If depression stops you from working, you may qualify for federal disability benefits like SSDI or SSI, or help from Nevada Medicaid programs. This guide explains eligibility, how to apply, and where to find local support for Nevadans with depression.
To qualify for federal disability benefits (SSDI or SSI) for depression, you must meet Social Security’s strict definition of disability. Your depression must be severe enough to prevent you from working at a ‘substantial’ level (called Substantial Gainful Activity, or SGA) for at least 12 months or be expected to result in death. For SSDI, you also need enough work credits (generally about 40, with 20 earned in the last 10 years). SSI is need-based—your income and assets must be very low (under $2,000 for a single person). Social Security uses a five-step process to decide if you are disabled, considering your medical evidence, ability to work, and whether you can adjust to other work. Depression must be documented by medical records and often must be treatment-resistant to qualify as a disability[1][4][6].
Nevada does not have a separate, state-run disability program, but you can still get help through federal SSDI and SSI. Nevada Medicaid also plays a key role: If you qualify for SSI due to depression, you will automatically get Nevada Medicaid. For those not on SSI, Medicaid eligibility is based on income and assets, with no disability requirement in some categories. Medicaid in Nevada can provide access to mental health services, therapy, and medication. In 2025, for example, the SGA income limit is $1,620 per month (non-blind); earning more than this could affect your SSDI or SSI benefits[3][8]. State-specific application is handled via Access Nevada, the state’s online portal for public assistance programs[7]. No special state presumptive disability rules apply to depression—only certain severe physical conditions qualify for expedited payments in Nevada[2].
Start by gathering your medical records and work history—detailed documentation is key. For SSDI or SSI, apply online with the Social Security Administration as soon as you become disabled. In Nevada, you can also apply for Medicaid (if eligible) through Access Nevada. If you need help, call Social Security at 1-800-772-1213 or visit your local Social Security office.
SSDI (Social Security Disability Insurance): If you have worked and paid into Social Security, and your depression is severe enough to prevent you from working for at least a year, you may qualify for monthly payments, Medicare after two years, and dependent benefits[1][5].
SSI (Supplemental Security Income): If your income and assets are low, and your depression is disabling, you may qualify for monthly payments and automatic Medicaid. SSI does not require a work history[1][5].
Concurrent Benefits: In some cases, you may be eligible for both SSDI and SSI, depending on your income and work history[5].
Nevada Medicaid: This program offers health coverage for low-income Nevadans, including mental health services and prescription drugs. If you qualify for SSI due to depression, you’ll automatically get Medicaid. Others may qualify based on income—apply at Access Nevada[7].
No State Disability Program: Nevada does not run a separate disability benefits program; all disability determinations come from the federal government. However, the state may offer additional supports through Medicaid waivers or other public assistance programs for those with mental health needs[1].
Nevada and other states offer ABLE accounts, which let people with disabilities (including mental health disabilities like depression) save money without affecting SSI or Medicaid eligibility, as long as balances stay under federal limits. These accounts can be used for disability-related expenses and are a good option for saving for the future.
For SSI in 2025, you generally must have less than $2,000 in assets ($3,000 for a couple) and very low income. For SSDI, there’s no asset limit, but you can’t earn over $1,620/month (non-blind; $2,700 if blind) without risking your benefits. Medicaid in Nevada also has income limits—check at Access Nevada for current figures[2][7][8].
Always report changes in your income, living situation, or medical condition to Social Security and Nevada Medicaid. If you receive too much in benefits, you may have to pay it back. Learn more about work incentives and how to avoid overpayments by visiting our guide on Avoiding Overpayments & Reporting Changes.
Nevada’s presumptive disability program allows immediate payments for specific severe physical conditions, but not for depression or most mental health disabilities. Depression claims go through the standard Social Security process, which takes longer. Focus on gathering complete medical records and treatment history to support your claim[2].
If you qualify for SSI due to depression, you’ll get automatic Nevada Medicaid coverage, which includes mental health services. If you don’t get SSI, you may still qualify for Medicaid based on income. Use the Access Nevada portal or contact the Division of Welfare and Supportive Services to see if you qualify[7][9].
Yes, if your depression is severe, well-documented, and prevents you from working for at least 12 months, you may qualify for SSDI or SSI. Nevada Medicaid may also be available if you meet income and asset guidelines[1][5][7].
No, you can apply on your own, but many people find it helpful to work with a lawyer if their case is denied and they need to appeal.
The process can take several months. Having complete medical records can help speed things up. Some applications are approved quickly if your condition meets a listing; others may need to go through appeals.
Many people are denied at first but approved on appeal. If you are denied, you have the right to request reconsideration and later a hearing before an administrative law judge.
You may be able to work part-time if you earn below the SGA limit (in 2025, $1,620/month for non-blind individuals). Earning more than this could stop your benefits[3][8].
No. You must have medical proof that your depression is severe, long-lasting, and prevents you from working. Treatment history and detailed records are important.
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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If you’re approved for SSI due to depression, you’ll automatically qualify for Nevada Medicaid. If you’re not on SSI, you may still qualify for Medicaid based on your income and assets[7].
ABLE accounts are savings accounts for people with disabilities. Money saved in an ABLE account does not count against SSI or Medicaid resource limits, up to certain amounts.
State-specific information is limited. Nevada Medicaid covers mental health services, but there are no separate state disability cash programs for depression. Start with SSI, SSDI, and Medicaid for support.
Call Social Security at 1-800-772-1213 or visit your local office. For Medicaid, use the Access Nevada portal or contact the Nevada Division of Welfare and Supportive Services[7].
