If you have a spinal cord injury in New Mexico, you may qualify for federal disability benefits like SSDI or SSI, state Medicaid waivers, and other support programs. This guide explains eligibility, how to apply, and what resources are available.
To qualify for federal disability benefits in New Mexico, you must have a medical condition that prevents you from working for at least 12 months or is expected to result in death. For SSDI, you need enough work credits from jobs where you paid Social Security taxes. For SSI, your income and resources must be limited. Both programs require that you cannot do substantial gainful activity (SGA), which in 2025 is $1,620 per month for non-blind individuals and $2,700 for statutorily blind individuals[8].
If you have a spinal cord injury, your eligibility will depend on how your condition affects your ability to work and your financial situation. The Social Security Administration (SSA) reviews medical records and work history to decide if you qualify[7].
In New Mexico, people with spinal cord injuries may also qualify for state-specific programs. The Developmental Disabilities (DD) Waiver can provide home and community-based services for those with intellectual or developmental disabilities, but some supports may be available for those with physical disabilities depending on eligibility[3].
New Mexico also offers state-funded food benefits if federal SNAP is suspended, which can help with groceries if you have a disability and low income[2]. The state’s Health Care Authority manages Medicaid waivers and other safety-net programs for people with disabilities. If you need help with daily living or want to avoid institutional care, these waivers may be an option[3].
New Mexico offers ABLE accounts, which let people with disabilities save money without losing eligibility for SSI or Medicaid. You can use these accounts for qualified disability expenses like housing, education, and transportation[3].
For SSI in 2025, the federal income limit is $943 per month for an individual and $1,415 for a couple. SSDI has no income limit, but you cannot earn more than the SGA limit ($1,620/month for non-blind individuals in 2025)[8].
You must report changes in income, resources, or living situation to avoid overpayments. If you get too much money, you may have to pay it back. Always report changes to the SSA or state agency as soon as possible[8].
Contact a local disability attorney or advocate for help with your application. Some organizations offer free help with SSDI, SSI, and Medicaid waivers[6].
Always report changes in income, resources, or living situation to avoid overpayments. Respond quickly to requests from the SSA or state agency[8].
Yes, if your spinal cord injury prevents you from working for at least 12 months and you have enough work credits, you may qualify for SSDI. The SSA reviews your medical records and work history to decide[7].
In 2025, the SGA limit is $1,620 per month for non-blind individuals and $2,700 for statutorily blind individuals. Earning more than this may affect your SSDI benefits[8].
Contact the New Mexico Health Care Authority to apply for Medicaid waivers. You may need to be on a waiting list and meet specific eligibility criteria[3].
Yes, if you have low income, you may qualify for SNAP or state-funded food benefits. Apply at YES.NM.GOV or call 1-800-283-4465[2].
An ABLE account lets people with disabilities save money without losing SSI or Medicaid. New Mexico offers ABLE accounts for qualified disability expenses[3].
Yes, you must report changes in income, resources, or living situation to avoid overpayments. Always report changes to the SSA or state agency as soon as possible[8].
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, but there are limits. SSDI and SSI have work incentives and trial work periods. Earning more than the SGA limit may affect your benefits[8].
You need detailed medical records that show your diagnosis, treatment, and how your spinal cord injury affects your ability to work. The SSA may ask for more information[7].
It can take several months to get a decision. The SSA may ask for more information or schedule a medical exam. Respond to requests quickly to avoid delays[7].
Yes, you can get help from a disability attorney or advocate. Some organizations offer free help with applications and appeals[1].
