Open a Purple account in minutes. Banking built for people with disabilities.
North Carolina • Chronic Illness
People with fibromyalgia in North Carolina may qualify for federal SSDI or SSI benefits, state disability plans, and Medicaid waivers. Eligibility depends on work history, income, and medical documentation. This guide covers how to apply, what benefits are available, and where to get help.
To qualify for Social Security Disability Insurance (SSDI) in North Carolina, you must have a medical condition that stops you from working for at least a year and have enough work credits. In 2025, you earn one credit for every $1,730 in covered earnings, up to four per year. Most adults need 20 credits in the last 10 years before disability starts. For Supplemental Security Income (SSI), you must have limited income and resources, and meet Social Security’s disability definition. Both programs require that your condition prevents you from doing substantial gainful activity (SGA), which is $1,550 per month in 2025 for non-blind individuals[1].
Fibromyalgia is considered a chronic illness and can qualify if it severely limits your ability to work and is expected to last at least a year[3]. The Social Security Administration reviews your medical records, work history, and how your condition affects daily activities[3].
North Carolina state employees who participate in the Teachers’ and State Employees’ Retirement System (TSERS) may qualify for short-term and long-term disability benefits through the Disability Income Plan of North Carolina (DIP-NC). To get short-term disability (STD), you need at least one year of contributing membership service in TSERS within the 36 months before your disability. STD pays 50% of your monthly salary, up to $3,000 per month, for up to 365 days after a 60-day waiting period. If you remain disabled after a year, you may qualify for long-term disability (LTD) benefits[2].
If you are not a state employee, you may still qualify for federal SSDI or SSI benefits. North Carolina also offers Medicaid waivers for people with disabilities, which can help pay for home and community-based services[4]. These waivers are for people who meet income and disability requirements and need support to live independently[4].
ABLE accounts let people with disabilities save money without losing eligibility for SSI, Medicaid, or other benefits. North Carolina residents can open an ABLE account through the state’s ABLE program. Funds can be used for qualified disability expenses like housing, education, and transportation[7].
For SSI in 2025, the federal income limit is $943 per month for an individual and $1,415 for a couple. Some income, like the first $20 of most income, is not counted. For SSDI, there is no strict income limit, but you cannot earn more than the SGA threshold ($1,550 per month in 2025) from work[1].
If your income or condition changes, you must report it to Social Security or the state agency. Failing to report changes can lead to overpayments, which you may have to repay. Keep records of all changes and report them as soon as possible to avoid penalties[1].
Contact your local Social Security office or a disability advocate for help with your application. Many organizations offer free assistance to people with disabilities.
Yes, fibromyalgia can qualify for SSDI or SSI if it prevents you from working for at least a year and meets Social Security’s disability definition. You must provide medical evidence showing how your condition affects your ability to work[3].
You can apply online at SSA.gov, by phone, or in person at a local Social Security office. You will need to provide medical records, work history, and proof of income. The process can take several months[1].
Most adults need 20 credits in the last 10 years before disability starts. In 2025, you earn one credit for every $1,730 in covered earnings, up to four per year. The exact number depends on your age when disability begins[1].
The SGA limit in 2025 is $1,550 per month for non-blind individuals. If you earn more than this from work, Social Security may consider you not disabled for SSDI purposes[1].
Yes, if you meet income and disability requirements, you may qualify for Medicaid or Medicaid waivers. These programs help pay for home and community-based services for people with disabilities[4].
State employees in TSERS may qualify for short-term and long-term disability benefits through DIP-NC. STD pays 50% of monthly salary, up to $3,000 per month, for up to 365 days after a 60-day waiting period[2].
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.
The process can take several months. Social Security reviews your application, medical records, and work history. If denied, you can appeal, which may take longer[1].
If denied, you can appeal. Follow the instructions provided by Social Security or the state agency. You may need to provide more medical evidence or attend a hearing[1].
You can work, but your earnings must be below the SGA limit ($1,550 per month in 2025). Social Security has work incentives to help you try working without losing benefits[1].
An ABLE account lets people with disabilities save money without losing eligibility for SSI, Medicaid, or other benefits. Funds can be used for qualified disability expenses like housing, education, and transportation[7].
