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Massachusetts • Chronic Illness
If you have heart disease in Massachusetts, you may qualify for federal disability benefits like SSI and SSDI, plus state-specific supports. Eligibility depends on your medical condition, work history, and income. This guide explains how to apply and what help is available.
To qualify for Social Security Disability Insurance (SSDI), you must have a medical condition that prevents you from working and have paid enough Social Security taxes (usually 40 credits, with 20 in the last 10 years)[^5]. For Supplemental Security Income (SSI), you need limited income and resources, and your disability must be severe enough to last at least 12 months or result in death[^5]. Heart disease may qualify if it meets Social Security’s listing for cardiovascular disorders or causes marked limitations in daily activities[^5].
In Massachusetts, MassAbility Disability Determination Services (DDS) reviews your medical records, job history, and other evidence to decide if you meet federal disability standards for SSDI or SSI[^1]. DDS uses medical and mental health professionals to evaluate your case. They may request additional exams or information from your doctors, employers, or family[^1]. If you qualify for SSI, Massachusetts may add a small state supplement to your monthly payment[^2]. State programs like Medicaid waivers can also provide extra help with care and services[^4].
ABLE accounts let people with disabilities save money without losing SSI or Medicaid benefits. Massachusetts offers the ABLEnow program. Funds can be used for disability-related expenses like medical care, housing, and education[^3].
For SSI in 2025, the maximum federal payment is $967 per month for an individual and $1450 for a married couple. Massachusetts adds a small state supplement. Income from work, benefits, or other sources may reduce your SSI payment[^2]. SSDI payments depend on your earnings history[^5].
You must report changes in income, living arrangements, or medical status to avoid overpayments. If you receive too much, you may have to repay the excess. Report changes promptly to Social Security or MassAbility DDS[^2].
Contact MassAbility DDS for help with your application. They can answer questions and guide you through the process.
Yes, if your heart disease is severe enough to prevent you from working and meets Social Security’s criteria. You’ll need medical evidence showing your condition lasts at least 12 months or is expected to result in death[^5].
You can apply online at SSA.gov, by phone, or in person. MassAbility DDS will review your medical records and other evidence to decide if you qualify[^1].
You’ll need records showing your diagnosis, treatment, test results, and how your condition affects your daily life. Include reports from cardiologists, hospital stays, and medications[^1].
The maximum federal SSI payment in 2025 is $967 for an individual and $1450 for a couple. Massachusetts adds a small state supplement. Your actual payment depends on your income and living situation[^2].
Yes, Massachusetts offers Medicaid waivers and MassHealth for health coverage. You may also qualify for a state SSI supplement and ABLE accounts for savings[^4].
Yes, but there are limits. For SSI, you can’t earn more than $1,620 a month in 2025 unless you’re blind. SSDI has different rules. Work incentives can help you keep benefits while working[^5].
Disclaimer: This guide is for informational purposes only. Always check with official agencies for the most current rules and eligibility.
It usually takes several months. MassAbility DDS may request more information or exams, so respond quickly to avoid delays[^1].
You can appeal the decision. Ask for a reconsideration, then a hearing if needed. Get help from a disability advocate or attorney if you’re unsure[^1].
Yes, report changes to Social Security or MassAbility DDS to avoid overpayments. This includes changes in income, living arrangements, or medical status[^2].
Yes, children may qualify for SSI if their condition causes marked and severe limitations. Family income and resources are also considered[^3].
