If you have Chronic Fatigue Syndrome in Massachusetts, you may qualify for federal disability benefits (SSI/SSDI) and state Medicaid supports. This guide explains eligibility, how to apply, and key financial tools like ABLE accounts.
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:
Step-by-Step Guide:
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"].
If your SSI or SSDI application is denied, you have 60 days to appeal. Consider getting help from a disability advocate or legal aid organization in Massachusetts.
Massachusetts adds a small supplement to the federal SSI payment, but the exact amount depends on your income and living situation. Always report changes to ensure you get the right amount[2].
Yes, if it severely limits your ability to work for 12+ months. Medical documentation is key for SSI and SSDI approval[4].
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].
Yes, Massachusetts provides a small state supplement to SSI, but the amount varies based on your circumstances[2].
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"].
Yes, up to certain limits. There are special rules (work incentives) to encourage employment for people with disabilities["SSI & SSDI Work Incentives"].
Yes, SSI recipients in Massachusetts automatically qualify for MassHealth (Medicaid)[3].
You have 60 days to appeal. Consider getting help from a disability advocate.
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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It’s a savings account for people with disabilities that doesn’t count against SSI asset limits, up to $100,000["ABLE Accounts"].
Report any changes in income, living situation, or health as soon as they happen to avoid overpayments["Avoiding Overpayments & Reporting Changes"].
Yes, if your family meets income and resource limits and your child’s condition is severe enough[2].
