Open a Purple account in minutes. Banking built for people with disabilities.
Massachusetts • Rare/Genetic
People with Ehlers-Danlos Syndrome in Massachusetts may qualify for federal and state disability benefits, including SSI, SSDI, Medicaid waivers, and ABLE accounts. Eligibility depends on medical evidence, work history, and financial need. This guide covers how to apply, what benefits are available, and how to manage your case.
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. Supplemental Security Income (SSI) is for those with limited income and resources, regardless of work history. Both programs require medical proof that your Ehlers-Danlos Syndrome prevents you from doing substantial work. The Social Security Administration (SSA) uses a five-step process to decide if your condition meets their definition of disability. You must show that your symptoms are severe enough to stop you from working for at least 12 months or result in death. Medical records, doctor statements, and job history are key parts of your claim. [^1]
For 2025, the maximum SSI payment is $967 per month for an individual and $1,450 for a married couple. SSDI payments vary based on your work history and earnings. The cost-of-living adjustment (COLA) for 2025 is 2.5%, which increases both SSI and SSDI payments. [^2][^3]
In Massachusetts, eligibility for disability benefits is determined by MassAbility Disability Determination Services (DDS). DDS reviews your medical records, job history, education, and other evidence to decide if you qualify for SSDI or SSI. They may also order additional medical exams. Massachusetts pays a small state supplement to SSI recipients, which can increase your monthly payment. The state also offers Medicaid waivers for home and community-based services (HCBS), which can help with care at home or in the community. These waivers have their own eligibility rules, including income and asset limits. [^4][^5]
If you have Ehlers-Danlos Syndrome, you may qualify for these programs if your condition causes severe pain, joint instability, or other symptoms that limit your ability to work or live independently. You must provide detailed medical documentation from your doctors and specialists. Family, friends, and personal acquaintances may also be asked to provide statements about how your condition affects your daily life. [^4]
ABLE accounts let people with disabilities save money for disability-related expenses without losing SSI or Medicaid benefits. In Massachusetts, you can open an ABLE account through the state’s ABLE program. The account can be used for things like medical care, education, housing, and transportation. There are annual and lifetime contribution limits, and the account grows tax-free. [^6]
For SSI in 2025, the maximum payment is $967 for an individual and $1,450 for a married couple. Income is counted in the month it’s received. Earned income (from work) is treated more favorably than unearned income. Massachusetts pays a small state supplement to SSI recipients. Medicaid and Medicaid waiver income limits vary by program and household size. [^3][^4]
You must report changes in your income, living situation, or health to avoid overpayments. This includes changes in work, marriage, or moving. Overpayments can result in repayment or loss of benefits. Use the SSA website or contact MassAbility DDS to report changes. [^4][^5]
Contact MassAbility DDS for help with your application. They can answer questions and guide you through the process.
Yes, if your Ehlers-Danlos Syndrome causes severe symptoms that prevent you from working or living independently, you may qualify for SSDI or SSI. You must provide medical evidence and meet federal and state eligibility rules. [^4][^5]
SSDI is for people who have worked and paid Social Security taxes. SSI is for people with limited income and resources, regardless of work history. Both programs require medical proof of disability. [^2][^3]
For 2025, the maximum SSI payment is $967 for an individual. You can earn some income, but it must be below the SSI income limit. Earned income is treated more favorably than unearned income. [^3]
Medicaid waivers provide home and community-based services for people with disabilities. These can include personal care, home health, and respite care. Eligibility is based on income, assets, and need for services. [^4][^5]
Contact MassAbility DDS to start your application. You can apply online, by phone, or in person. You’ll need to provide medical records, job history, and other evidence. [^4][^5]
An ABLE account lets you save money for disability-related expenses without losing SSI or Medicaid benefits. You can use it for things like medical care, education, housing, and transportation. [^6]
Disclaimer: This guide is for informational purposes only and does not constitute legal or financial advice. Always consult with a qualified professional for your specific situation.
Yes, you must report changes in your income, living situation, or health to avoid overpayments. This includes changes in work, marriage, or moving. [^4][^5]
You need detailed medical records, doctor statements, and test results that show how Ehlers-Danlos Syndrome affects your ability to work or live independently. Family and friends may also provide statements. [^4][^5]
Yes, but there are limits. For SSDI, you can earn up to the Substantial Gainful Activity (SGA) limit, which is $1,470 per month in 2024 and will likely increase in 2025. For SSI, earned income is treated more favorably than unearned income. [^2][^3]
If your application is denied, you can appeal the decision. You have 60 days to file an appeal. You may need to provide more evidence or attend another medical exam. [^4][^5]
