People with low vision 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 key resources.
To qualify for federal disability benefits in North Carolina, you must have a medical condition that prevents you from working for at least 12 months or is expected to result in death. For Social Security Disability Insurance (SSDI), you need enough work credits from jobs covered by Social Security. For Supplemental Security Income (SSI), you must have limited income and resources. Both programs require a medical review by the Social Security Administration (SSA) to confirm your disability meets their standards. Low vision can qualify if it severely limits your ability to work or perform daily activities [7].
In North Carolina, people with low vision may qualify for state disability benefits if they are state employees or teachers in the Teachers’ and State Employees’ Retirement System (TSERS). TSERS members can get basic short-term and long-term disability (DIP-NC) after meeting service requirements. State employees may also buy extra disability coverage through NCFlex. For non-state employees, eligibility for state programs like Medicaid depends on income, resources, and disability severity. North Carolina also offers Medicaid waivers for people with developmental disabilities, which may help if low vision is part of a broader condition [1][3][4].
ABLE accounts let people with disabilities save money without losing SSI or Medicaid benefits. In North Carolina, you can open an ABLE account if your disability started before age 26. Funds can be used for expenses like education, housing, and transportation. Learn more at the ABLE National Resource Center or contact your local EIPD office [4].
For SSI, the income limit in 2025 is $943/month for an individual and $1,415/month for a couple. For SSDI, there is no strict income limit, but you must not earn more than the Substantial Gainful Activity (SGA) amount ($1,550/month in 2025). Medicaid income limits vary by program and household size. Check with your local Department of Social Services for exact numbers [4].
If your income or health changes, you must report it to Social Security and Medicaid to avoid overpayments. Failing to report can lead to fines or loss of benefits. Use the SSI & SSDI Work Incentives guide to understand how work affects your benefits [4].
Contact the Employment and Independence for People with Disabilities (EIPD) at 1-800-689-9090 for expert help with disability benefits and work preparation.
Yes, low vision can qualify for federal SSI/SSDI if it prevents you from working for at least 12 months. State programs may also help if you are a state employee or meet other criteria.
Start by checking eligibility, gathering medical records, and applying for SSI/SSDI through Social Security. If you are a state employee, check with your employer about DIP-NC or NCFlex plans.
State employees may get DIP-NC or NCFlex disability benefits. Medicaid waivers and employment support programs are also available for people with disabilities.
Yes, you can work, but there are income limits. SSI has strict limits, while SSDI allows some earnings. Work incentives help you keep benefits while working.
The SSI income limit in 2025 is $943/month for an individual and $1,415/month for a couple. Medicaid limits vary by program and household size.
Medicaid and Medicare can help with medical bills. Medicaid is for people with low income, while Medicare is for people who get SSDI after a waiting period.
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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An ABLE account lets people with disabilities save money without losing SSI or Medicaid benefits. Funds can be used for expenses like education, housing, and transportation.
Yes, you must report changes in income or health to Social Security and Medicaid to avoid overpayments and keep your benefits.
Yes, North Carolina offers Medicaid waivers and support programs for people with developmental disabilities, which may help if low vision is part of a broader condition.
Contact the Employment and Independence for People with Disabilities (EIPD) or the Division of Services for the Blind for job training and support.
