If you have depression in Minnesota, you may qualify for federal and state benefits like SSI, SSDI, Medicaid, and housing support. This guide explains eligibility, how to apply, and what help is available.
To get federal disability benefits for depression, you must meet Social Security’s definition of disability. This means your depression must be severe enough to keep you from working for at least 12 months. You must also meet income and asset rules for SSI, or have enough work credits for SSDI. Social Security reviews medical records, work history, and how your depression affects daily life. If approved, you may get monthly payments and health coverage through Medicaid or Medicare.
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In Minnesota, people with depression may qualify for state programs like Medical Assistance (Medicaid), Minnesota Supplemental Aid, and Housing Support. These programs help with health care, cash, and housing costs. Eligibility depends on income, assets, and disability status. Minnesota also offers ABLE accounts for people with disabilities that began before age 46. These accounts let you save money without losing benefits.
State law changes in 2025 affect health insurance for public safety workers with duty disabilities. Most will now get five years of coverage, not until age 65. Total and permanent duty disabilities still get coverage until age 65.
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ABLE accounts let people with disabilities save money without losing SSI or Medicaid. In Minnesota, you can open an ABLE account if your disability began before age 46. You can save up to $100,000 without losing SSI, and up to $16,000 per year. Funds can be used for housing, education, health care, and more. Learn more at Disability Hub MN.
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Federal and state programs have income and asset limits. For SSI in 2025, the limit is $943/month for an individual. For SSDI, there is no strict income limit, but you cannot earn more than $1,620/month (or $2,700 if blind) in 2025. State programs like Medical Assistance and Minnesota Supplemental Aid have their own limits. Check MNBenefits.org for current rules.
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You must report changes in income, assets, or health to avoid overpayments. If you get too much money, you may have to pay it back. Report changes to Social Security and state agencies as soon as possible. Disability Hub MN can help you understand reporting rules and avoid overpayments.
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Disability Hub MN offers free expert help with applications, planning, and appeals. Chat, call, or email them Monday to Friday.
Yes, if your depression is severe enough to keep you from working for at least 12 months. You must meet Social Security’s rules and provide medical proof. State programs also cover depression if you meet income and disability rules.
SSI is for people with low income and assets. SSDI is for those who have worked and paid Social Security taxes. Both require proof of disability. SSI has strict income limits, SSDI does not.
Apply for SSI or SSDI online at ssa.gov, by phone, or in person. Apply for state benefits like Medical Assistance and Minnesota Supplemental Aid at MNBenefits.org. Contact Disability Hub MN for help.
Minnesota offers Medical Assistance (Medicaid), Minnesota Supplemental Aid, Housing Support, and ABLE accounts. These programs help with health care, cash, housing, and savings for people with disabilities.
Yes, but there are limits. You cannot earn more than $1,620/month (or $2,700 if blind) in 2025 for SSDI. SSI has strict income limits. Work incentives can help you keep benefits while working.
An ABLE account lets you save money without losing SSI or Medicaid. You can save up to $100,000 without losing SSI, and up to $16,000 per year. Funds can be used for housing, education, health care, and more.
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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Report changes in income, assets, or health to Social Security and state agencies as soon as possible. Disability Hub MN can help you understand reporting rules and avoid overpayments.
You can appeal. Ask Disability Hub MN for help with appeals. They offer free expert help with applications and planning.
Yes, public safety workers with duty disabilities may get health insurance for five years (not until age 65) if the disability is not total and permanent. Total and permanent duty disabilities still get coverage until age 65.
Contact Disability Hub MN. They offer free expert help with applications, planning, and appeals. You can chat, call, or email them Monday to Friday.
