People in Massachusetts with anxiety disorders may qualify for federal Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI). Eligibility depends on medical evidence, work history, and income. Massachusetts also offers state-specific supports and Medicaid waivers.
To qualify for federal disability benefits, your anxiety disorder must be severe enough to prevent you from doing substantial work for at least 12 months. The Social Security Administration (SSA) uses a five-step process to decide eligibility. You must show that your condition is listed in the SSA’s Blue Book or is equally severe. You also need a detailed medical history, including treatment records and statements from mental health providers. For SSDI, you must have worked and paid Social Security taxes for a certain number of years. For SSI, your income and assets must be below strict limits. Both programs require proof that your anxiety disorder stops you from doing your past work or any other job in the national economy.
Source: SSA Disability Qualifications
In Massachusetts, MassAbility Disability Determination Services (DDS) reviews all disability claims. DDS uses over 70 in-house medical and mental health professionals and 300 consultants to evaluate claims. They look at your medical records, job history, education, and statements from providers. Massachusetts does not have its own separate disability program, but it does offer a small state supplement to SSI payments. The state also provides Medicaid waivers for people with disabilities who need extra support. To qualify for state benefits, you must first be approved for federal SSDI or SSI. Massachusetts DDS may request additional medical exams or records to make their decision.
Source: Apply for SSDI or SSI Benefits - Mass.gov
Source: SSA Disability Benefits
ABLE accounts let people with disabilities save money for qualified expenses without losing SSI or Medicaid benefits. In Massachusetts, you can open an ABLE account through the state’s program. The account can be used for education, housing, transportation, and other needs. There are annual and lifetime contribution limits. Earnings grow tax-free, and withdrawals for qualified expenses are not taxed.
Source: Supplemental Security Income Slidedeck 2025
You must report any changes in income, living arrangements, or medical status to avoid overpayments. Overpayments can happen if you earn too much or if your situation changes. If you receive an overpayment, you may have to repay it. You can request a waiver if the overpayment was not your fault. Always report changes as soon as possible to avoid problems.
Contact MassAbility DDS for help with your application. They can answer questions and guide you through the process.
Yes, anxiety disorders can qualify for SSDI or SSI if they are severe enough to prevent you from working for at least 12 months. You must provide medical evidence and meet federal and state eligibility rules.
The 2025 SGA limit is $1,620 per month for non-blind SSDI recipients and $2,700 for blind recipients. Earning above this limit may affect your benefits.
Gather medical records, work history, and contact MassAbility DDS to start your application. You can apply online, by phone, or in person. Submit all required documents and attend any requested exams.
The maximum 2025 SSI payment is $967 per month for individuals and $1,450 for couples. Massachusetts adds a small state supplement to this amount.
Massachusetts offers work incentives like the Extended Period of Eligibility, which lets you work and keep benefits for months when earnings are below the SGA limit. You can also use trial work periods to test your ability to work.
Yes, you must report any changes in income, living arrangements, or medical status to avoid overpayments. Failing to report changes can result in having to repay benefits.
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, most people who receive SSI in Massachusetts also qualify for Medicaid. Medicaid provides health coverage for people with disabilities.
MassAbility DDS reviews all disability claims in Massachusetts. They use medical and mental health professionals to evaluate your records and make a decision on your eligibility.
Massachusetts does not have its own separate disability program, but it does offer a small state supplement to SSI payments and Medicaid waivers for people with disabilities.
The decision time varies, but it can take several months. DDS will notify you by mail when a decision is made. If denied, you can appeal within 60 days.
