North Dakota residents with Myalgic Encephalomyelitis (ME/CFS) may qualify for federal and state disability benefits, including SSI, SSDI, and Medicaid. This guide explains eligibility, how to apply, and key programs. It also covers ABLE accounts, work incentives, and how to avoid overpayments.
To qualify for SSI or SSDI, your Myalgic Encephalomyelitis must cause severe limitations in daily activities, work, or school for at least 12 months or be expected to result in death. SSI is for people with limited income and resources; SSDI is for those with a sufficient work record. Both require medical evidence and, often, a doctor’s support [6, 2].
SSI applicants must meet strict income and asset limits. SSDI applicants generally need about 40 Social Security credits, half earned in the last 10 years [6]. Even if you don’t qualify for SSDI, you may still be eligible for SSI.
North Dakota’s Disability Determination Services (DDS) reviews medical evidence for federal disability claims but does not offer a separate state disability program. If you qualify for SSI, you automatically qualify for North Dakota Medicaid—but you must apply separately through your county social service office [1].
In 2025, the maximum SSI payment in North Dakota is $967 per month [1]. Work incentives like Impairment Related Work Expenses (IRWE) and the Plan for Achieving Self-Support (PASS) may help you keep benefits if you try to work [1]. State-specific services for chronic illnesses are limited; focus on federal programs and explore Medicaid waivers for extra supports.
Start your disability application online at ssa.gov, by phone at 1-800-772-1213, or in person at your local Social Security office [2]. Gather medical records, work history, and personal information. After applying, North Dakota DDS will review your medical evidence and make a disability determination [2]. If approved, contact your county for Medicaid [1].
Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) are the main federal programs for people with Myalgic Encephalomyelitis and other disabling conditions. SSDI is based on your work history and tax contributions, while SSI is for people with limited income and resources [1, 6]. Both programs require proof that your condition is severe and long-lasting. The Ticket to Work Program offers free vocational support and work incentives to help you explore employment without immediately losing benefits [3].
North Dakota does not have a separate state disability program, but it automatically enrolls SSI recipients in Medicaid. You must still apply for Medicaid through your county social service office [1]. Work incentives like IRWE, PASS, and the Student Earned Income Exclusion may help you keep benefits if you attempt to work [1]. North Dakota offers some home and community-based services through Medicaid waivers, but these programs are not specific to Myalgic Encephalomyelitis. For broader support, contact your local social services or nonprofits for information on services to maximize independence and community inclusion [5].
ABLE accounts allow individuals with disabilities—including those with Myalgic Encephalomyelitis—to save money without affecting SSI and Medicaid eligibility. North Dakota does not currently offer its own ABLE program, but you can enroll in another state’s plan.
In 2025, the maximum SSI payment in North Dakota is $967 per month for individuals. This amount may be reduced if you have other income. SSDI payment amounts are based on your past earnings. Both programs have rules about how much you can earn from work; work incentives may help you keep your benefits [1].
Always report changes in your income, living situation, or health to Social Security and Medicaid. Not reporting changes can lead to overpayments, which you may have to pay back. Keep records of all communication. If you get an overpayment notice, contact SSA immediately to set up a repayment plan or request a waiver. For more, see our <a href='/guides/overpayments-and-reporting'>Avoiding Overpayments & Reporting Changes</a> guide.
If you’re able to work at all, explore SSI and SSDI work incentives. Programs like Impairment Related Work Expenses (IRWE) and the Plan for Achieving Self-Support (PASS) can help you keep your benefits while you test the waters of employment. The Ticket to Work Program provides free vocational support [1, 3].
If you’re approved for SSI, you automatically qualify for North Dakota Medicaid, but you must still apply at your county social service office. This can help cover medical expenses and, in some cases, provide access to home and community-based services [1].
It usually takes 3–5 months for an initial decision. If your case goes to a hearing, the average wait in North Dakota is about 9 months. Having a representative may improve your chances of approval [4].
Yes, both programs have work incentives that allow you to try working without immediately losing benefits. You may keep some benefits and health coverage, depending on your earnings [1, 3].
Submit medical records showing diagnosis, symptoms, treatments, and how your condition affects daily life. Doctor’s notes and test results help. North Dakota DDS may request additional exams if needed [2].
No, North Dakota does not have a separate state disability program. All disability determinations are made through the federal SSI and SSDI programs [2].
Contact your local County Social Service Office to apply for Medicaid after you are approved for SSI. You must apply separately, even though eligibility is automatic [1].
This free, voluntary program helps people with disabilities explore work while keeping some benefits and getting vocational support [3].
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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Yes, an ABLE account lets you save for disability-related expenses without affecting SSI or Medicaid. North Dakota does not have its own, but you can join another state’s program.
You can appeal. Consider working with an advocate or attorney, as represented applicants are more likely to be approved [4].
State-specific services are limited. Focus on federal programs and Medicaid waivers, and ask your doctor about community resources [5].
Report all changes in income, living situation, or health to Social Security and Medicaid. Keep copies of your reports. See our <a href='/guides/overpayments-and-reporting'>Avoiding Overpayments & Reporting Changes</a> guide for details.
