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New Mexico • Chronic Illness
People with cancer in New Mexico can access federal and state benefits, including SSDI, SSI, Medicaid, and food assistance. Eligibility depends on medical status, work history, and income. This guide explains how to apply and what programs are available.
To qualify for Social Security Disability Insurance (SSDI), you must have worked in jobs covered by Social Security and earned enough work credits. You must have a medical condition that prevents you from doing substantial work for at least 12 months or is expected to result in death. The Social Security Administration (SSA) uses a formula to convert your earnings into work credits. In 2025, you generally need 40 work credits, with half earned in the last 20 years. The SSA also checks if your condition meets their definition of disability and if you cannot perform any substantial gainful activity (SGA). For Supplemental Security Income (SSI), eligibility is based on low income and limited resources, regardless of work history. Both programs require medical proof of your cancer and its impact on your ability to work [6].
In New Mexico, people with cancer may qualify for Medicaid if they meet income and disability requirements. Medicaid covers medical care, including cancer treatment. The state also offers food assistance through SNAP, which helps low-income families, seniors, and people with disabilities buy food. If you lose SSI eligibility due to increased income, New Mexico may extend Medicaid coverage for up to two months. Children with cancer may qualify for Children’s Medical Services, which provides coordinated care and support. State disability plans are available for state and local employees who cannot work due to illness or injury, including cancer, if not covered by workers’ compensation [3][5].
ABLE accounts allow people with disabilities to save money without losing eligibility for means-tested benefits like SSI and Medicaid. You can use the funds for disability-related expenses, such as medical care, education, and housing. New Mexico residents can open an ABLE account through the state’s ABLE program.
For SSI in 2025, the federal income limit is $943 per month for an individual and $1,415 for a couple. Medicaid income limits vary by program and household size. The SGA limit for SSDI in 2025 is $1,620 per month for non-blind individuals and $2,700 for statutorily blind individuals. Earnings above these limits may affect your benefits.
If your income or medical condition changes, you must report it to the SSA and other benefit programs. Failing to report changes can result in overpayments and penalties. Use the SSA’s online portal or contact your local office to report changes. Keep records of all communications and updates.
Contact a local benefits counselor or attorney for help with your application. They can guide you through the process and help you avoid common mistakes.
Yes, if your cancer prevents you from working for at least 12 months or is expected to result in death, you may qualify for SSDI or SSI. You must meet the SSA’s medical and work requirements.
You can apply for Medicaid through the New Mexico Health Care Authority website or at a local office. You will need to provide proof of income, residency, and medical records.
The SGA limit for SSDI in 2025 is $1,620 per month for non-blind individuals and $2,700 for statutorily blind individuals. Earnings above these limits may affect your benefits.
Yes, New Mexico offers SNAP and state-funded food benefits for low-income individuals, families, seniors, and people with disabilities, including those with cancer.
Yes, children with cancer may qualify for Children’s Medical Services, which provides coordinated care, support, and access to community-based services.
An ABLE account allows people with disabilities to save money for disability-related expenses without losing eligibility for means-tested benefits like SSI and Medicaid.
Disclaimer: This guide is for informational purposes only and does not constitute legal or financial advice. Always consult with a qualified professional for personalized assistance.
Yes, you must report changes in your medical condition or income to the SSA and other benefit programs to avoid overpayments and penalties.
Yes, there are work incentives that allow you to work and earn some income without losing your benefits, as long as you do not exceed the SGA limit.
The processing time for disability benefits varies, but it can take several months. Providing complete and accurate information can help speed up the process.
If your application is denied, you can appeal the decision. It is recommended to seek help from a benefits counselor or attorney to improve your chances of success.
