Residents of Tennessee who are hard of hearing may qualify for federal disability benefits like SSDI and SSI, as well as state programs for support and services. This guide explains eligibility, how to apply, and additional resources.
To qualify for federal disability benefits in Tennessee, you must have a medical condition that prevents you from working for at least 12 months. The Social Security Administration (SSA) offers two main programs: Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). SSDI requires a work history with enough Social Security-covered employment credits. SSI is for those with limited income and resources, regardless of work history. Both programs require that your condition meets SSA’s definition of disability, which includes being unable to do substantial work due to your impairment. For 2025, the Substantial Gainful Activity (SGA) limit is $1,620 per month for non-blind individuals and $2,700 for blind individuals. If you are hard of hearing, your condition must be severe enough to meet these criteria and prevent you from working in any substantial job.
If you are hard of hearing, your application will be reviewed based on how your hearing loss affects your ability to work and communicate in a job setting.
In Tennessee, residents who are hard of hearing may qualify for additional state programs beyond federal SSDI and SSI. The Family Support Program provides up to $6,000 per year for individuals with severe disabilities, including those who are hard of hearing, to help with respite care, home modifications, equipment, and other needs. This program is designed to help families keep loved ones at home and in the community. Eligibility for state programs often depends on the severity of your disability and your family’s income. Tennessee also offers Medicaid waivers, such as the HCBS Waiver, which can provide services like personal care, assistive technology, and home modifications for those who qualify. TennCare, Tennessee’s Medicaid program, covers health care for eligible residents with disabilities, including those who are hard of hearing. State-specific programs may have different eligibility rules, so it’s important to check with local agencies for details.
Federal programs are available to all eligible residents, including those who are hard of hearing. Payments and coverage vary based on your situation and income.
State programs may have different eligibility rules and application processes. Contact your local agency for details and support.
ABLE accounts allow individuals with disabilities to save money without losing eligibility for federal benefits like SSI and Medicaid. In Tennessee, residents who became disabled before age 26 can open an ABLE account. Funds can be used for qualified disability expenses, including education, housing, transportation, and assistive technology. Contributions are limited each year, and there are state-specific rules for account management. ABLE accounts can help those who are hard of hearing save for future needs while maintaining access to benefits.
Source: National Disability Institute, 2025
For 2025, the SSI federal benefit rate is $967 per month for an individual. The SSDI payment varies based on your work history, with a maximum of $4,018 per month. Income limits for SSI are strict; countable income must be below the federal limit. For SSDI, you must earn less than $1,620 per month (non-blind) or $2,700 (blind) to qualify. State programs like Family Support may have different income limits, so check with local agencies for details.
Source: Muse Disability, 2025 Source: National Disability Institute, 2025
If you receive more benefits than you are entitled to, you may have to repay the overpayment. Report any changes in income, employment, or living situation to the SSA or state agency promptly. Failure to report changes can result in penalties or loss of benefits. For SSI and SSDI, use the SSA’s online portal or contact your local office to report changes. State programs may have different reporting requirements, so check with your local agency.
Source: SSA.gov, 2025 Source: National Disability Institute, 2025
Contact your local SSA office or Tennessee Family Support Program for help with your application. Advocacy groups can also provide support and guidance.
Yes, if your hearing loss is severe enough to prevent you from working for at least 12 months, you may qualify for SSDI or SSI. The SSA will review your medical records and work history to determine eligibility.
SSDI is for those with a qualifying work history and enough Social Security credits. SSI is for those with low income and resources, regardless of work history. Both programs require a qualifying disability.
The maximum SSI payment in 2025 is $967 per month. SSDI payments vary based on your work history, with a maximum of $4,018 per month. State programs may offer additional support.
Tennessee offers the Family Support Program, Medicaid waivers, and TennCare. These programs can help with respite care, home modifications, equipment, and health coverage for those who qualify.
You can apply for SSDI or SSI online at SSA.gov, by phone, or at a local SSA office. For state programs, contact your local agency or visit TN.gov for application forms and details.
You will need medical records, employment history, proof of income, and identification. The SSA may request additional information or medical exams during the application process.
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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You can work, but your earnings must be below the Substantial Gainful Activity limit ($1,620/month for non-blind, $2,700 for blind in 2025). Work incentives allow you to test your ability to work without losing benefits immediately.
The Family Support Program provides up to $6,000 per year for individuals with severe disabilities, including those who are hard of hearing. Funds can be used for respite care, home modifications, equipment, and other needs.
The SSA may take 6 to 8 months to decide on your application. For some conditions, immediate payments may be made while the decision is pending.
You can appeal within 60 days of the denial. Consider seeking help from a disability advocate or attorney to improve your chances of approval.
