People who are Deaf in North Carolina can access federal and state disability benefits, including SSI, SSDI, Medicaid, and state-specific programs. This guide explains eligibility, how to apply, and where to get help.
To qualify for federal disability benefits like SSI or SSDI in North Carolina, you must have a medical condition that stops you from working and is expected to last at least a year or result in death. For SSDI, you need enough work credits based on your earnings. SSI is for those with limited income and resources, regardless of work history. Deafness is listed as a qualifying condition if it meets the Social Security Administration’s criteria for severity and duration. You must provide medical proof, such as audiograms and doctor reports, to show how your hearing loss affects your ability to work[2][7].
In North Carolina, Deaf individuals may qualify for state disability benefits if they work for the state and participate in the Teachers’ and State Employees’ Retirement System (TSERS). Basic short-term disability (STD) pays 50% of monthly salary (up to $3,000/month) after a 60-day waiting period, for up to a year. Long-term disability (LTD) pays after a year if you remain disabled. Eligibility depends on years of service and plan requirements. State employees can also buy extra coverage through the NCFlex Voluntary Disability Plan[1][8]. North Carolina also offers Medicaid waivers for people with developmental and sensory disabilities, which can provide extra support services[3][4].
ABLE accounts let people with Deafness save money without losing SSI or Medicaid benefits. You can use the funds for education, housing, transportation, and other qualified expenses. North Carolina residents can open an ABLE account through the state’s program[4].
SSI has strict income and resource limits. In 2025, the federal SSI limit is $943/month for an individual. SSDI limits depend on your work history. Medicaid income limits vary by program and household size. Use the DB101 Benefits Estimator to see how your income affects your benefits[4].
If your income or living situation changes, you must report it to Social Security or Medicaid to avoid overpayments. Report changes promptly to keep your benefits and avoid penalties. Use the Avoiding Overpayments & Reporting Changes guide for step-by-step help[4].
Contact the Employment and Independence for People with Disabilities (EIPD) at 1-800-689-9090 for free help with benefits applications and work planning.
Yes, Deafness can qualify for SSDI if it prevents you from working and is expected to last at least a year. You must have enough work credits and provide medical proof of your hearing loss[7].
State employees may get short-term and long-term disability benefits through DIP-NC. All Deaf individuals can apply for Medicaid waivers and work support through EIPD[1][3][4].
Gather medical records, apply online or by phone with Social Security, and provide proof of your Deafness and how it affects your work. Call 1-800-772-1213 for help[4][7].
Yes, North Carolina offers Medicaid waivers for people with developmental and sensory disabilities, including Deafness. These waivers can provide extra support services[3][4].
Yes, work incentives let you keep some benefits while working. Use the DB101 Benefits Estimator and contact EIPD for help with work planning[4].
The federal SSI income limit in 2025 is $943/month for an individual. Medicaid limits vary by program and household size[4].
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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You can open an ABLE account through North Carolina’s program. These accounts let you save money without losing SSI or Medicaid benefits[4].
Yes, report any changes in income or living situation to Social Security or Medicaid to avoid overpayments and keep your benefits[4].
Medicare is available after 24 months of SSDI. Medicaid is available for low-income individuals, including those who are Deaf and meet medical criteria[5][4].
Contact Social Security, your local Department of Social Services, EIPD, or the Ticket to Work Help Line for help with applications and benefits planning[4].
