If you have chronic pain in Massachusetts, you may qualify for federal disability benefits like SSDI or SSI, plus state supports. Eligibility depends on your work history, income, and medical evidence. This guide explains how to apply, what benefits are available, and where to get help.
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 work credit requirement (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 meet Social Security’s definition[^2]. Both programs require medical proof that your chronic pain is severe enough to stop you from doing substantial work[^1][^2].
In Massachusetts, eligibility for SSDI and SSI is determined by MassAbility Disability Determination Services (DDS)[^3]. DDS reviews your medical records, job history, education, and may require additional exams. They also consider input from your doctors, mental health providers, and sometimes family or friends. If you have chronic pain, DDS will look at how it limits your ability to work, including physical and mental effects. Massachusetts also offers Medicaid waivers and other supports for people with disabilities who meet income and functional criteria[^4].
ABLE accounts let people with disabilities save money without losing SSI or Medicaid benefits. Massachusetts offers the ABLEnow program. You can save up to $17,000 per year (2025 limit) and use funds for qualified disability expenses[^8].
You must report changes in income, living situation, or health to SSA. Failing to report can cause overpayments, which you may have to repay. Use the SSA online portal or call your local office to report changes[^5].
MassAbility DDS and local legal aid groups can help you gather documents and fill out forms. Don’t hesitate to ask for help.
Yes, if your chronic pain is severe enough to prevent you from working for at least 12 months and is supported by medical evidence, you may qualify for SSDI or SSI in Massachusetts[^1][^2].
The maximum federal SSI payment in 2025 is $967 for an individual and $1,450 for a married couple. Massachusetts adds a small state supplement[^7].
The SGA limit for SSDI is expected to increase in 2025 due to inflation. In 2024, it was $1,470/month for non-blind individuals. Check SSA.gov for the latest 2025 figure[^6].
You can apply online at SSA.gov, by phone, or in person. MassAbility DDS reviews your claim and may require additional medical exams or documentation[^3].
You need medical records, treatment notes, pain assessments, and any imaging or specialist reports that show how your chronic pain limits your ability to work[^1][^3].
Yes, Massachusetts offers Medicaid waivers, a state SSI supplement, ABLE accounts, and other supports for people with disabilities who meet income and functional criteria[^4][^7][^8].
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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Most initial decisions take 3–6 months, but it can take longer if more information is needed or if you appeal[^3].
Yes, but your earnings must stay below the SGA limit. SSDI and SSI have work incentives to help you try working without losing benefits[^6][5].
You can appeal within 60 days. The appeals process includes reconsideration, a hearing, and review by the Appeals Council[^1].
You don’t need a lawyer, but many people find it helpful, especially if their claim is complex or denied. Legal aid and nonprofit groups can help[^4].
