If you are hard of hearing in New Mexico, you may qualify for federal disability benefits like SSI and SSDI, as well as state programs such as Medicaid waivers and food assistance. This guide explains eligibility, how to apply, and where to get help.
To qualify for federal disability benefits in New Mexico, you must meet Social Security Administration (SSA) rules. For SSDI, you need enough work credits and a medical condition that prevents you from doing substantial work for at least a year. For SSI, you must have limited income and resources and meet medical criteria. Both programs require that your hearing loss is severe enough to limit your ability to work or live independently. The SSA uses a list of impairments to decide if your hearing loss qualifies. If not, they will review your medical records and work history. In 2025, the Substantial Gainful Activity (SGA) limit is $1,620 per month for non-blind individuals and $2,700 for statutorily blind individuals. If you earn more than this, you may not qualify for benefits. [^1][^2][^3][^4]
New Mexico offers several programs for people with disabilities, including those who are hard of hearing. The Developmental Disabilities (DD) Waiver program provides supports for people with intellectual and developmental disabilities, which may include some hearing conditions. To qualify, you must be assessed and placed on a waiting list. The state also provides food benefits through the Health Care Authority if federal SNAP is unavailable. State disability insurance is available for state employees who lose income due to illness or injury, but it is not available to dependents. Participation is voluntary and requires 12 months of premium payments before a claim can be made. [^5][^6][^7]
ABLE accounts allow people with disabilities to save money without losing SSI or Medicaid benefits. You can use the funds for disability-related expenses like hearing aids, education, and housing. New Mexico residents can open an ABLE account through the state program. [^8]
For SSI in 2025, the federal income limit is $943 per month for an individual and $1,415 for a couple. The SGA limit for SSDI is $1,620 per month for non-blind individuals and $2,700 for statutorily blind individuals. [^2][^3]
If your income or health changes, you must report it to the SSA to avoid overpayments. Overpayments can result in benefit reductions or repayment. Always keep records of your earnings and medical status. [^4]
Contact the New Mexico Health Care Authority or your local county office for help with Medicaid waivers and food benefits. For SSI/SSDI, visit SSA.gov or call 1-800-772-1213.
Yes, if your hearing loss is severe enough to prevent you from working or living independently, you may qualify for SSI or SSDI. You must meet SSA medical and financial criteria. [^1]
The SGA limit for non-blind individuals is $1,620 per month in 2025. For statutorily blind individuals, it is $2,700 per month. [^2][^3]
Visit the New Mexico Health Care Authority website and complete the pre-service intake form. You may be placed on a waiting list. [^5]
The federal income limit for SSI in 2025 is $943 per month for an individual and $1,415 for a couple. [^2]
Yes, but your earnings must be below the SGA limit. Work incentives can help you keep benefits while you try to work. [^4]
An ABLE account lets people with disabilities save money without losing SSI or Medicaid benefits. Funds can be used for disability-related expenses. [^8]
Report changes in income or health to the SSA to avoid overpayments. Keep records of all communications. [^4]
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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New Mexico may provide state-funded food benefits through the Health Care Authority. Check your EBT card for deposits. [^6]
No, state disability insurance is only available to state employees who lose income due to illness or injury. [^7]
The process can take several months. It is important to apply as soon as possible and provide all required documents. [^1]
