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SSI AND CONTINUED MEDICAID COVERAGE
WHEN YOU WORK
UNDER SECTION 1619(b)
David Linney
There are a number of individuals with bleeding
disorders who receive Supplemental Security Income (SSI) disability benefits.
SSI recipients receive monthly checks and Medicaid. Medicaid, for many,
is their only health insurance.
Many SSI recipients would like to try to work, but are afraid that work income
will result in a loss of SSI and, most importantly, Medicaid. Without Medicaid,
many would have no coverage to pay for their medical care and very expensive
factor products.
Social Security has a provision, Section
1619(b), which can help. 1619(b) allows SSI disabled recipients to work and
keep Medicaid, even after the cash benefits stop because income is too high, so
long as certain requirements are met. To qualify for continuing Medicaid, a
person must:
·
Continue to meet the Social
Security requirements for disability
when working.
The Social Security Medically Determinable
Impairment for Adults is listed as follows:
7.08 Coagulation Defects (hemophilia or a
similar disorder) with spontaneous hemorrhage requiring transfusion at least
three times during the 5 months prior to adjudication.
·
Continue to meet other
non-disability requirements (for example, asset limits and spousal income
limits).
·
Need Medicaid benefits to work.
·
Have gross earnings that would not
be enough to replace SSI cash benefits and medical expense dollars paid by
Medicaid.
If these requirements are met, an individual can
have gross earnings up to the following threshold amounts listed by state
and still qualify for Medicaid under a Special SSI Recipient Status:
2005 1619(b) THRESHOLD AMOUNTS FOR DISABLED SSI BENEFICIARIES
|
State |
Threshold |
|
ALABAMA |
20,553.00 |
|
ALASKA |
44,550.00 |
|
ARIZONA |
24,489.00 |
|
ARKANSAS |
23,075.00 |
|
CALIFORNIA |
30,754.00 |
|
COLORADO |
29,886.00 |
|
CONNECTICUT |
45,095.00 |
|
DELAWARE |
31,185.00 |
|
DISTRICT OF COLUMBIA |
28,016.00 |
|
FLORIDA |
23,991.00 |
|
GEORGIA |
22,912.00 |
|
HAWAII |
23,450.00 |
|
IDAHO |
34,527.00 |
|
ILLINOIS |
28,686.00 |
|
INDIANA |
29,194.00 |
|
IOWA |
24,214.00 |
|
KANSAS |
28,809.00 |
|
KENTUCKY |
23,266.00 |
|
LOUISIANA |
23,580.00 |
|
MAINE |
34,417.00 |
|
MARYLAND |
29,436.00 |
|
MASSACHUSETTS |
31,786.00 |
|
MICHIGAN |
21,365.00 |
|
MINNESOTA |
39,531.00 |
|
MISSISSIPPI |
22,433.00 |
|
MISSOURI |
26,668.00 |
|
MONTANA |
24,689.00 |
|
NEBRASKA |
30,801.00 |
|
NEVADA |
26,738.00 |
|
NEW HAMPSHIRE |
39,291.00 |
|
NEW JERSEY |
28,041.00 |
|
NEW MEXICO |
27,339.00 |
|
NEW YORK |
37,575.00 |
|
NORTH CAROLINA |
26,403.00 |
|
NORTH DAKOTA |
31,353.00 |
|
OHIO |
28,576.00 |
|
OKLAHOMA |
21,216.00 |
|
OREGON |
24,655.00 |
|
PENNSYLVANIA |
24,795.00 |
|
RHODE ISLAND |
31,667.00 |
|
SOUTH CAROLINA |
24,593.00 |
|
SOUTH DAKOTA |
28,186.00 |
|
TENNESSEE |
19,091.00 |
|
TEXAS |
26,014.00 |
|
UTAH |
26,326.00 |
|
VERMONT |
29,976.00 |
|
VIRGINIA |
25,484.00 |
|
WASHINGTON |
22,630.00 |
|
WEST VIRGINIA |
24,346.00 |
|
WISCONSIN |
29,921.00 |
|
WYOMING |
22,988.00 |
|
NORTHERN MARIANA IS. |
14,916.00 |
For individuals who work despite meeting Social
Security disability requirements and earn less gross dollars than the allowable
threshold amount for the state in which they live, Medicaid eligibility under
1619(b) should be ongoing. SSI dollars will stop, but Medicaid will be
continued. Social Security will then continue to monitor income and disability
status (as well as non-disability requirements) and certify the individual to
continue to receive Medicaid under 1619(b).
Eligibiliy for Medicaid Continuation under
1619(b) if Income Exceeds the Threshold Amount
If a SSI recipient has gross earnings that exceed the threshhold amount, an
individualized
threshold
can be calculated. The object of an individualized threshold calculation is to
determine if the individual has earnings sufficient to replace all the benefits
he/she would actually receive in the absence of those earnings. An
individualized threshold will include any of the following amounts:
·
Impairment-related work expenses
·
Cost of a plan for achieving
self-support
·
Medical expenses above the average
state amount
As annual factor product costs often run over one hundred thousand dollars, such
medical expenses can be used to establish an individualized threshold.
Individuals would be able to earn considerably more than the threshold limit and
still be eligible for Medicaid through the SSI program under the Special 1619(b)
Recipient Status. However, note that as income increases, it will become
important to keep within SSI’s allowable asset limits.
Individualized thresholds need to be calculated
and approved by Social Security case workers through the local Social Security
office. Contact the local office to make an appointment and bring along
documentation for approved deductible expenses (listed above).
For more information about Section 1619(b),
contact Social Security by phone (800) 772-1213 or on the web at
http://policy.ssa.gov/poms.nsf/aboutpoms (Go to “Table of
Contents” and then “SI 02302”)
The issue of work and ongoing Medicaid eligibility for SSI recipients is
important for those individuals who would like to try to work. 1619(b) can
help. For questions, contact Social Security representatives to carefully
review requirements. For help and guidance, contact: a local hemophilia
treatment center; a local/state chapter of NHF; NHF’s information and resource
center, HANDI; other hemophilia/bleeding disorder organizations, the
reimbursement department of a homecare vendor; and, the reimbursement department
of manufacturers.
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