People with Cystic Fibrosis in Massachusetts may qualify for federal and state disability benefits, including SSI, SSDI, Medicaid waivers, and ABLE accounts. Eligibility depends on medical status, income, and work history. This guide explains how to apply and what support is available.
To qualify for Social Security Disability Insurance (SSDI), you generally need 40 work credits, with 20 earned in the last 10 years before your disability began. For Supplemental Security Income (SSI), eligibility is based on limited income and resources, and you must meet the Social Security Administration’s definition of disability. For children, SSI considers both the child’s and household’s income and resources. Cystic Fibrosis may qualify if it results in marked and severe functional limitations, as defined by SSA rules[6].
In 2025, the SGA limit for non-blind individuals is expected to be around $1,620 per month, and $2,700 for blind individuals. Earning above these limits may affect eligibility[4].
In Massachusetts, eligibility for SSI and SSDI is determined by MassAbility Disability Determination Services (DDS). DDS reviews medical records, job history, education, and information from healthcare providers, mental health professionals, and family members. Massachusetts also pays a small state supplement to SSI payments, increasing the total benefit amount for eligible residents[3].
For Medicaid waivers, eligibility is based on functional need, income, and assets. People with Cystic Fibrosis may qualify for Home and Community-Based Services (HCBS) waivers if they need ongoing support with daily living activities. The Massachusetts Department of Developmental Services (DDS) and MassHealth manage these programs[5].
ABLE accounts let people with disabilities save money for disability-related expenses without losing eligibility for SSI and other benefits. Massachusetts offers ABLE accounts, and contributions are tax-free. Withdrawals for qualified expenses are also tax-free[7].
It is important to report any changes in income, living arrangements, or medical status to avoid overpayments. Overpayments can result in repayment demands or benefit reductions. Use the SSA’s online portal or contact your local office to report changes[6].
Contact MassAbility DDS for help with your application. They can guide you through the process and answer questions about eligibility and required documents[2].
Consider opening an ABLE account to save for disability-related expenses without losing eligibility for SSI and other benefits[7].
Yes, if Cystic Fibrosis causes marked and severe functional limitations, you may qualify for SSI or SSDI. Eligibility depends on medical evidence, income, and work history. Contact MassAbility DDS for a determination[2][6].
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 to these amounts[3].
Contact MassAbility DDS to start your application. You can apply online, by phone, or in person. Submit medical records, job history, and other required documents[2].
Medicaid waivers provide home and community-based services for people with disabilities who need ongoing support. Services may include personal care, respite care, and home modifications[5].
Yes, but there are income limits. In 2025, the SGA limit is expected to be around $1,620 per month for non-blind individuals. Earning above this limit may affect your benefits[4].
An ABLE account lets people with disabilities save money for disability-related expenses without losing eligibility for SSI and other benefits. Massachusetts offers ABLE accounts[7].
This guide is for informational purposes only and is not legal or financial advice. Always consult with a qualified professional for personalized guidance.
Join thousands of families who trust Purple to protect their benefits
Purple is a financial technology company, not a bank. Banking services are provided by OMB Bank, Member FDIC.
MassAbility DDS reviews medical records, job history, education, and information from healthcare providers and family members to determine eligibility for SSI and SSDI[2].
You must report any changes in income to avoid overpayments. Overpayments can result in repayment demands or benefit reductions[6].
Yes, if a child’s Cystic Fibrosis causes marked and severe functional limitations, they may qualify for SSI. The child’s and household’s income and resources are considered[4].
If your application is denied, you can appeal within 60 days. Contact MassAbility DDS for instructions on how to appeal[2].
