People with Obsessive-Compulsive Disorder (OCD) in New Mexico may qualify for federal disability benefits like SSI and SSDI, as well as state programs such as Medicaid and food assistance. Eligibility depends on medical severity, income, and work history. This guide explains how to apply and what support is available.
To qualify for federal disability benefits (SSI or SSDI) with OCD, your condition must be severe enough to stop you from doing substantial work for at least 12 months. The Social Security Administration (SSA) reviews medical records, work history, and how your symptoms affect daily life. For SSDI, you must have paid Social Security taxes and earned enough work credits. For SSI, your income and assets must be low. Both programs require proof that OCD prevents you from working full time.
In New Mexico, people with OCD may also qualify for state programs. Medicaid covers medical care for low-income individuals with disabilities, including mental health services. Children with OCD may qualify for Children’s Medical Services. The state also offers a self-insured disability plan for state employees, which provides income if you cannot work due to illness or injury. Food assistance (SNAP) is available for low-income families, seniors, and people with disabilities. State eligibility rules may change, so check with local agencies for updates.
ABLE accounts let people with disabilities 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. [^3]
If your income, work, or health changes, you must report it to avoid overpayments. Overpayments can lead to benefit reductions or repayment. Report changes to SSA for federal benefits and to MyBenefitsNM.com for state benefits. [^1][^3]
Disability attorneys and advocates in New Mexico can help you with your application and appeals. Local agencies also offer free help.
Yes, if your OCD is severe enough to stop you from working for at least 12 months. You may qualify for SSI, SSDI, Medicaid, or other programs. Medical proof is required.
You need medical records from your doctor or therapist showing your diagnosis, symptoms, treatments, and how OCD affects your daily life and ability to work.
SSI is for low-income people with disabilities, while SSDI is for those who worked and paid Social Security taxes. Both require proof that OCD prevents full-time work.
You can work, but your earnings must be below the SGA limit ($1,470/month in 2025). Work incentives help you keep benefits while trying to work.
Amounts depend on your work history (SSDI) or income (SSI). SSDI payments are higher if you worked more. SSI payments are based on need.
New Mexico offers Medicaid, Children’s Medical Services, and food assistance for people with OCD. State employees may qualify for a disability plan.
It can take 3–6 months or longer. The process includes medical review and may require appeals if denied.
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, disability attorneys, advocates, and local agencies can help you apply and appeal if needed.
You can appeal the decision. Ask for help from a disability attorney or advocate to improve your chances.
Yes, report any changes to avoid overpayments. Overpayments can lead to benefit reductions or repayment.
