Liverpool boss Rafa Benitez is currently enduring the most difficult spell of his Anfield tenure following a run of four successive defeats in all competitions.
Benitez's side also face Premier League champions Manchester United on Sunday where a fifth reverse in a row would leave the Reds 10 points adrift of the current leaders.
Questions have been asked about the quality of Benitez's squad, with the potential shortcomings highlighted by the recent absences through injury of Steven Gerrard and Fernando Torres.
And Terry, whose Chelsea side beat Liverpool 2-0 earlier this month, feels the Blues have better options to choose from when key players are missing.
FortunateAsked if Benitez's men will be out of the title race if they lose to United, Terry replied: "I'm not sure, but when Stevie and Torres get injured they seem to be very short in the squad they've got.
"We're very fortunate at Chelsea. Since Roman Abramovich came we have had a lot of strength in depth in the squad, like with Salomon Kalou scoring twice against Atletico (Madrid) with Didier Drogba being out.
"People said we would struggle without Didier, but we didn't. If you take Torres out of their team, who do they bring in? It's difficult.
"We have players that are not here only to make up the numbers, but players that are fighting and working hard every day in training to come in and really prove themselves.
"Salomon seems to always come in and do well. Didier knows that the players behind him are working hard and wanting his place, the same goes for Nico (Anelka). When Salomon comes in and does well, it gives the manager a real problem."