The 27 years I've known them have been punctuated by my saying "what if you do this to solve your current issue" and the reply is "I'll lose my benefits"
I'm unfit to say if they need it; as in I am unsure if their life would be worse or better without.
Don't read too much into the setup, above; my memory is fuzzy unless I am directly talking to them about it, and even so they correct me like, "its not ssi it's ssdi," or whatever it is. This is to +1 with an anecdote.