People who are hard of hearing in North Carolina can access federal and state disability benefits, including Social Security, Medicaid, and state-specific programs. This guide explains eligibility, how to apply, and key resources for North Carolinians with hearing loss.
To qualify for federal disability benefits like SSI or SSDI, you must have a medical condition that prevents you from working and is expected to last at least one year or result in death. For SSDI, you need to have earned enough work credits based on your employment history. For SSI, your income and resources must be below certain limits. The Social Security Administration (SSA) reviews your medical records and work history to determine eligibility. Hearing loss can qualify if it meets SSA’s criteria for disability.
In North Carolina, people who are hard of hearing may qualify for state disability benefits if they are state employees or teachers covered by the Teachers’ and State Employees’ Retirement System (TSERS). The Disability Income Plan of North Carolina (DIP-NC) provides short-term and long-term disability benefits for eligible employees. To qualify, you must have at least one year of contributing membership service in TSERS within the 36 months before your disability. State disability benefits may be limited if you have fewer than five years of creditable service.
North Carolina also offers Medicaid and Medicaid waivers for people with disabilities, including those who are hard of hearing. These programs can help pay for hearing aids, assistive devices, and other supports. Eligibility for Medicaid is based on income, resources, and disability status.
Source: SSA Source: NC State Human Resources Source: NC Medicaid
Source: SSA Source: Medicare Source: Medicaid
ABLE accounts let people with disabilities save money for disability-related expenses without losing SSI or Medicaid benefits. In North Carolina, you can open an ABLE account through the state’s ABLE program. Funds can be used for education, housing, transportation, and other qualified expenses. There are annual and lifetime contribution limits.
Federal SSI has strict income and resource limits. In 2025, the individual resource limit is $2,000 and the couple limit is $3,000. SSDI has no resource limit, but your earnings must be below the substantial gainful activity (SGA) level. North Carolina Medicaid has its own income and resource limits, which vary by program.
Source: SSA Source: NC Medicaid
You must report changes in your income, work status, or health to avoid overpayments. Overpayments can happen if you don’t report changes or if your situation changes. If you receive an overpayment, you may have to repay the money. Contact Social Security or your state agency if you have questions.
Contact Social Security at 1-800-772-1213 or your local Department of Social Services for help with applications and questions.
Yes, if your hearing loss meets federal or state disability criteria, you may qualify for SSI, SSDI, or state disability plans. Medical documentation is required to prove your disability.
You can apply online at SSA.gov, by phone at 1-800-772-1213, or in person at a Social Security office. You’ll need medical records and proof of income.
State employees and teachers may qualify for the Disability Income Plan of North Carolina (DIP-NC). Medicaid and Medicaid waivers are also available for eligible residents.
Yes, North Carolina Medicaid covers hearing aids and other assistive devices for eligible people with disabilities, including those who are hard of hearing.
Yes, but there are limits on how much you can earn. Work incentives can help you keep benefits while you work. Report any changes to avoid overpayments.
An ABLE account lets you save money for disability-related expenses without losing SSI or Medicaid benefits. Funds can be used for education, housing, and other qualified costs.
This guide is for informational purposes only and is not legal or financial advice. Always consult with a qualified professional for personalized guidance.
Join thousands of families who trust Purple to protect their benefits
Purple is a financial technology company, not a bank. Banking services are provided by OMB Bank, Member FDIC.
Report changes in income, work status, or health to Social Security or your state agency. This helps avoid overpayments and keeps your benefits accurate.
Yes, children may qualify for SSI, Medicaid, and early intervention programs. Contact your local Department of Social Services for more information.
You can appeal the decision. Contact Social Security or your state agency for help with the appeals process. You may also seek help from a disability advocate.
Yes, Medicaid and Medicaid waivers can help pay for hearing aids and other assistive devices. Contact your local Department of Social Services for more information.
