People with schizophrenia in Massachusetts can get financial help through federal programs like SSI and SSDI, plus state supports such as Medicaid waivers and ABLE accounts. Eligibility depends on income, work history, and medical proof. This guide explains how to apply and what benefits are available in 2025.
To get Social Security Disability Insurance (SSDI), you must have worked in jobs covered by Social Security, have a disability that stops you from working for at least 12 months, and meet the work credit rule (usually 20 credits in the last 10 years)[^1]. For Supplemental Security Income (SSI), you must have low income and limited resources, and your disability must meet Social Security’s definition[^2]. Schizophrenia is listed in the Social Security Blue Book under mental disorders, so it can qualify if symptoms are severe enough[^3].
In Massachusetts, eligibility for SSI and SSDI is decided by MassAbility Disability Determination Services (DDS). DDS reviews your medical records, job history, education, and other evidence to decide if you qualify[^4]. Massachusetts also pays a small state supplement to SSI recipients, which can increase your monthly payment[^5]. If you have schizophrenia, you may also qualify for Medicaid waivers that help pay for community-based services like supported housing or therapy[^6].
ABLE accounts let people with disabilities save money without losing SSI or Medicaid benefits. You can use the funds for housing, education, transportation, and other needs. Massachusetts offers the ABLEnow program[^12].
You must report changes in income, living situation, or health to avoid overpayments. If you get too much money, you may have to pay it back. Report changes online, by phone, or in person at your local Social Security office[^8].
Contact MassAbility DDS for help with your application. They can answer questions and guide you through the process.
Yes, schizophrenia can qualify for SSI or SSDI if it stops you from working for at least 12 months and meets Social Security’s medical criteria. You’ll need medical proof and may be reviewed by MassAbility DDS[^1][^4].
The maximum federal SSI payment in 2025 is $967/month for individuals, $1,450 for couples. Massachusetts adds a small state supplement, so your total may be higher[^5].
The SGA limit is the most you can earn and still get SSDI. In 2024, it was $1,470/month for non-blind people. It will likely be higher in 2025 due to inflation[^1].
Apply online at SSA.gov, by phone, or in person. MassAbility DDS will review your case and decide if you qualify. You’ll need medical records and work history[^4][^7].
MassAbility DDS is the state agency that reviews disability claims and decides eligibility for SSI and SSDI in Massachusetts. They use medical and mental health experts to make decisions[^4].
Yes, but there are limits. You can’t earn more than the SGA limit for SSDI. SSI treats earned income more favorably than unearned income. Work incentives can help you keep benefits while working[^1][^3].
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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A Medicaid waiver helps pay for community-based services like supported housing, therapy, and job coaching for people with schizophrenia. These waivers are available in Massachusetts through MassHealth[^6].
Report changes in income, living situation, or health to Social Security. If you don’t report changes, you may get too much money and have to pay it back[^8].
An ABLE account is a tax-advantaged savings account for people with disabilities. You can use it for housing, education, transportation, and other needs without losing SSI or Medicaid benefits[^12].
You can get help from MassAbility DDS, local Social Security offices, or nonprofit groups like Work Without Limits. They can guide you through the process and answer questions[^4][^11].
