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Minnesota • Mental Health
If you have Bipolar Disorder in Minnesota, you may qualify for federal and state disability benefits. These include SSI, SSDI, Medicaid, and work support programs. This guide explains eligibility, how to apply, and what to expect.
To qualify for federal disability benefits with Bipolar Disorder, your condition must be severe enough to stop you from working for at least 12 months. The Social Security Administration (SSA) looks at your medical records, work history, and how your symptoms affect daily life. You must meet the criteria in SSA’s Listing 12.04 for Bipolar Disorder, which includes symptoms like mania, depression, and problems with thinking or social functioning. You also need to have enough work credits for SSDI, or low income and resources for SSI. Children with Bipolar Disorder may qualify for benefits if their condition started before age 18 and meets SSA’s rules[4].
In Minnesota, people with Bipolar Disorder can get state benefits like Medical Assistance (Medicaid), Supplemental Aid, and Housing Support. To qualify, you must meet income and asset limits, which are updated yearly. The state also offers vocational rehabilitation and employment services for people with disabilities. If you are a public safety employee (like a police officer or firefighter) and become disabled due to your job, you may get special benefits, but most changes in 2025 only affect those with duty-related disabilities, not general mental health conditions[1][2][3].
ABLE accounts let people with disabilities save money without losing SSI or Medicaid benefits. In Minnesota, you can open an ABLE account if your disability started before age 46. You can save up to $18,000 per year, and the money can be used for qualified expenses like housing, education, and health care. Minnesota offers the Achieving a Better Life Experience (ABLE) program[2].
Income limits for Minnesota benefits change each year. For 2025, the limits for Medical Assistance, Supplemental Aid, and Housing Support include the Social Security Cost of Living Adjustment (COLA). You can check the current limits on DB101 Minnesota or MNBenefits.org. If your income goes up, you may lose some benefits, so report changes right away[2][5][6].
If you get more benefits than you should, you may have to pay back the extra money. Report changes in your income, resources, or health to the Social Security Administration and Minnesota agencies right away. You can avoid overpayments by keeping your records up to date and following the rules[5][6].
Contact Disability Hub MN for free, expert help with benefits planning and applications. They can answer your questions and guide you through the process.
Yes, if your Bipolar Disorder is severe enough to stop you from working for at least 12 months, you may qualify for SSI or SSDI. You must meet Social Security’s criteria and provide medical proof.
You need records from a doctor or mental health provider showing your diagnosis, treatment, and how Bipolar Disorder affects your daily life and ability to work.
You can apply online at SSA.gov, by phone, or in person for federal benefits. For state benefits, use MNBenefits.org or contact Disability Hub MN for help.
Minnesota offers Medical Assistance, Supplemental Aid, Housing Support, vocational rehabilitation, and ABLE accounts for people with disabilities, including Bipolar Disorder.
Yes, there are work incentives that let you try working without losing all your benefits. Social Security and Minnesota have programs to help you keep health coverage and cash benefits while you work.
An ABLE account lets you save money for disability-related expenses without losing SSI or Medicaid benefits. You can save up to $18,000 per year in Minnesota.
Disclaimer: This guide is for informational purposes only. Always check with official agencies for the most current rules and eligibility.
If your income goes up, you may lose some benefits. Report changes to Social Security and Minnesota agencies right away to avoid overpayments.
Yes, children with Bipolar Disorder may qualify for SSI if their condition started before age 18 and meets Social Security’s rules. They may also get Medicaid and other state benefits.
It can take several months to get a decision on your disability claim. If your case is urgent, you may qualify for an expedited review through the State Medical Review Team.
You can get free help from Disability Hub MN, which offers support with benefits planning, applications, and appeals.
