If you have Bipolar Disorder in Massachusetts, you may qualify for federal Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI), plus state supports. This guide explains eligibility, how to apply, and what benefits you can get in 2025.
To qualify for SSDI, you generally need 40 Social Security credits, with 20 earned in the last 10 years before your disability began. Bipolar Disorder must be severe enough to stop you from working for at least 12 months. The Social Security Administration (SSA) reviews your medical records, job history, and education to decide if you meet their criteria for disability[6].
For SSI, you must have limited income and resources, and your Bipolar Disorder must also meet SSA medical standards. SSI is for people with low income and assets, regardless of work history[4].
In 2025, the SSI federal benefit rate is $967/month for an individual and $1,450/month for a married couple. SSDI payments depend on your past earnings[4].
In Massachusetts, MassAbility Disability Determination Services (DDS) reviews your medical and work history to decide if you qualify for SSDI or SSI. They use doctors and mental health experts to evaluate your Bipolar Disorder and its impact on your ability to work[3].
Massachusetts may add a small state supplement to your SSI payment. You may also qualify for Medicaid waivers (HCBS) if you need extra support at home or in the community[3].
To apply, you’ll need to provide medical records, job history, and details about your income and living situation. DDS may ask for extra exams or information from your providers[3].
Yes, if your Bipolar Disorder is severe enough to stop you from working for at least 12 months, you may qualify for SSDI or SSI. The SSA reviews your medical records and work history to decide[6].
The federal SSI payment in 2025 is $967/month for individuals, $1,450/month for couples. Massachusetts may add a small state supplement[4].
The SGA limit for SSDI in 2025 is $1,620/month for most people, $2,700/month for those who are blind. If you earn more, your benefits may stop[2].
Yes, you must report any changes in income, living situation, or health to the SSA. Not reporting can cause overpayments and penalties[internal_link_overpayments].
Yes, work incentives let you try working without losing benefits right away. The Trial Work Period and Extended Period of Eligibility help you keep benefits while you test your ability to work[2].
SSDI is for people with a work history, SSI is for people with low income and resources. Both can help people with Bipolar Disorder who can’t work[internal_link_ssi_vs_ssdi].
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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Gather your medical records and job history, contact MassAbility DDS, and apply online, by phone, or in person. Report any changes in your income or health[3].
Massachusetts offers Medicaid waivers, state SSI supplements, MassHealth, and other supports for people with Bipolar Disorder[3].
Yes, ABLE accounts let you save money without losing SSI or MassHealth benefits. Funds can be used for housing, education, or other needs[internal_link_able_accounts].
If you get an overpayment, you can ask for a waiver or set up a repayment plan. Always report changes to avoid overpayments[internal_link_overpayments].
