If you have depression that prevents you from working, you may qualify for federal disability benefits like SSI or SSDI in Tennessee. State programs also offer extra help with housing, care, and daily needs. This guide explains eligibility, how to apply, and what support is available.
To get Social Security Disability Insurance (SSDI), you must have worked enough to earn work credits and have a medical condition that stops you from working for at least 12 months. For Supplemental Security Income (SSI), you need low income and few resources, and your condition must also stop you from working for 12+ months. Depression can qualify if it is severe enough to meet Social Security’s definition of disability. The Social Security Administration (SSA) looks at how your depression affects your ability to work, do daily tasks, and interact with others. You must provide medical records and other proof of your condition and its impact[1][2][9].
In Tennessee, people with depression may also qualify for state programs that help with care, housing, and family needs. The Family Support Program helps families with children or adults with severe disabilities, including mental health conditions, stay together at home. Services can include respite care, home modifications, and personal assistance. The Katie Beckett program helps children under 18 with complex medical needs, including severe depression, get medical care if their parents’ income is too high for regular TennCare. Tennessee also offers Medicaid waivers for home and community-based services, which can help adults with depression live independently[3][4][5].
ABLE accounts let people with disabilities save money without losing SSI or Medicaid benefits. You can use the money for housing, education, health care, and other needs. Tennessee residents can open an ABLE account through the state’s program[4].
For SSI in 2025, the federal income limit is $967 per month for an individual. SSDI payments depend on your work history, with a maximum of $4,018 per month. State programs like Family Support have their own income rules. Check with the program for details[2][3].
If you get too much money from SSI or SSDI, you may have to pay it back. Report any changes in income, living situation, or work to the SSA right away. Use the Avoiding Overpayments & Reporting Changes guide for help[4].
Contact your local Social Security office or a disability advocate for help with your application. You can also call 1-800-772-1213 for support.
Yes, if your depression is severe enough to stop you from working for at least 12 months, you may qualify for SSI or SSDI. You must provide medical proof and show how it affects your daily life[1][2][9].
Gather medical records and work history, decide if you need SSI or SSDI, and apply online, by phone, or in person at a local SSA office. List all symptoms and treatments[1][7].
Tennessee offers the Family Support Program, Katie Beckett program, and Medicaid waivers. These can help with care, housing, and medical needs for people with depression[3][4][5].
SSI pays up to $967 per month in 2025. SSDI pays based on your work history, up to $4,018 per month. State programs have their own limits[2][3].
Yes, but your earnings must be below the Substantial Gainful Activity (SGA) limit. In 2025, this is $1,550 per month for non-blind people. Work incentives let you test returning to work without losing benefits right away[1][2].
You can appeal the decision. Ask for a reconsideration, then a hearing if needed. Get help from a disability advocate or legal aid group if you need it[1][7].
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, report any changes in income, living situation, or work to the SSA right away. This helps avoid overpayments and keeps your benefits accurate[4].
Yes, children with severe depression may qualify for SSI or the Katie Beckett program. You must provide medical proof and show how it affects their daily life[2][4][6].
The Family Support Program helps families with children or adults with severe disabilities, including depression, stay together at home. Services include respite care, home modifications, and personal assistance[3][4].
Tennessee offers housing assistance through the Tennessee Housing Development Agency (THDA) and Medicaid waivers. These programs help low-income people with disabilities find safe, affordable housing[5].
