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New Jersey • Mental Health
People with Bipolar Disorder in New Jersey can access both federal and state disability benefits. These include Social Security programs, Temporary Disability Insurance (TDI), Family Leave Insurance (FLI), Medicaid waivers, and ABLE accounts. This guide explains eligibility, how to apply, and where to get help.
Federal disability programs like Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) are available to people with Bipolar Disorder who meet medical and financial criteria. SSDI is for those who have worked and paid Social Security taxes. SSI is for low-income individuals with limited resources. Both programs require proof of a disabling condition, such as Bipolar Disorder, that prevents substantial work activity for at least 12 months. The Social Security Administration uses a strict definition of disability and reviews medical records, work history, and financial information. Learn more about SSI vs SSDI.
In New Jersey, people with Bipolar Disorder may qualify for Temporary Disability Insurance (TDI) and Family Leave Insurance (FLI). TDI provides up to 26 weeks of benefits for non-work-related disabilities, including mental health conditions. To qualify, you must have worked at least 20 weeks earning $303 per week or $15,200 in the base year before your disability. FLI covers up to 12 weeks for family care or bonding. Both programs require medical certification. The 2025 maximum weekly benefit is $1,081. Workers contribute 0.23% of wages up to $165,400, with a maximum contribution of $380.42. Employers also contribute. Source: NJ.gov (accessed 2023-11-06).
Each program has specific forms and deadlines. Always keep copies of your application and supporting documents. Source: NJ.gov (accessed 2023-11-06).
Federal programs for people with Bipolar Disorder include Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). SSDI provides monthly payments to those who have worked and paid Social Security taxes. SSI offers support to low-income individuals with disabilities. Both programs require medical proof of disability and regular reporting of income and resources. You can apply online at SSA.gov or at your local Social Security office. Learn about SSI & SSDI Work Incentives.
New Jersey offers Temporary Disability Insurance (TDI) and Family Leave Insurance (FLI) for people with Bipolar Disorder. TDI covers up to 26 weeks of non-work-related disabilities, including mental health conditions. FLI covers up to 12 weeks for family care or bonding. Both programs require medical certification and proof of work history. The 2025 maximum weekly benefit is $1,081. Workers contribute 0.23% of wages up to $165,400, with a maximum contribution of $380.42. Employers also contribute. Source: NJ.gov (accessed 2023-11-06).
ABLE accounts let people with disabilities save money without losing eligibility for benefits like SSI and Medicaid. In New Jersey, you can open an ABLE account if your Bipolar Disorder was diagnosed before age 26. Funds can be used for qualified disability expenses, such as housing, education, and transportation. Learn more about ABLE Accounts.
Federal and state disability programs have income and resource limits. For SSI, the 2025 federal benefit rate is $943/month for individuals. New Jersey TDI and FLI benefits are based on your average weekly wage, up to $1,081 per week. Exceeding these limits can affect your eligibility. Always report changes in income to avoid overpayments. Learn about Avoiding Overpayments & Reporting Changes.
If you receive too much in benefits, you may have to repay the excess. Report changes in income, work status, or health to the agency that pays your benefits. This helps avoid overpayments and keeps your benefits active. Learn about Avoiding Overpayments & Reporting Changes.
Contact the NJ Division of Temporary Disability and Family Leave Insurance for help with TDI and FLI applications. For federal benefits, call the Social Security Administration at 1-800-772-1213.
Yes, people with Bipolar Disorder can qualify for federal and state disability benefits in New Jersey. You must meet medical and work requirements for each program. Medical documentation is required.
The maximum weekly benefit for Temporary Disability Insurance in New Jersey is $1,081 for 2025. This amount is based on your average weekly wage and is subject to state limits.
You can apply for TDI or FLI online through the NJ Division of Temporary Disability and Family Leave Insurance portal. You will need to provide personal, employment, and medical information.
Yes, you must report changes in income, work status, or health to the agency that pays your benefits. This helps avoid overpayments and keeps your benefits active.
An ABLE account lets people with disabilities save money without losing eligibility for benefits. In New Jersey, you can open an ABLE account if your Bipolar Disorder was diagnosed before age 26.
Yes, you can work while receiving disability benefits, but there are limits on how much you can earn. Exceeding these limits can affect your eligibility. [Learn about SSI & SSDI Work Incentives](/guides/work-incentives).
Disclaimer: This guide is for informational purposes only and does not constitute legal or financial advice. Always consult with a qualified professional for your specific situation.
You need a diagnosis and treatment plan from a licensed healthcare provider. The provider must certify your disability and its impact on your ability to work.
Processing times vary by program. TDI/FLI decisions may take a few weeks. Federal disability decisions can take several months. Follow up regularly on your application status.
Yes, you can appeal a denial of benefits. Each program has an appeals process. Follow the instructions in your denial notice to file an appeal.
Yes, New Jersey offers Medicaid waivers for people with disabilities, including Bipolar Disorder. These waivers provide extra support for long-term needs. [Learn about Medicaid Waivers (HCBS)](/guides/medicaid-waivers).
