If you have rheumatoid arthritis in Massachusetts, you may qualify for federal and state disability benefits. This guide explains eligibility, how to apply, and what support is available.
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 required work credits (usually 20 credits in the last 10 years)[5]. For Supplemental Security Income (SSI), you must have limited income and resources, and meet the Social Security Administration’s definition of disability[3]. Both programs require medical evidence that your rheumatoid arthritis severely limits your ability to work or perform daily activities[5].
In Massachusetts, eligibility for disability benefits is determined by MassAbility Disability Determination Services (DDS). DDS reviews your medical records, job history, education, and other information to decide if you qualify for SSDI or SSI[2]. If you have rheumatoid arthritis, DDS will look at how your condition affects your ability to work and live independently. Massachusetts also offers extra help through the State Supplement Program (SSP) for those who qualify for SSI, and other programs like Emergency Aid for the Elderly, Disabled and Children (EAEDC) for people with very low income and assets[4].
ABLE accounts let people with disabilities save money without losing benefits. In Massachusetts, you can open an ABLE account to save for disability-related expenses. Learn more about ABLE accounts and how they work[6].
For SSI in 2025, the maximum payment is $967 for an individual and $1,450 for a couple. Income is counted in the month it’s received, and both earned and unearned income affect eligibility[3]. For SSDI, the SGA threshold is $1,620 per month in gross earnings[1].
It’s important to report any changes in your income or condition to SSA. Failure to report can lead to overpayments and penalties. Learn more about avoiding overpayments and reporting changes[1][3].
Contact MassAbility DDS for help with your application. They can guide you through the process and answer your questions[2].
Report any changes in your income or condition to SSA to avoid overpayments and keep your benefits[1][3].
Yes, if your rheumatoid arthritis prevents you from working for at least 12 months, you may qualify for SSDI or SSI. You must meet the medical and financial requirements set by Social Security[5].
In 2025, the maximum SSI payment is $967 for an individual and $1,450 for a couple. Massachusetts may add a small state supplement[3].
Yes, you can work and keep some benefits. The SGA threshold in 2025 is $1,620 per month for most people. Special work incentives let you test your ability to work without losing benefits[1].
SSP is a state program that gives extra cash benefits to people who qualify for SSI. You must apply for SSI first to be eligible for SSP[4].
You can apply for SSDI or SSI online, by phone, or in person. Contact MassAbility DDS for help with the application process[2][5].
EAEDC is a state program that gives cash assistance to people with very low income and assets who are unable to work for at least 60 days due to a medical condition[4].
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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Yes, if you have low income, you may qualify for SNAP (food stamps). Contact DTA at (877) 382-2363 for more information[4].
Medicaid waivers (HCBS) let people with disabilities get home and community-based services instead of living in institutions. Learn more about Medicaid waivers and how to apply[6].
Report any changes in your income or condition to SSA as soon as possible. This helps prevent overpayments and penalties[1][3].
Yes, if you became disabled before age 26, you can open an ABLE account to save for disability-related expenses without losing benefits[6].
