Benefits Planning and the Student in Transition  Beyond Expectations Presentation by: Health & Disability Advocates Childr...
Goals for Session <ul><li>Introduction to Transition Planning </li></ul><ul><li>Review of Healthcare as part of planning <...
Transition Planning  Begins at age 14 1/2 <ul><li>Federal law requires that schools work with students and their families ...
Benefits Planning as it Relates to Transition Planning <ul><li>Accessing benefits can be a bridge to greater independence....
Healthcare <ul><li>Medicaid </li></ul><ul><li>Medicare   – applicable might be when: </li></ul><ul><ul><li>Transition age ...
Illinois All Kids <ul><li>IL Legislature just passed bill; Governor will probably sign to cap All Kids at 300% FPL on July...
Adult Medicaid <ul><li>State-based (generally not transportable out of IL) </li></ul><ul><li>Eligibility    DIFFERENT cri...
Adult Medicaid: Asset Limits <ul><li>If you are single, your countable assets must be $2,000 or less. If you are married, ...
<ul><li>Illinois Pre-Existing Condition Insurance Plan </li></ul><ul><ul><li>Transitional insurance for state residents </...
<ul><li>Illinois Comprehensive Health Insurance Program </li></ul><ul><ul><li>State option, if you can afford it  </li></u...
Waiver Programs & Support Services <ul><li>Waiver Programs  – state-specific carved out exceptions for Medicaid qualificat...
<ul><li>Now effective (Federal Reform) :  </li></ul><ul><ul><li>Children can stay on parents insurance until age 26. </li>...
<ul><li>FACTS </li></ul><ul><ul><li>19 year old, female </li></ul></ul><ul><ul><ul><li>6 months past turning 19 </li></ul>...
<ul><li>Questions? </li></ul><ul><li>www.Illinoishealthmatters.org   </li></ul><ul><li>(live 9am, 2/1/11) </li></ul>Insura...
Age 18 Redetermination for Supplemental Security Income <ul><li>Before age 18, SSA looks at child’s ability to function in...
SSI Disability Determination <ul><li>Child Disability Standard </li></ul><ul><li>INCOME : Under 18 years old, parents inco...
Three Ways to Apply - SSA <ul><li>Visit the local office  – see office locator at  https://s044a90.ssa.gov/apps6z/FOLO/fo0...
Two Disability Cash Programs <ul><li>Supplemental Security Income (SSI) </li></ul><ul><ul><li>Strict income and resource l...
Supplemental Security Income <ul><li>2011 SSI Amount $674  </li></ul><ul><ul><li>Payment can vary based on living arrangem...
SSA and Medicaid <ul><li>Apply at local Family Community Resource Center (formerly Public Aid)  www.dhs.state.il.us/office...
Social Security Disability Insurance <ul><li>Childhood Disability Beneficiary </li></ul><ul><li>Adults (18 and older) havi...
Benefits Summary Questions?
Employment as a Transition Goal <ul><li>Work Incentives differ among programs </li></ul><ul><li>Very important to understa...
SSI Work Incentives <ul><li>Earned Income Exclusion </li></ul><ul><li>Student Earned Income Exclusion </li></ul><ul><li>PA...
Supplemental Security Income and Employment <ul><li>SSI and earnings are calculated with a formula.  These deductions are ...
SSI Earned Income Calculation <ul><li>Bob is working and has gross earnings of $900 per month  </li></ul><ul><li>$900 - $8...
Student Earned Income Exclusion <ul><li>Under age 22 and in school </li></ul><ul><ul><li>High School </li></ul></ul><ul><u...
Plan for Achieving Self Support <ul><li>PASS allows you to set aside income and/or resources for a specified time for a wo...
Medicaid - 1619 <ul><li>1619(a) –  When gross earnings are over $1,000/month in 2011 – free Medicaid </li></ul><ul><li>161...
SSDI and/or  Childhood Disability Beneficiary <ul><li>Trial Work Period (TWP)  $720 (2011)  </li></ul><ul><li>Extended Per...
Subsidies and IRWE’s <ul><li>Can be used in determining eligibility, as work incentives to reduce countable income and in ...
Dependent Benefits are Different! <ul><li>Dependent benefits are not based on disability.  </li></ul><ul><li>Above $14,160...
Expedited Reinstatement of Benefits <ul><li>EXR applies to both SSI and SSDI. </li></ul><ul><li>When  case has been closed...
Ticket to Work <ul><li>Three main components: </li></ul><ul><ul><ul><ul><li>Ticket to Work </li></ul></ul></ul></ul><ul><u...
Other Considerations <ul><li>When individuals work and pay into FICA taxes, credits are earned toward Social Security Admi...
SSDI and Medicaid <ul><li>Medicaid income limit as of January 2011 = $933/monthly </li></ul><ul><li>If work income is abov...
Medicaid: Health Benefits for Workers with Disabilities <ul><li>Workers with Disabilities - age 16 to under 65 </li></ul><...
Contact Information <ul><li>Marsie Frawley </li></ul><ul><li>Senior Policy Analyst </li></ul><ul><li>312-265-9069 (v) </li...
Upcoming SlideShare
Loading in …5
×

Health Insurance and Benifits Planning for Students in Transition

457 views
387 views

Published on

A presentation give at Children's Memorial Hospital, Jan 31, 2011, for young adults with chronic illness or disabilities and their families.

Published in: Health & Medicine
0 Comments
1 Like
Statistics
Notes
  • Be the first to comment

No Downloads
Views
Total views
457
On SlideShare
0
From Embeds
0
Number of Embeds
3
Actions
Shares
0
Downloads
0
Comments
0
Likes
1
Embeds 0
No embeds

No notes for slide
  • Medicare: also covers those under 65 with Lou Gehrig’s disease or dialysis for end stage renal disease
  • NOTE: Children over 200% FPL must also meet uninsured requirement.
  • Full List: Your home Your personal belongings and household goods of reasonable value Certain resources up to a limit of $6,000 that you use to earn income. One automobile if the fair market value is no more than $4,500 or if someone in your family needs it to get to work or uses it to get regular medical treatment Life insurance policies with a total face value of $1,500 or less and all term life insurance policies Certain funds set aside for burial expenses Certain other assets that occur infrequently
  • uninsured for 6 months: means that they cannot have had AllKids or any insurance in the 6 months prior to applying for IPXP including having met spenddown*)
  • NOTES: premiums vary by gender, age, geographic region, &amp; deductible No denial based on pre-existing conditions
  • ICHIP did not come from group insurance SSI/Medicaid: probably not eligible, regardless of income probably would not meet adult disability criteria allowed SGA = $1000/month she DID work  around $2400/month even if she could meet Adult SSI standard, would take a long time to meet the adult disability criteria HIGH RISK POOL: IPXP was asking for a letter that she was uninsurable (in lieu of insurance rejections) Letter describe diagnosis Need of Treatment – especially that future treatment includes multiple expensive surgeries
  • Can reduce income contributing to SGA if: Impairment-related work expenses, or The work is “subsidized” (i.e. employee is being paid more than the work is worth)
  • Health Insurance and Benifits Planning for Students in Transition

    1. 1. Benefits Planning and the Student in Transition Beyond Expectations Presentation by: Health & Disability Advocates Children’s Memorial Hospital, January 31 st , 2011
    2. 2. Goals for Session <ul><li>Introduction to Transition Planning </li></ul><ul><li>Review of Healthcare as part of planning </li></ul><ul><li>Introduction to SSA Disability Cash Programs and their healthcare programs </li></ul><ul><li>Employment as a transition goal </li></ul><ul><li>Work incentives available </li></ul>
    3. 3. Transition Planning Begins at age 14 1/2 <ul><li>Federal law requires that schools work with students and their families on goals for transition </li></ul><ul><li>A Transition Plan is a separate plan from the Individual Education Plan (IEP) – though can be incorporated into an IEP </li></ul><ul><li>Some components of the Transition Plan: Independent living; self advocacy; health-care, employment; and benefits </li></ul>
    4. 4. Benefits Planning as it Relates to Transition Planning <ul><li>Accessing benefits can be a bridge to greater independence. </li></ul><ul><li>Accessing benefits does not necessarily mean a lifetime of poverty. </li></ul><ul><li>Can lead students to think about working, becoming a tax payer and consumer! </li></ul><ul><li>Once benefits are accessed, learn the work incentives! </li></ul>
    5. 5. Healthcare <ul><li>Medicaid </li></ul><ul><li>Medicare – applicable might be when: </li></ul><ul><ul><li>Transition age adult works and pays into the FICA system OR parent becomes disabled, retires or dies </li></ul></ul><ul><ul><li>There is a 24 month waiting period from date of entitlement </li></ul></ul><ul><ul><li>For patients with ALS (Lou Gehrig’s Disease) and dialysis for end stage renal disease </li></ul></ul><ul><li>Private Insurance </li></ul><ul><ul><li>Group plans – can stay on parents till age 26 (health care reform) </li></ul></ul><ul><ul><li>Individual plans </li></ul></ul><ul><ul><ul><li>Exchange options under health care reform (2014) </li></ul></ul></ul><ul><ul><ul><li>High risk pool – IPXP </li></ul></ul></ul><ul><ul><ul><li>ICHIP – if family can afford & child transitioning off group insurance </li></ul></ul></ul>
    6. 6. Illinois All Kids <ul><li>IL Legislature just passed bill; Governor will probably sign to cap All Kids at 300% FPL on July 1, 2011. Current enrollees grandfathered in only until July 1, 2012 </li></ul><ul><li>All Kids coverage = Children’s Medicaid/Medical Card </li></ul><ul><li>Covers children from birth up until their 19 th birthday. www.allkids.com FAQs </li></ul><ul><li>Immigration status not a factor </li></ul><ul><li>Some parents pay monthly premiums for the coverage based on family size and income. </li></ul><ul><li>Extensions to Adults </li></ul><ul><ul><li>Moms & Babies : pregnant women covered until 60 days postpartum </li></ul></ul><ul><ul><li>Family Care : parents of children under 18 years old may be eligible to receive health insurance coverage too </li></ul></ul>
    7. 7. Adult Medicaid <ul><li>State-based (generally not transportable out of IL) </li></ul><ul><li>Eligibility  DIFFERENT criteria from All Kids </li></ul><ul><ul><li>Categories </li></ul></ul><ul><ul><ul><li>65 or older </li></ul></ul></ul><ul><ul><ul><li>Blind </li></ul></ul></ul><ul><ul><ul><li>Permanent disability (SSA criteria) </li></ul></ul></ul><ul><ul><ul><li>Pregnant or parent of child under 19 </li></ul></ul></ul><ul><ul><ul><li>Cervical or breast cancer patient </li></ul></ul></ul><ul><ul><li>Needs based (income & assets) </li></ul></ul><ul><ul><li>Citizenship/immigration status </li></ul></ul>
    8. 8. Adult Medicaid: Asset Limits <ul><li>If you are single, your countable assets must be $2,000 or less. If you are married, your assets combined with your spouse’s assets must be equal to or less than $3,000. </li></ul><ul><li>Examples of items that are exempt (Not counted when deciding the value of your assets) </li></ul><ul><ul><li>Your home </li></ul></ul><ul><ul><li>One automobile if the fair market value is no more than $4,500 or if someone in your family needs it to get to work or uses it to get regular medical treatment </li></ul></ul>
    9. 9. <ul><li>Illinois Pre-Existing Condition Insurance Plan </li></ul><ul><ul><li>Transitional insurance for state residents </li></ul></ul><ul><ul><li>Must pay premiums & out-of-pocket costs </li></ul></ul><ul><li>To enroll, a person must: </li></ul><ul><ul><li>Be a U.S. citizen, national, or legal resident </li></ul></ul><ul><ul><li>Be uninsured for 6 months </li></ul></ul><ul><ul><li>Have a preexisting condition. </li></ul></ul><ul><li>Premiums & Cost-sharing vary. See http://insurance.illinois.gov/IPXP/ for premium levels </li></ul>IPXP: The High Risk Pool
    10. 10. <ul><li>Illinois Comprehensive Health Insurance Program </li></ul><ul><ul><li>State option, if you can afford it </li></ul></ul><ul><ul><ul><li>Premiums expensive http://www.chip.state.il.us/rateinq.nsf/inquiry?openform </li></ul></ul></ul><ul><li>Eligibility </li></ul><ul><ul><li>U.S. citizen or legal resident </li></ul></ul><ul><ul><li>An Illinois resident for at least 180 days. </li></ul></ul><ul><ul><li>Either </li></ul></ul><ul><ul><ul><li>Uninsurable due to preexisting medical condition; or </li></ul></ul></ul><ul><ul><ul><li>Insured under a policy that is similar to ICHIP but costs more than you would pay for ICHIP coverage; </li></ul></ul></ul>ICHIP
    11. 11. Waiver Programs & Support Services <ul><li>Waiver Programs – state-specific carved out exceptions for Medicaid qualification for adults who might not otherwise be eligible for Medicaid </li></ul><ul><li>Individual may only be on one of these waiver programs at one time </li></ul><ul><li>Options: </li></ul><ul><ul><li>IL Adult Waiver: Developmental Disabilities </li></ul></ul><ul><ul><li>Home Services Program </li></ul></ul><ul><ul><ul><li>Division of Specialized Care for Children (DSCC) – up to age 21 </li></ul></ul></ul>
    12. 12. <ul><li>Now effective (Federal Reform) : </li></ul><ul><ul><li>Children can stay on parents insurance until age 26. </li></ul></ul><ul><ul><li>Minors cannot be denied for pre-existing conditions </li></ul></ul><ul><li>In 2014 : </li></ul><ul><ul><li>No longer need a disability determination for Adult Medicaid eligibility. </li></ul></ul><ul><ul><li>Adults cannot be denied coverage for pre-existing conditions </li></ul></ul><ul><li>IL Medicaid Reform : </li></ul><ul><ul><li>No more new applicants to All Kids over 300% FPL </li></ul></ul><ul><ul><li>Current All Kids recipients over 300% FPL will be grandfathered in until 2012 only. </li></ul></ul>Impact of Health Care Reform
    13. 13. <ul><li>FACTS </li></ul><ul><ul><li>19 year old, female </li></ul></ul><ul><ul><ul><li>6 months past turning 19 </li></ul></ul></ul><ul><ul><li>Medical History: ulcerative colitis. </li></ul></ul><ul><ul><ul><li>Had total abdominal collectomy and ilostomy done in past. </li></ul></ul></ul><ul><ul><ul><li>2 future surgeries to complete treatment </li></ul></ul></ul><ul><ul><li>Insurance History </li></ul></ul><ul><ul><ul><li>Was on All Kids, never on group insurance </li></ul></ul></ul><ul><ul><ul><li>Parents uninsured </li></ul></ul></ul><ul><ul><li>Income </li></ul></ul><ul><ul><ul><li>In college </li></ul></ul></ul><ul><ul><ul><li>Working at nursing home. ~$600/wk </li></ul></ul></ul><ul><li>ISSUES </li></ul><ul><ul><li>ICHIP? </li></ul></ul><ul><ul><li>SSI/Medicaid eligible? </li></ul></ul><ul><ul><li>High Risk Pool (IPXP) </li></ul></ul>Case Study
    14. 14. <ul><li>Questions? </li></ul><ul><li>www.Illinoishealthmatters.org </li></ul><ul><li>(live 9am, 2/1/11) </li></ul>Insurance Summary
    15. 15. Age 18 Redetermination for Supplemental Security Income <ul><li>Before age 18, SSA looks at child’s ability to function in school </li></ul><ul><li>At age 18, recipients of SSI will be notified by SSA to be ‘re-determined’ eligible for SSI as an adult </li></ul><ul><li>At age 18, SSA looks at adult’s ability to work at a substantial level (2011 – Substantial Gainful Activity = $1,000 gross earnings from work) </li></ul><ul><li>Childhood Disability Beneficiary / Disabled Adult Child </li></ul><ul><ul><li>Medicaid without a spenddown </li></ul></ul>
    16. 16. SSI Disability Determination <ul><li>Child Disability Standard </li></ul><ul><li>INCOME : Under 18 years old, parents income and assets count </li></ul><ul><ul><ul><li>DISABILITY : impairment(s) must cause “marked and severe functional limitations ” and last at least 12 months – compared with functionality of peers </li></ul></ul></ul><ul><li>Adult Disability Standard </li></ul><ul><li>INCOME : Over 18 year old, do not look at parents’ income or assets (< $2000). If parents provide in kind support / maintenance, the SSI recipient’s SSI check may be reduced by no more than 1/3. </li></ul><ul><ul><ul><li>DISABILITY : severe impairment or combination of impairments that prevent engaging in substantial gainful activity (SGA) , lasting for a continuous period of not less than 12 months or result in death. </li></ul></ul></ul><ul><ul><ul><ul><li>Must lack Residual Functional Capacity (RFC ) to perform any jobs that exist in substantial numbers in the national or local economy. </li></ul></ul></ul></ul><ul><ul><ul><ul><li>SGA = $1000/month in 2010 </li></ul></ul></ul></ul>
    17. 17. Three Ways to Apply - SSA <ul><li>Visit the local office – see office locator at https://s044a90.ssa.gov/apps6z/FOLO/fo001.jsp ; </li></ul><ul><li>Call the toll free number – 1-800-772-1213 or TTY 1-800-325-0778 for either an in office appointment or a telephone appointment; or </li></ul><ul><li>For SSDI Adults only, apply online at https://s044a90.ssa.gov/apps6z/ISBA/main.html </li></ul>
    18. 18. Two Disability Cash Programs <ul><li>Supplemental Security Income (SSI) </li></ul><ul><ul><li>Strict income and resource limits </li></ul></ul><ul><ul><li>No work history required </li></ul></ul><ul><ul><li>$674 – 2011 Federal Benefit Rate </li></ul></ul><ul><li>Social Security Disability Insurance (SSDI) </li></ul><ul><ul><li>Based on work record </li></ul></ul><ul><ul><li>Unearned income is not counted with no asset limits </li></ul></ul><ul><ul><li>Benefit amount depends on work record </li></ul></ul>
    19. 19. Supplemental Security Income <ul><li>2011 SSI Amount $674 </li></ul><ul><ul><li>Payment can vary based on living arrangements and other factors </li></ul></ul><ul><ul><li>Patients nor guaranteed to always receive the full amount </li></ul></ul><ul><li>If qualify for SSI, probably also for Medicaid </li></ul><ul><ul><li>Illinois Medicaid is NOT automatic  apply separately </li></ul></ul><ul><ul><li>Eligible for All Kids until age 19 if meet income and insured requirements </li></ul></ul><ul><ul><li>Not all All Kids participants will qualify for Adult Medicaid </li></ul></ul>
    20. 20. SSA and Medicaid <ul><li>Apply at local Family Community Resource Center (formerly Public Aid) www.dhs.state.il.us/officelocator </li></ul><ul><li>This is the same office where TANF and SNAP applications are taken </li></ul>I
    21. 21. Social Security Disability Insurance <ul><li>Childhood Disability Beneficiary </li></ul><ul><li>Adults (18 and older) having a disability determination before age 22 can collect SSDI on their parents Social Security employment earnings record, if the parent: </li></ul><ul><ul><li>Becomes retired and collects SSA </li></ul></ul><ul><ul><li>Becomes disabled themselves and collects SSDI </li></ul></ul><ul><ul><li>Is deceased </li></ul></ul>
    22. 22. Benefits Summary Questions?
    23. 23. Employment as a Transition Goal <ul><li>Work Incentives differ among programs </li></ul><ul><li>Very important to understand from which program benefits are received </li></ul><ul><ul><li>Social Security Disability Insurance </li></ul></ul><ul><ul><ul><li>Own Record </li></ul></ul></ul><ul><ul><ul><li>Parent’s Record </li></ul></ul></ul><ul><ul><li>Supplemental Security Income </li></ul></ul>
    24. 24. SSI Work Incentives <ul><li>Earned Income Exclusion </li></ul><ul><li>Student Earned Income Exclusion </li></ul><ul><li>PASS Plan </li></ul><ul><li>1619 </li></ul><ul><li>Impairment Related Work Expenses </li></ul><ul><li>Report all Income to SSA & DHS!!! </li></ul>
    25. 25. Supplemental Security Income and Employment <ul><li>SSI and earnings are calculated with a formula. These deductions are subtracted from the gross income to determine countable income: </li></ul><ul><ul><li>General Income Disregard $20.00 </li></ul></ul><ul><ul><li>Earned Income Disregard $65.00 </li></ul></ul><ul><ul><li>Deductions/Exclusions </li></ul></ul>
    26. 26. SSI Earned Income Calculation <ul><li>Bob is working and has gross earnings of $900 per month </li></ul><ul><li>$900 - $85 = $815 </li></ul><ul><li>$815 / 2 = $407.50 Countable Earnings </li></ul><ul><li>$674 - $407.50 = $266.50 New SSI Check </li></ul><ul><li>Monthly Income Improved By Almost $500!!! </li></ul>
    27. 27. Student Earned Income Exclusion <ul><li>Under age 22 and in school </li></ul><ul><ul><li>High School </li></ul></ul><ul><ul><li>Community College </li></ul></ul><ul><ul><li>Trade School </li></ul></ul><ul><li>SSA will exclude up to $1,640 of earned income per month, up to an annual exclusion of $6,600 </li></ul><ul><li>Note: For Recipients of SSI, not dependent SSDI students! </li></ul>
    28. 28. Plan for Achieving Self Support <ul><li>PASS allows you to set aside income and/or resources for a specified time for a work goal. </li></ul><ul><ul><li>For example: set aside money to pay expenses for education, vocational training, or starting a business as long as the expenses are related to achieving a work goal. </li></ul></ul><ul><li>The money in this plan will not count as an asset for SSI, Medicaid or most public benefit eligibility. </li></ul><ul><li>May also be used to become eligible for SSI! </li></ul>
    29. 29. Medicaid - 1619 <ul><li>1619(a) – When gross earnings are over $1,000/month in 2011 – free Medicaid </li></ul><ul><li>1619(b) – When gross earnings are over $1433 (or SSI check goes to $0 from Earned Income) – keep Medicaid until annual earnings of $26,141 (2011) – (could be higher if person has high medical needs) </li></ul>
    30. 30. SSDI and/or Childhood Disability Beneficiary <ul><li>Trial Work Period (TWP) $720 (2011) </li></ul><ul><li>Extended Period of Eligibility (EPE) </li></ul><ul><li>Substantial Gainful Activity (non-blind SGA) $1,000 (2011)–These amounts change annually </li></ul><ul><li>Blind SGA $1640 (2011) </li></ul><ul><li>Grace Period </li></ul><ul><li>Impairment Related Work Expense (IRWE) </li></ul><ul><li>Subsidy </li></ul>
    31. 31. Subsidies and IRWE’s <ul><li>Can be used in determining eligibility, as work incentives to reduce countable income and in overpayment cases! </li></ul><ul><li>Subsidy – only SSDI </li></ul><ul><ul><li>When accommodations are provided by the employer to allow the worker to be paid what co-workers without disabilities are paid </li></ul></ul><ul><li>IRWE’s – both SSI and SSDI </li></ul><ul><ul><li>Expenses paid out of pocket by the beneficiary who needs the item in order to work; ie, medications, therapies, doctor co-pays </li></ul></ul>
    32. 32. Dependent Benefits are Different! <ul><li>Dependent benefits are not based on disability. </li></ul><ul><li>Above $14,160 in gross annual earnings, then for every two dollars earned one dollar is subtracted from their SSDI dependent benefit. </li></ul><ul><li>See Community Work Incentives Coordinator! </li></ul>
    33. 33. Expedited Reinstatement of Benefits <ul><li>EXR applies to both SSI and SSDI. </li></ul><ul><li>When case has been closed and benefits have been terminated due to earnings (does not apply when disability has improved) </li></ul><ul><li>Application must be made within five years of receiving last benefit check or end or the Extended Period of Eligibility </li></ul>
    34. 34. Ticket to Work <ul><li>Three main components: </li></ul><ul><ul><ul><ul><li>Ticket to Work </li></ul></ul></ul></ul><ul><ul><ul><ul><li>Elimination of Work Dis-Incentives </li></ul></ul></ul></ul><ul><ul><ul><ul><li>Access to Health Care </li></ul></ul></ul></ul>
    35. 35. Other Considerations <ul><li>When individuals work and pay into FICA taxes, credits are earned toward Social Security Administration benefits </li></ul><ul><li>One credit is = $1,120 in gross earnings </li></ul><ul><li>A maximum of 4 credits annually = $4,480 </li></ul><ul><li>6 credits earned under the age of 24 affords eligibility for SSDI </li></ul><ul><li>24 months later become eligible for Medicare </li></ul><ul><li>What happens to Medicaid Eligibility? </li></ul>
    36. 36. SSDI and Medicaid <ul><li>Medicaid income limit as of January 2011 = $933/monthly </li></ul><ul><li>If work income is above that level, Healthcare and Family Services calculates a spenddown </li></ul><ul><li>Spenddown is essentially a deductible of medical expenses are incurred (doctor co-pays, Community and Home Based Services) </li></ul><ul><li>To avoid spenddown, there is the Medicaid Buy-In </li></ul>
    37. 37. Medicaid: Health Benefits for Workers with Disabilities <ul><li>Workers with Disabilities - age 16 to under 65 </li></ul><ul><li>Pay small monthly premium (avg: $40 - $50) </li></ul><ul><li>Proof of paying FICA taxes (no minimum) </li></ul><ul><li>Earnings to $3,159 / month – NET </li></ul><ul><li>Savings up to $25,000 </li></ul><ul><li>Retirement Accounts are not counted! </li></ul><ul><li>HBWD eligibility maintains DD Waiver eligibility </li></ul><ul><li>Application directly to HBWD – www.hbwdillinois.com / 800 226-0768 </li></ul>
    38. 38. Contact Information <ul><li>Marsie Frawley </li></ul><ul><li>Senior Policy Analyst </li></ul><ul><li>312-265-9069 (v) </li></ul><ul><li>[email_address] </li></ul><ul><li>Purvi Patel </li></ul><ul><li>Staff Attorney, Equal Justice Works Fellow </li></ul><ul><li>312-265-9102 </li></ul><ul><li>[email_address] </li></ul><ul><li>Health & Disability Advocates Intake: </li></ul><ul><li>312-223-9600 / 866/584-8750 (tty) </li></ul>

    ×