If you have low vision in Tennessee, you may qualify for federal disability benefits like SSDI or SSI, as well as state programs for support and services. This guide explains eligibility, how to apply, and what resources are available.
To qualify for Social Security Disability Insurance (SSDI) in Tennessee, you must have a medical condition that prevents you from working for at least 12 months and have paid enough Social Security taxes through work. For most adults, this means earning 40 work credits, with 20 in the last 10 years before disability onset. The number of credits needed depends on your age when you become disabled. For Supplemental Security Income (SSI), you must have limited income and resources, and a disability that has lasted or is expected to last at least 12 months. Both programs require that your vision loss meets the Social Security Administration’s definition of disability, which includes legal blindness or other severe visual impairments that prevent substantial work. The 2025 Substantial Gainful Activity (SGA) limit is $1,620 per month for non-blind individuals and $2,700 for blind individuals. Earning above these amounts generally disqualifies you from benefits, but work incentives and trial periods may apply[1][5][6].
In Tennessee, individuals with low vision may also qualify for state-specific programs. The Family Support Program assists families with children or adults with severe disabilities, including those with low vision, by providing services like respite care, home modifications, and personal assistance. Eligibility is based on the severity of the disability and family need, with a current benefit limit of $6,000 per individual. Tennessee also offers Medicaid waivers for home and community-based services, which can help with vision-related needs. Additionally, Tennessee residents may access food assistance through SNAP, housing help through the Tennessee Housing Development Agency, and free Medicare counseling through TN SHIP. These programs can supplement federal disability benefits and help meet daily living needs[3][4].
The main federal programs for low vision in Tennessee are Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). SSDI is for those who have worked and paid Social Security taxes, while SSI is for those with limited income and resources. Both programs require that your vision loss prevents substantial work for at least 12 months. The maximum SSDI payment in 2025 is $4,018 per month, and the maximum SSI payment is $967 per month. Family members may also be eligible for dependent benefits. Individuals approved for SSDI have a 5-month waiting period before payments start, and most must wait 24 months for Medicare, except for those with ALS or end-stage renal disease[2][5][6].
Tennessee offers several programs for individuals with low vision. The Family Support Program provides up to $6,000 per year for services like respite care, home modifications, and personal assistance for families with children or adults with severe disabilities. Tennessee Medicaid waivers can help with home and community-based services for those with low vision. The state also offers food assistance through SNAP, housing help through the Tennessee Housing Development Agency, and free Medicare counseling through TN SHIP. These programs can help supplement federal disability benefits and meet daily living needs[3][4].
Tennessee residents with low vision may qualify for an ABLE account, which allows you to save money without losing eligibility for SSI or Medicaid. ABLE accounts are tax-advantaged savings accounts for individuals with disabilities that began before age 26. Funds can be used for qualified disability expenses, including vision-related needs. Learn more about ABLE accounts and how to open one in Tennessee[internal_link: ABLE Accounts].
For SSI in 2025, the income limit is $967 per month for an individual. For SSDI, there is no strict income limit, but you must not earn more than the SGA limit ($1,620/month for non-blind, $2,700/month for blind). Countable income includes wages, Social Security benefits, and some other sources. State programs like SNAP and Medicaid have their own income limits based on household size and resources[2][5][6].
It’s important to report any changes in your condition, income, or living situation to Social Security and state agencies to avoid overpayments. Overpayments can happen if you work, receive other benefits, or your condition improves. If you receive an overpayment notice, you can request a waiver or set up a repayment plan. Learn more about avoiding overpayments and reporting changes[internal_link: Avoiding Overpayments & Reporting Changes].
Contact your local Social Security office or a Tennessee disability advocate for help with your application. Many organizations offer free assistance to people with low vision.
Yes, low vision can qualify for SSDI or SSI if it prevents you from working for at least 12 months and meets Social Security’s definition of disability. You must provide medical evidence and meet work or income requirements[1][5][6].
The SGA limit for non-blind individuals is $1,620 per month, and for blind individuals, it is $2,700 per month. Earning above these amounts generally disqualifies you from benefits, but work incentives may apply[5][6].
You can apply online at SSA.gov, by phone, or at a local Social Security office. You’ll need to provide medical records, work history, and personal information. State programs can be applied for through local agencies[1][4][7].
Tennessee offers the Family Support Program, Medicaid waivers, SNAP, housing help, and Medicare counseling. These programs can help with daily living needs and supplement federal benefits[3][4].
The state agency may take 6–8 months to decide on your claim. Some conditions may qualify for immediate payments while the agency reviews your case[6].
Yes, family members may be eligible for dependent benefits under SSDI. SSI is for the individual only, but family income is considered for eligibility[5].
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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The Family Support Program provides up to $6,000 per year for services like respite care, home modifications, and personal assistance for families with children or adults with severe disabilities, including low vision[3].
Report changes to Social Security and state agencies to avoid overpayments. You can do this online, by phone, or in person. Learn more about reporting changes and avoiding overpayments[internal_link: Avoiding Overpayments & Reporting Changes].
Yes, Social Security offers work incentives and trial periods that allow you to test your ability to work without immediately losing benefits. Earnings above the SGA limit may affect your eligibility[1][5].
An ABLE account is a tax-advantaged savings account for individuals with disabilities that began before age 26. Tennessee residents with low vision may qualify. Funds can be used for qualified disability expenses[internal_link: ABLE Accounts].
