If you have Panic Disorder in New Mexico, you may qualify for federal disability benefits like SSI or SSDI, state Medicaid waivers, and other support programs. This guide explains eligibility, how to apply, and where to get help.
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.
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.
New Mexico Health Care Authority (2025) New Mexico Human Services Department (2025)
SSA Apply for Benefits (2025) MyBenefitsNM Apply (2025)
Each program has its own rules and application process. You can apply for multiple programs at once.
SSA Disability Programs (2025)
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)
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)
Contact your local Social Security office or the New Mexico Human Services Department for help with applications and support.
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.
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.
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.
Yes, if you have low income, you may qualify for Medicaid, which covers mental health services, therapy, and medication.
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.
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.
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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An ABLE account lets people with disabilities save money without losing SSI or Medicaid benefits. You can open one in New Mexico if you became disabled before age 26.
Report changes in income, living situation, or medical status to the Social Security Administration or your state agency as soon as possible to avoid overpayments.
New Mexico offers Medicaid, SNAP, mental health services, and local support groups. Contact the Health Care Authority or Human Services Department for help.
Yes, you can appeal a denial. The Social Security Administration has a process for appeals, including reconsideration, a hearing, and review by an appeals council.
