Chronic Fatigue Syndrome: Disability Benefits in Massachusetts

For both SSI and SSDI, you must have a medical impairment (like Chronic Fatigue Syndrome) that severely limits your ability to work for at least 12 months or is expected to result in death[4]. SSDI requires a work history and enough Social Security credits, while SSI is based on limited income and resources, regardless of work history[4]. Both programs require strong medical documentation showing your condition prevents you from working. If you have a child with Chronic Fatigue Syndrome, they may qualify for SSI if your family meets income and resource limits.

Massachusetts Disability Determination Services (DDS) evaluates SSI and SSDI claims using in-house and local medical professionals[1]. DDS reviews your job history, education, medical records, and may request exams by their panel of doctors[1]. Massachusetts also provides a small state supplement to the federal SSI payment, but payment amounts depend on your income, living situation, and marital status[2]. For Medicaid, both SSI recipients and people with disabilities who meet income limits can qualify. For specifics, check the MassHealth website or consult official chart resources[3].

How to start:

• Gather your medical records, work history, and proof of income.
• Apply for SSI/SSDI online, by phone, or in person at a Social Security office[1].
• For state Medicaid, apply through the MassHealth website[3].
• Keep track of deadlines and follow up on your application status.

Step-by-Step Guide:

1. Prepare Your Documents: Collect medical records, doctors’ notes, work history for the last 15 years, education records, and proof of income/assets (for SSI)[1].
2. Apply Online or by Phone: Start your SSI or SSDI application at ssa.gov, or call Social Security at 1-800-772-1213. For SSI, you can also apply at your local Social Security office[1].
3. Submit Medical Evidence: Massachusetts DDS will review your application and may request more medical exams by their doctors[1]. Complete any forms or exams quickly to avoid delays.
4. State Supplement and Medicaid: If you qualify for SSI, Massachusetts adds a small state supplement[2]. Also, apply for MassHealth (Medicaid) through the state website or by phone[3].
5. Follow Up: Check your application status regularly. Report changes in your condition, income, or living situation right away to avoid overpayments or lost benefits.
6. Consider ABLE Accounts: Massachusetts residents can open an ABLE account to save money without affecting SSI eligibility["All benefits in your state"].
7. Appeals: If denied, you have 60 days to appeal. Get help from a disability advocate if needed.

SSI (Supplemental Security Income): Pays up to $967/month (2025) to individuals with disabilities and limited income/resources, with some earned income allowed under work incentives[2]. SSDI (Social Security Disability Insurance): Based on your work credits; payments depend on your earnings record[4]. Both require medical proof that Chronic Fatigue Syndrome prevents you from working.

Massachusetts provides a small state supplement to the federal SSI payment, but the amount depends on your income and living situation[2]. MassHealth (Medicaid): If you qualify for SSI, you automatically get MassHealth. Others with disabilities can apply separately if they meet income limits[3]. Home and Community-Based Services (HCBS) Waivers: Massachusetts offers MassHealth waivers for people who need long-term services at home or in the community—ask a MassHealth worker about HCBS options if you need daily help["Medicaid Waivers (HCBS)"]. State Disability Services can help connect you to local resources and support.

ABLE Accounts: Massachusetts residents with disabilities (including Chronic Fatigue Syndrome) can open an ABLE account, which lets you save up to $100,000 without affecting SSI eligibility. Earnings on your savings are tax-free. Use these accounts for disability-related expenses—more info at our ABLE Accounts guide["ABLE Accounts"].

For SSI in 2025, individuals can receive up to $967/month, but your actual payment is reduced if you have other income[2]. SSI counts most income, including from work, but earned income is treated more favorably. For MassHealth, income limits vary by program; check the official chart for details[3].

You must report changes in income, living situation, or medical condition to Social Security and MassHealth to avoid overpayments[2]. Overpayments must be paid back. For help, see our guide on avoiding overpayments and reporting changes["Avoiding Overpayments & Reporting Changes"].

• MassAbility Disability Determination Services (DDS) – Boston
  Phone: 617-727-1600 or 617-654-7485

  Website

  Main office for disability determinations in Massachusetts
• MassAbility Disability Determination Services (DDS) – Worcester
  Phone: 508-752-5001 or 1-800-551-5532 (toll free)

  Website

  Alternative office for disability determinations in Massachusetts

• Is Chronic Fatigue Syndrome considered a disability in Massachusetts?

  Yes, if it severely limits your ability to work for 12+ months. Medical documentation is key for SSI and SSDI approval[4].

• How do I apply for SSI or SSDI in Massachusetts?

  You can apply online, by phone, or in person. Gather medical records and work history first. Massachusetts DDS will review your claim and may request more exams[1].

• Does Massachusetts add to the federal SSI payment?

  Yes, Massachusetts provides a small state supplement to SSI, but the amount varies based on your circumstances[2].

• Is there a difference between SSI and SSDI for Chronic Fatigue Syndrome?

  Yes. SSDI requires work credits; SSI is for those with limited income and resources, regardless of work history. See our SSI vs SSDI guide for details["SSI vs SSDI"].

• Can I work and still get SSI or SSDI?

  Yes, up to certain limits. There are special rules (work incentives) to encourage employment for people with disabilities["SSI & SSDI Work Incentives"].

• Will I get MassHealth if I qualify for SSI?

  Yes, SSI recipients in Massachusetts automatically qualify for MassHealth (Medicaid)[3].

• What happens if my application is denied?

  You have 60 days to appeal. Consider getting help from a disability advocate.