Panic Disorder Benefits in New Mexico

To qualify for federal disability benefits like SSI or SSDI, your Panic Disorder must be severe enough to prevent you from doing substantial work for at least 12 months. For SSDI, you need enough work credits from past employment. For SSI, your income and assets must be limited. The Social Security Administration (SSA) uses a medical guide called the Blue Book to decide if your condition meets the criteria. Panic Disorder is listed under mental health conditions, and you must show that it causes serious problems with daily life, social functioning, or concentration. If you meet these rules, you can get monthly payments and possibly Medicaid or Medicare.

• Must be unable to do substantial gainful activity (SGA) for at least 12 months.
• Must have a qualifying medical condition, such as Panic Disorder, that meets SSA criteria.
• For SSDI: Must have earned enough work credits (usually 40, half in the last 10 years).
• For SSI: Must have limited income and resources.
• Must provide medical evidence from doctors or therapists.

SSA Disability Qualifications (2025)

In New Mexico, people with Panic Disorder may also qualify for state programs like Medicaid waivers and food assistance. The Developmental Disabilities (DD) Waiver can help if your Panic Disorder is part of a broader disability, but it is mainly for intellectual and developmental disabilities. For mental health support, New Mexico Medicaid covers therapy and medication. You may also get help with food through SNAP if you have low income. State disability benefits for public employees are available if you are unable to work due to illness or injury, but these are not for everyone. Always check with the New Mexico Human Services Department or Health Care Authority for the latest rules and eligibility.

• Medicaid covers mental health services for eligible residents.
• SNAP provides food benefits for low-income individuals and families.
• State disability benefits are for public employees only.
• Contact local agencies for help with applications and support.

New Mexico Health Care Authority (2025) New Mexico Human Services Department (2025)

• Gather medical records and proof of income.
• Decide if you need SSI, SSDI, or state benefits.
• Apply online at SSA.gov or in person at a Social Security office.
• For Medicaid or SNAP, apply at MyBenefitsNM.com.
• Contact local agencies for help with applications.

• Step 1: Get medical documentation from your doctor or therapist showing your Panic Disorder diagnosis and how it affects your daily life.
• Step 2: Collect proof of income, assets, and work history.
• Step 3: Decide which benefits you need (SSI, SSDI, Medicaid, SNAP, etc.).
• Step 4: Apply for federal benefits online at SSA.gov or visit your local Social Security office. For SSI, you can also apply by phone or in person.
• Step 5: For state benefits like Medicaid or SNAP, apply at MyBenefitsNM.com or your local Human Services office.
• Step 6: If you are a public employee, contact your HR department about state disability benefits.
• Step 7: Follow up on your application and provide any extra information if requested.
• Step 8: If denied, you can appeal the decision.

SSA Apply for Benefits (2025) MyBenefitsNM Apply (2025)

• Social Security Disability Insurance (SSDI): Monthly payments for people who have worked and paid into Social Security.
• Supplemental Security Income (SSI): Monthly payments for people with low income and limited resources.
• Medicare: Health insurance for people who get SSDI after 24 months.
• Medicaid: Health insurance for people with low income, including those on SSI.
• SNAP: Food benefits for low-income individuals and families.

Each program has its own rules and application process. You can apply for multiple programs at once.

SSA Disability Programs (2025)

• Medicaid: Covers mental health services, therapy, and medication for eligible residents.
• SNAP: Provides food benefits for low-income individuals and families.
• Developmental Disabilities (DD) Waiver: Offers support services for people with intellectual and developmental disabilities, which may include some mental health conditions.
• State Disability Benefits: Financial assistance for public employees unable to work due to illness or injury.
• Local Support Services: Community mental health centers and nonprofit organizations offer counseling and support.

New Mexico Health Care Authority (2025) New Mexico Human Services Department (2025) Developmental Disabilities Waiver (2025)

ABLE accounts let people with disabilities save money without losing SSI or Medicaid benefits. In New Mexico, you can open an ABLE account if you became disabled before age 26. The account can be used for expenses like housing, education, and transportation. Contributions are limited each year, and there are tax benefits. Check with the New Mexico ABLE program for details.

New Mexico ABLE Program (2025)

• SSI: In 2025, the federal SSI limit is $943 per month for an individual and $1,415 for a couple. New Mexico may have a higher state supplement.
• SSDI: No strict income limit, but you cannot earn more than the Substantial Gainful Activity (SGA) limit, which is $1,620 per month for non-blind individuals in 2025.
• Medicaid: Income limits vary by program and family size. For most adults, it is up to 138% of the federal poverty level.
• SNAP: Income limits depend on household size and expenses.

SSA SSI Limits (2025) Medicaid Income Limits (2025)

If your income or living situation changes, you must report it to avoid overpayments. Overpayments can happen if you get more benefits than you are entitled to. Report changes to the Social Security Administration or your state agency as soon as possible. You may have to pay back overpayments, but there are ways to appeal or set up a repayment plan. Always keep records of your income and benefits.

SSA Reporting Changes (2025) New Mexico Reporting Changes (2025)

• Social Security Administration
  Phone: 1-800-772-1213

  TTY: 1-800-325-0778

  Hours: 8:00 AM - 7:00 PM

  Website

  For federal disability benefits
• New Mexico Human Services Department
  Phone: 1-800-283-4465

  Hours: 8:00 AM - 5:00 PM

  Website

  For Medicaid, SNAP, and other state benefits
• New Mexico Health Care Authority
  Phone: 1-800-283-4465

  Hours: 8:00 AM - 5:00 PM

  Website

  For Medicaid and health care programs

• Can I get disability benefits for Panic Disorder in New Mexico?

  Yes, if your Panic Disorder is severe enough to prevent you from working for at least 12 months, you may qualify for SSI or SSDI. You must provide medical evidence and meet income or work credit requirements.

• How do I apply for SSI or SSDI with Panic Disorder?

  You can apply online at SSA.gov, by phone, or in person at a Social Security office. You will need medical records and proof of income or work history.

• What medical evidence do I need for Panic Disorder?

  You need a diagnosis from a doctor or therapist, treatment records, and information about how your Panic Disorder affects your daily life and ability to work.

• Can I get Medicaid with Panic Disorder in New Mexico?

  Yes, if you have low income, you may qualify for Medicaid, which covers mental health services, therapy, and medication.

• What is the income limit for SSI in New Mexico?

  In 2025, the federal SSI limit is $943 per month for an individual. New Mexico may have a higher state supplement. Check with the Human Services Department for the latest rules.

• Can I work while getting disability benefits for Panic Disorder?

  You can work, but your earnings must be below the Substantial Gainful Activity (SGA) limit, which is $1,620 per month in 2025. There are work incentives to help you try working without losing benefits.