People with Multiple Sclerosis in North Carolina can qualify for federal disability benefits like SSDI and SSI, as well as state programs and Medicaid waivers. This guide explains eligibility, how to apply, and what extra help is available.
To get federal disability benefits for Multiple Sclerosis in North Carolina, you must meet Social Security Administration (SSA) rules. For SSDI, you need enough work credits based on your earnings and age. 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. You must also have a medical condition that stops you from working for at least a year or is expected to result in death. For SSI, you must have low income and limited resources, and meet the same medical rules as SSDI[1][3].
North Carolina has extra programs for people with disabilities. State employees in the Teachers’ and State Employees’ Retirement System (TSERS) may get short-term and long-term disability benefits if they have enough creditable service. After 60 days of disability, the short-term plan pays up to $3,000 per month for up to a year. If you still can’t work after a year, the long-term plan may pay benefits for as long as you qualify as disabled. These benefits are separate from SSDI and SSI[2][7]. North Carolina also offers Medicaid waivers for people with intellectual and developmental disabilities, but eligibility for physical disabilities like Multiple Sclerosis may depend on your situation and income[4].
ABLE accounts let people with disabilities save money without losing SSI or Medicaid benefits. You can use the funds for disability-related expenses like medical care, housing, and education. North Carolina residents can open an ABLE account through the NC ABLE Program. Learn more about ABLE accounts and how to apply[6].
For SSI, the income limit in 2025 is $943 per month for an individual and $1,415 for a couple. For SSDI, there is no strict income limit, but you must not earn more than the Substantial Gainful Activity (SGA) threshold of $1,550 per month (non-blind) or $2,590 (blind) in 2025. Medicaid income limits vary by program and household size[1][8].
You must report any changes in your income, work, or living situation to Social Security and Medicaid. Failing to report changes can lead to overpayments and penalties. If you get an overpayment notice, contact the agency right away to discuss repayment options. Learn more about avoiding overpayments and reporting changes[1][8].
Contact your local Social Security office or a disability advocate for help with your application. You can also use the Disability Benefits 101 North Carolina website for interactive tools and guides[6].
If you need help at home, ask about Medicaid waivers. These programs can pay for home health aides, therapy, and other services. Contact your local Department of Social Services for details[4].
Yes, Multiple Sclerosis can qualify for SSDI or SSI if it stops you from working for at least a year. You must meet SSA medical and work credit rules. State employees may also qualify for state disability plans if they have enough service time[1][2][3].
You can apply online at SSA.gov, by phone at 1-800-772-1213, or in person at a local Social Security office. You will need medical records and work history. State employees should also check with their employer for state disability benefits[1][3].
In 2025, the SSI income limit is $943 per month for an individual and $1,415 for a couple. SSDI has no strict income limit, but you must not earn more than the SGA threshold of $1,550 per month (non-blind) or $2,590 (blind)[1][8].
Yes, after 24 months of receiving SSDI, you become eligible for Medicare. This is true in all states, including North Carolina. Medicare helps pay for hospital and medical care[5][8].
Medicaid waivers let people with disabilities get home and community-based services instead of living in institutions. Eligibility depends on your situation and income. Contact your local Department of Social Services for details[4].
Yes, you may get both SSDI and state disability benefits if you qualify. State disability benefits are for state employees with enough service time. SSDI is based on your work history and medical condition[2][7].
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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It can take 3 to 6 months to get a decision on your SSDI or SSI claim. If your claim is denied, you can appeal within 60 days. The appeals process may take longer[1][3].
If your claim is denied, you can appeal within 60 days. You may need to provide more medical evidence or attend a hearing. You can also seek help from a disability advocate or lawyer[1][3].
You can work and get disability benefits, but your earnings must be below the SGA threshold. There are work incentives and trial work periods that let you test your ability to work without losing benefits[1][8].
You must report changes in income, work, or living situation to Social Security and Medicaid. You can report changes online, by phone, or in person. Failing to report changes can lead to overpayments and penalties[1][8].
