If you have Bipolar Disorder in New Mexico, you may qualify for federal disability benefits like SSI and SSDI, as well as state programs such as Medicaid and food assistance. This guide explains eligibility, how to apply, and what support is available.
To qualify for federal disability benefits with Bipolar Disorder, you must meet Social Security Administration (SSA) criteria. For SSDI, you need enough work credits and a medical condition that prevents you from working for at least a year or is expected to result in death. For SSI, you must have limited income and resources, and your condition must meet SSA’s definition of disability. Bipolar Disorder is listed in the SSA’s Blue Book under mental disorders, but you must show it severely limits your ability to work or function daily. The SSA reviews medical records, work history, and how your symptoms affect daily life[1][7].
In New Mexico, people with Bipolar Disorder may also qualify for state-specific programs. Medicaid is available for those with low income and qualifying disabilities, including Bipolar Disorder. If you lose SSI eligibility due to increased income, New Mexico may extend Medicaid for up to two months to help you transition. The state also offers food assistance through SNAP, and if federal SNAP is disrupted, state funds may temporarily fill the gap. Children with Bipolar Disorder may qualify for Children’s Medical Services, which provides coordinated care and support. State disability insurance is available for state employees but is not for dependents and requires 12 months of premium payments before benefits start[3][5][2].
ABLE accounts allow people with disabilities to save money without losing SSI or Medicaid benefits. In New Mexico, you can open an ABLE account to save for disability-related expenses. Contributions do not count as income for SSI or Medicaid, but there are annual and lifetime limits. ABLE accounts can help with education, housing, transportation, and other needs[3].
If your income or health changes, you must report it to Social Security and other benefit programs to avoid overpayments. Overpayments can result in repayment demands or loss of benefits. Always report changes in work, income, or medical status promptly. Keep records of all reports and communications[8].
Contact a disability attorney or advocate for help with your application. They can guide you through the process and help if you are denied.
Yes, Bipolar Disorder can qualify for SSI and SSDI if it meets SSA criteria and severely limits your ability to work or function daily. You must provide medical evidence and meet income or work credit requirements[7].
In 2025, the federal SSI income limit is $914 per month for an individual. New Mexico may have additional state supplements for elderly or disabled households[4][7].
You can apply for Medicaid through NMHIX or the Health Care Authority. You will need to provide proof of income, disability, and other personal information[3].
If you lose SSI eligibility due to increased income, New Mexico may extend Medicaid for up to two months to help you transition to other coverage[3].
Yes, but you cannot earn more than the SGA limit. In 2025, SGA is $1,470 per month for non-blind individuals. Exceeding this limit may result in loss of benefits[4][7].
In 2025, the SGA limit is $1,470 per month for non-blind individuals and $2,460 for blind individuals. Earning above this limit may affect your disability benefits[4][7].
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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Yes, New Mexico offers Medicaid, SNAP, and Children’s Medical Services for those with Bipolar Disorder. State disability insurance is available for state employees[3][5][2].
You must report changes in income or health to Social Security and other benefit programs to avoid overpayments. Always keep records of all reports and communications[8].
An ABLE account allows people with disabilities to save money without losing SSI or Medicaid benefits. Contributions do not count as income, but there are annual and lifetime limits[3].
Yes, children under 21 with Bipolar Disorder may qualify for Children’s Medical Services, Medicaid, and SNAP. These programs provide coordinated care and support[3].
