If you have depression that limits your ability to work, you may qualify for federal and New Mexico disability benefits. This guide explains eligibility, how to apply, and what support is available in 2025.
To qualify for federal disability benefits (SSDI or SSI) for depression, you must meet Social Security Administration (SSA) rules. Your depression must be severe enough to stop you from working and must last (or be expected to last) at least 12 months. You must also meet medical criteria listed in the SSA’s Blue Book under Section 12.04 for Depressive Disorders. These include symptoms like persistent sadness, loss of interest, sleep issues, and trouble concentrating. You must have medical records from doctors, therapists, or hospitals to prove your condition. For SSDI, you need enough work credits. For SSI, your income and assets must be low. In 2025, the SGA limit is $1,470/month for non-blind individuals and $2,460/month for blind individuals. If you earn more than this, you may not qualify for SSDI or SSI[4][6][8].
In New Mexico, people with depression may also qualify for state programs. The Developmental Disabilities (DD) Waiver can help if your depression is part of a broader disability that limits daily living. You must apply through the Health Care Authority and meet their criteria. New Mexico also offers a state disability plan for state employees, but this is not for everyone. If you lose federal SNAP benefits, New Mexico may provide state-funded food help. Always check with the Health Care Authority or your local office for the latest state-specific rules and programs[2][3][5][7].
ABLE accounts let people with disabilities save money without losing SSI or Medicaid benefits. New Mexico residents can open an ABLE account through the state’s program. Funds can be used for housing, education, health care, and more. Learn more about ABLE accounts and how to apply[internal_link: ABLE Accounts].
For SSI in 2025, the federal income limit is $943/month for an individual and $1,415/month for a couple. SSDI has no income limit, but you cannot earn more than the SGA limit ($1,470/month for non-blind, $2,460/month for blind). State programs may have different rules. Always check with the agency for the latest limits[4][6][8].
If your income, work, or health changes, you must report it to SSA or the state agency. Not reporting changes can lead to overpayments and penalties. Learn how to report changes and avoid overpayments[internal_link: Avoiding Overpayments & Reporting Changes].
Contact a local disability attorney or advocate for help with your application. They can guide you through the process and help you appeal if needed.
Yes, if your depression is severe and long-term, and you have medical proof. You must meet SSA criteria and show that your depression stops you from working.
You need records from doctors, therapists, or hospitals that show your diagnosis, symptoms, treatment, and how depression affects your daily life.
SSDI payments depend on your work history. SSI payments are about $943/month for an individual in 2025. State programs may offer extra help.
You can work, but your earnings must be below the SGA limit ($1,470/month for non-blind in 2025). Some work incentives let you try working without losing benefits.
The DD Waiver helps people with intellectual and developmental disabilities. If your depression is part of a broader disability, you may qualify for home and community-based services.
Gather medical records, check eligibility, apply online or in person with SSA, and apply for state programs if needed. Follow up and report changes.
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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You can appeal within 60 days. Ask for a review and provide more medical proof. You may need help from a lawyer or advocate.
Yes, if you qualify for SNAP or are elderly or disabled, you may get food help. New Mexico may provide state-funded food benefits if federal SNAP is cut.
Yes, if you have low income or get SSI. Medicaid covers health care, therapy, and other services for people with depression.
An ABLE account lets people with disabilities save money for housing, education, health care, and more without losing SSI or Medicaid benefits.
