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Massachusetts • Speech/Language
People with aphasia in Massachusetts may qualify for Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI), plus state supports like Medicaid waivers and ABLE accounts. This guide explains eligibility, how to apply, and what benefits are available in 2025.
To qualify for Social Security Disability Insurance (SSDI), you must have a disability that prevents you from working for at least 12 months and have paid into Social Security through work credits. For Supplemental Security Income (SSI), you must have limited income and resources, and your disability must meet Social Security’s definition. Aphasia can qualify if it severely limits your ability to communicate and work. The Social Security Administration (SSA) reviews medical records, job history, and other evidence to decide eligibility.
SSA: How to Qualify for Disability
In Massachusetts, eligibility for disability benefits is determined by MassAbility Disability Determination Services (DDS). DDS uses medical and mental health professionals to review your case. They look at your job history, education, medical records, and any other relevant information. For aphasia, DDS will consider how your communication difficulties affect your ability to work and perform daily activities. Massachusetts also offers Medicaid waivers and other state supports for people with disabilities, which may provide extra help with healthcare, housing, and daily living.
ABLE accounts let people with disabilities save money without losing SSI or Medicaid benefits. In Massachusetts, you can open an ABLE account to save for disability-related expenses. The account grows tax-free, and withdrawals for qualified expenses are not taxed. There are annual and lifetime contribution limits.
SSA: SGA Thresholds 2025 SSA: SSI Payment Rates 2025
You must report any changes in your income, living situation, or medical condition to avoid overpayments. If you receive too much money, you may have to pay it back. Report changes as soon as possible to avoid penalties. Keep records of all reports and communications with Social Security.
Contact MassAbility DDS for help with your application. They can answer questions and guide you through the process.
You can test employment without losing benefits. The Trial Work Period and Extended Period of Eligibility let you work and still receive benefits if your earnings are below the SGA limit.
Yes, aphasia can qualify for SSDI or SSI if it prevents you from working for at least 12 months. The Social Security Administration reviews medical evidence and how your condition affects your daily life and ability to work.
The maximum federal SSI payment in 2025 is $967 per month for individuals and $1,450 for couples. Massachusetts may add a small state supplement.
In 2025, the SGA limit is $1,620 per month for most SSDI recipients and $2,700 for those who are blind. Earning above this limit may affect your benefits.
Yes, you must report any changes in your income, living situation, or medical condition to avoid overpayments. Report changes as soon as possible to prevent penalties.
Work incentives let you test employment without losing benefits. The Trial Work Period and Extended Period of Eligibility allow you to work and still receive benefits if your earnings are below the SGA limit.
Gather medical records and job history, contact MassAbility DDS, complete the application, and submit all required documents. You can apply online, by phone, or in person.
Disclaimer: This guide is for informational purposes only and does not constitute legal or financial advice. Always consult with a qualified professional for personalized guidance.
SSDI is for people who have worked and paid into Social Security. SSI is for people with limited income and resources, regardless of work history. Both programs provide monthly payments for people with disabilities.
Yes, if you qualify for SSI or have very low income, you may be eligible for Medicaid. Medicaid provides health insurance for people with disabilities.
An ABLE account is a tax-advantaged savings account for people with disabilities. It lets you save money without losing SSI or Medicaid benefits, and funds can be used for disability-related expenses.
If you earn above the SGA limit, your SSDI benefits may be suspended. For SSI, your payment may be reduced or stopped. Report changes in income to avoid overpayments.
