maine does not have its own state disability program. Instead, people with schizophrenia must apply for federal SSI or SSDI through the Social Security Administration. Maine does offer support services for people with disabilities, including independent living programs, advocacy, and assistive technology. These services help people live more independently and access community resources.
State programs do not provide monthly cash benefits but can help with daily living, technology, and legal rights.
Step 1: Review eligibility
Step 2: Gather documents
Step 3: Apply
Step 4: Wait for decision
Step 5: Get help
Step 6: Report changes
Source: SSA.gov, 2025-11-05 Source: Maine.gov, 2025-11-05 Source: MaineHealth, 2025-11-05
Maine does not offer a state disability cash benefit program. Instead, the state provides support services for people with disabilities, including those with schizophrenia:
These programs do not provide monthly cash benefits but can help with daily living, technology, and legal rights.
ABLE accounts let people with disabilities save money without losing SSI or Medicaid benefits. You can use the funds for housing, education, transportation, and other disability-related expenses. To open an account, you must have a qualifying disability that began before age 26. Maine residents can open an ABLE account through the national ABLE United program.
Source: ABLE United, 2025-11-05
For SSI, the income limit in 2025 is $943 per month for an individual and $1,415 for a couple. Not all income counts. For SSDI, there is no income limit, but you cannot do substantial work. The substantial gainful activity (SGA) limit in 2025 is $1,620 per month ($2,700 if blind). If you earn more than this, you may lose benefits.
You must report changes in income, work, or health to the Social Security Administration. If you do not report changes, you may get an overpayment and have to pay it back. Report changes online, by phone, or in person. If you get an overpayment notice, you can request a waiver or set up a payment plan.
Contact MaineHealth Vocational Services for free benefits counseling. They can help you understand how work affects your benefits and guide you through the application process.
Disability Rights Maine offers free advocacy and legal help for people with disabilities. Contact them if you have questions or need support.
Yes, you can get federal disability benefits for schizophrenia in Maine through SSI or SSDI. Maine does not have its own state disability program. You must meet Social Security’s definition of disability and work or income requirements.
You can apply online at SSA.gov, by phone, or in person at a Social Security office. You will need medical records and work history. Most applications are denied at first, so be ready to appeal.
Maine offers independent living services, advocacy, and assistive technology. These programs help with daily living, legal rights, and access to technology. They do not provide monthly cash benefits.
Yes, you can work while getting disability benefits. Social Security has work incentives that let you keep benefits while you try to work. MaineHealth Vocational Services can help you understand how work affects your benefits.
SSI is for people with limited income and assets. SSDI is for people who worked and paid Social Security taxes. Both programs cover schizophrenia if you meet the medical and financial requirements.
The amount depends on your work history and income. SSDI payments are based on your earnings. SSI payments are up to $943 per month in 2025. You may also get Medicaid or Medicare for health care.
Disclaimer: This guide is for informational purposes only and does not constitute legal or financial advice. Always consult with a qualified professional for advice about your specific situation.
An ABLE account lets you save money without losing SSI or Medicaid benefits. You can open an account if your disability began before age 26. Maine residents can use the national ABLE United program.
Yes, you must report changes in income, work, or health to Social Security. If you do not report changes, you may get an overpayment and have to pay it back.
If your application is denied, you can appeal within 60 days. Most people are denied at first. Appeals may include reconsideration, a hearing, and review by the Appeals Council.
Yes, children with schizophrenia may get SSI if their family has limited income and assets. Adults whose schizophrenia began before age 22 may get benefits on a parent’s Social Security record.
