People with arthritis in Massachusetts may qualify for federal and state disability benefits, including SSI, SSDI, Medicaid waivers, and ABLE accounts. Eligibility depends on medical severity, income, and work history. This guide explains how to apply and what supports are available.
To qualify for Social Security Disability Insurance (SSDI), you must have worked in jobs covered by Social Security, have a disability that prevents you from working for at least 12 months, and meet the Social Security Administration’s work credit requirements (usually 20 credits in the last 10 years)[^1]. For Supplemental Security Income (SSI), you must have limited income and resources, and your disability must result in marked and severe functional limitations[^2]. Both programs require medical proof that your arthritis severely limits your ability to work or perform daily activities[^3].
In Massachusetts, the Disability Determination Services (DDS) reviews your medical records and decides if you meet federal disability standards for SSDI or SSI. DDS uses over 70 in-house and 300 statewide medical consultants to make decisions quickly[^4]. If approved, Massachusetts adds a small state supplement to your SSI payment. Periodic reviews are done to check if you still qualify. DDS also offers special outreach for people without homes or with HIV[^4].
ABLE accounts let people with disabilities save money without losing SSI or Medicaid benefits. You can use funds for qualified disability expenses like medical care, housing, and education. Massachusetts offers its own ABLE program with state tax benefits[^6].
If your income or living situation changes, you must report it to Social Security. Failing to report can lead to overpayments and penalties. Use the official reporting tools to avoid issues[^6].
MassAbility’s DDS offers special outreach for people without homes or with HIV. Call their Boston or Worcester office for help with your application or appeal.
Yes, if your arthritis severely limits your ability to work or perform daily activities, you may qualify for SSDI or SSI. You’ll need medical proof and must meet income and work history requirements[^2][^3].
The maximum 2025 SSI payment is $967 for an individual and $1,450 for a married couple. Massachusetts adds a small state supplement to this amount[^2].
Yes, you must report any changes in income or living situation to Social Security. Not reporting can lead to overpayments and penalties[^6].
A Medicaid waiver helps people with disabilities live in the community instead of institutions. It covers services like home care and personal assistance[^6].
Yes, there are work incentives that let you keep benefits while working. These include trial work periods and continued Medicaid coverage[^6].
Call Social Security at 1-800-772-1213 or visit their website. You’ll need to provide medical records and proof of income. MassAbility’s DDS reviews your case[^4].
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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An ABLE account is a tax-advantaged savings account for people with disabilities. Funds can be used for qualified expenses without losing SSI or Medicaid benefits[^6].
Periodic reviews are done to check if you still qualify. The frequency depends on your condition and how likely it is to improve[^4].
Yes, children with severe arthritis may qualify for SSI if their condition results in marked and severe functional limitations. Family income is also considered[^3].
You can appeal within 60 days. MassAbility’s DDS handles appeals and may schedule a hearing to review your case[^4].
