Texas residents with depression may qualify for federal disability benefits like SSI and SSDI, as well as state Medicaid programs. This guide explains each program’s eligibility rules, application steps, income limits, and resource-saving options like ABLE accounts—helping you navigate the system with confidence.
To qualify for SSDI or SSI with depression, you must meet the Social Security Administration’s strict definition of disability: your condition must be medically documented, last (or be expected to last) at least 12 months or result in death, and severely limit your ability to work at the Substantial Gainful Activity (SGA) level[1][5][6]. For SSDI, you also need enough work credits from jobs covered by Social Security[5][6]. For SSI, there are strict income and resource limits ($2,000 for individuals, $3,000 for couples in 2025), and you do not need a work history[2]. Depression must cause marked and severe functional limitations to qualify—especially for children or adults with early-onset disability[4][6]. The SSA uses a 5-step evaluation process to determine if your depression meets these standards[1].
Texas follows all federal rules for SSI and SSDI, but the state also offers Medicaid and Home and Community-Based Services (HCBS) waivers for mental health, including depression. Texas Medicaid has its own application process and asset limits, and some programs (like Community First Choice) have no asset limit for certain services. For SSI recipients, Texas automatically confers Medicaid eligibility. The Texas Health and Human Services Commission (HHSC) manages Medicaid eligibility and can help you apply. State-funded mental health services may also be available through local mental health authorities. Always check with HHSC for the latest state-specific Medicaid rules.
Start your application online at the Social Security Administration’s website for SSI or SSDI. Gather medical records, work history, and financial information. If you’re applying for Medicaid, use the YourTexasBenefits portal. For mental health crisis services, contact your local mental health authority. Keep track of all application confirmations and deadlines.
Apply for SSI/SSDI:
Apply for Texas Medicaid:
Access Local Mental Health Services:
Social Security Disability Insurance (SSDI) provides monthly payments to disabled workers with sufficient work credits. The 2025 maximum benefit is $4,018/month, depending on your earnings record[7]. Supplemental Security Income (SSI) is a needs-based program for people with limited income and resources; the 2025 federal benefit rate is $967/month for individuals, $1,450/month for couples[2]. Medicare is available after 24 months of SSDI eligibility. Disabled Adult Child (DAC) benefits may help adults disabled before age 22 if a parent is retired, disabled, or deceased[6].
SSI and SSDI Work Incentives can help you transition back to work without losing benefits all at once[2].
Texas Medicaid covers mental health services, including therapy and medication for depression. SSI recipients are automatically eligible for Texas Medicaid. Medicaid waivers (like Home and Community-Based Services) may provide additional supports for independent living, such as personal care services and mental health care coordination. These waivers have waitlists, so apply early. ABLE Accounts allow Texans with disabilities to save money without losing eligibility for SSI or Medicaid—up to $100,000 does not count toward SSI asset limits. Local Mental Health Authorities (LMHAs) provide crisis intervention, counseling, and case management even if you do not qualify for federal disability benefits. Texas also offers some state-funded mental health programs for those who do not qualify for Medicaid; contact your LMHA for details.
Texas ABLE accounts let you save up to $100,000 without affecting SSI eligibility. Funds can pay for qualified disability expenses like housing, education, and healthcare. ABLE accounts help people with disabilities manage money without losing federal or state benefits.
SSI income limits (2025): $967/month for individuals, $1,450/month for couples. The resource limit is $2,000 for individuals, $3,000 for couples[2]. SSDI income limits: If you can’t engage in Substantial Gainful Activity (SGA), you’re eligible. In 2025, SGA is $1,620/month for non-blind, $2,700/month for blind applicants[1][2]. Medicaid limits: Vary by program—check with HHSC for current numbers.
Report all changes in your income, living situation, and resources promptly to the SSA and the Texas Health and Human Services Commission to prevent overpayments[2]. Overpayments can lead to benefit reductions or demands for repayment. If you think you were overpaid, contact the SSA or HHSC immediately to discuss repayment options or waivers.
Step 1: Are you working above the 2025 SGA limit ($1,620/month)? If not, move to step 2. Step 2: Is your depression severe enough to interfere with work or daily tasks? If yes, step 3. Step 3: Does your depression meet the criteria for a "listed impairment" in the SSA Blue Book (such as major depressive disorder with specific severity)? If not, step 4. Step 4: Can you still do your past job? If not, step 5. Step 5: Can you adjust to other work? If not, you may qualify for benefits[1]. Medical documentation is critical at every step.
If you’re in crisis and need help now, contact your local mental health authority. Texas has crisis hotlines and walk-in centers in every region. These services are available regardless of your income or insurance status. Don’t wait for a federal or state benefits decision if you need urgent care.
Yes, but there are strict income limits. In 2025, SSI recipients must stay under $967/month (individuals) and $2,000 in resources. SSDI has a Trial Work Period—you can work and earn over $1,160/month for up to 9 months without losing benefits. Always report earnings to SSA[2].
Texas Medicaid covers therapy, medication, and other mental health services. SSI recipients get Medicaid automatically. Others may qualify based on income and disability status. Apply through the YourTexasBenefits portal or contact HHSC for more information.
You can appeal. Request reconsideration within 60 days and submit any new medical evidence. Contact a disability attorney or advocate for help. Keep all records and continue treatment to strengthen your case.
Yes, Texas’s Local Mental Health Authorities offer crisis services, counseling, and case management to residents regardless of income or disability status. Contact your local LMHA for help.
An ABLE account is a special savings account for Texans with disabilities. You can save up to $100,000 without affecting SSI or Medicaid. ABLE funds help pay for qualified disability expenses like housing, education, transportation, and healthcare.
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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SSDI is based on work history and paid to disabled workers or dependents. SSI is needs-based, for low-income people with disabilities. See our SSI vs SSDI guide for more details.
Depression alone can qualify if it causes marked and severe functional limitations lasting at least 12 months and you meet all other SSA requirements[1][5]. The SSA will review your medical records, treatment history, and ability to work.
For crisis mental health services, contact your Local Mental Health Authority (LMHA) immediately. For Medicaid, some services may be available while you wait for your application to process. Always ask about emergency or crisis options.
