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New Hampshire • Speech/Language
People with stuttering in New Hampshire may qualify for federal disability benefits like SSI and SSDI, as well as Medicaid waivers and support services. There is no state disability program, but federal rules apply. This guide explains eligibility, how to apply, and key resources.
To qualify for federal disability benefits like SSI or SSDI, your stuttering must meet Social Security's strict definition of disability. This means your condition must prevent you from doing substantial work, and it must have lasted or be expected to last at least 12 months or result in death. Social Security does not pay for partial or short-term disabilities. You must also meet income and asset limits, which vary by program and household size. For SSI, you must have limited income and resources. For SSDI, you must have worked and paid into Social Security enough to earn work credits. [^1]
New Hampshire does not have its own state disability program for adults. Only five states offer state disability insurance; New Hampshire is not one of them. Residents must apply for federal SSI or SSDI instead. For Medicaid, New Hampshire follows federal rules but may have specific income and asset limits for long-term care and waivers. For example, in 2025, the asset limit for Medicaid long-term care is $2,500 for a single applicant, but with an asset disregard, you can have up to $7,500. Medicaid waivers can help pay for home and community-based services if you meet the nursing home level of care requirement. [^2]
New Hampshire does not have a state disability insurance program for adults. Only federal programs like SSI and SSDI are available. For Medicaid, New Hampshire follows federal rules but may have specific income and asset limits for long-term care and waivers. For example, in 2025, the asset limit for Medicaid long-term care is $2,500 for a single applicant, but with an asset disregard, you can have up to $7,500. Medicaid waivers can help pay for home and community-based services if you meet the nursing home level of care requirement. The New Hampshire Disability and Health Program is funded by the CDC and provides resources and support for people with disabilities, but it does not provide direct financial benefits. [^3]
ABLE accounts allow people with disabilities to save money without losing SSI or Medicaid benefits. You can use the funds for qualified disability expenses like therapy, education, housing, and transportation. New Hampshire residents can open an ABLE account through the state's ABLE program or another state's program if New Hampshire's is not available. [^4]
For SSI in 2025, the federal income limit is $914 per month for an individual and $1,371 for a couple. For SSDI, there is no strict income limit, but you must not earn more than the substantial gainful activity (SGA) level, which is $1,550 per month in 2025. For Medicaid long-term care in New Hampshire, the income limit is $2,901 per month for a single applicant in 2025. [^2]
You must report any changes in income, resources, or living situation to Social Security and Medicaid. Failure to report can result in overpayments and penalties. If you receive an overpayment, you may be able to request a waiver or set up a repayment plan. [^5]
Contact a disability advocate or legal aid for help with your application. Many organizations offer free or low-cost assistance.
Yes, if your stuttering meets Social Security's strict definition of disability. It must prevent you from doing substantial work and last at least 12 months. You must also meet income and asset limits for SSI or have enough work credits for SSDI.
No, New Hampshire does not have a state disability insurance program for adults. Only federal programs like SSI and SSDI are available. Only five states offer state disability insurance.
You can apply online at ssa.gov, by phone at 1-800-772-1213, or in person at a local Social Security office. You will need medical records and work history to support your claim.
In 2025, the income limit for Medicaid long-term care in New Hampshire is $2,901 per month for a single applicant. The asset limit is $2,500, but with an asset disregard, you can have up to $7,500.
Yes, if you meet the nursing home level of care requirement. Medicaid waivers can help pay for home and community-based services like therapy and assistive technology.
An ABLE account is a tax-advantaged savings account for people with disabilities. New Hampshire residents can open an ABLE account through the state's program or another state's program if New Hampshire's is not available.
Disclaimer: This guide is for informational purposes only and does not constitute legal or financial advice. Always consult with a qualified professional for personalized guidance.
It takes an average of 6.1 months to get an initial decision. Most people are denied at first and need to appeal, which can take up to two years if you go to a hearing.
Yes, you must report any changes in income, resources, or living situation to Social Security and Medicaid. Failure to report can result in overpayments and penalties.
Yes, there are work incentives that allow you to try working without losing benefits. You can earn up to the substantial gainful activity (SGA) level and still get benefits.
The New Hampshire Disability and Health Program provides resources and support for people with disabilities. You can also get help from disability advocates, legal aid, and local support groups.
