Open a Purple account in minutes. Banking built for people with disabilities.
North Carolina • Mental Health
If you have depression that prevents you from working in North Carolina, you may qualify for federal disability benefits like SSDI or SSI. State programs and Medicaid can also help. This guide explains eligibility, how to apply, and where to get support.
To qualify for Social Security Disability Insurance (SSDI) in North Carolina, you must have a medical condition like depression that stops you from working for at least a year. You also need enough work credits from recent years. Most people need 20 credits in the last 10 years before becoming disabled. For Supplemental Security Income (SSI), your income and assets must be low, and your depression must meet Social Security’s disability rules. Both programs require proof from doctors and a review by Social Security staff[1][3][7].
North Carolina does not offer a separate state disability program for most residents, but state employees may get short-term and long-term disability benefits through the Disability Income Plan of North Carolina (DIP-NC). To qualify, you need at least one year of creditable service in the Teachers’ and State Employees’ Retirement System (TSERS). If you have fewer than five years of service, benefits may be limited. After a 60-day waiting period, the plan pays up to 50% of your monthly salary, capped at $3,000 per month, for up to a year. If you remain disabled, long-term benefits may continue[2][6].
An ABLE account lets people with depression save money without losing SSI or Medicaid benefits. You can use the funds for housing, education, and other needs. Learn more about ABLE accounts and how to open one in North Carolina[4].
For SSI in 2025, the federal income limit is $943 per month for an individual. North Carolina may have different rules for Medicaid. Always report changes in income to avoid overpayments[4].
If your income or work status changes, report it to Social Security right away. Not reporting changes can lead to overpayments and penalties. Use the official reporting tools and get help if you are unsure[4].
Call Social Security at 1-800-772-1213 or contact North Carolina’s Employment and Independence for People with Disabilities (EIPD) at 1-800-689-9090 for free help with your application[4].
Yes, if your depression is severe enough to stop you from working for at least a year, you may qualify for SSDI or SSI. You must provide medical proof and meet Social Security’s rules[3][7].
SSDI payments depend on your work history. SSI pays up to $943 per month in 2025. State employees may get up to $3,000 per month from DIP-NC[2][4].
No, but you must have worked enough in recent years to qualify for SSDI. SSI is for people with low income and assets, regardless of work history[1][7].
The process can take 3 to 6 months or longer. It may take longer if you need to appeal a denial. Keep all your records and follow up regularly[1][3].
You can try to work, but your earnings must be below the Substantial Gainful Activity (SGA) limit, which is $1,550 per month in 2025. Social Security has work incentives to help you test your ability to work[1][4].
You need records from doctors, therapists, and hospitals that show your depression is severe and stops you from working. Social Security will review all your medical evidence[3][7].
Disclaimer: This guide is for informational purposes only. Always check with official agencies for the most current rules and eligibility.
State employees may get short-term and long-term disability benefits. Medicaid can help with health care costs. ABLE accounts let you save money without losing benefits[2][4][6].
You can appeal within 60 days of the denial letter. You may need to provide more medical evidence or attend a hearing. Get help from a disability advocate if needed[1][3].
Yes, if you meet income and disability requirements. Contact your local Department of Social Services or call NC Medicaid for details[4].
North Carolina’s Employment and Independence for People with Disabilities (EIPD) offers job training and support for people with depression. Contact EIPD for more information[4].
