Spenddown is similar to an insurance deductible. Spenddown is a program for individuals who may be eligible for AABD but who have income or resources (assets) above the AABD limit. Individuals with disabilities may qualify for medical assistance in Illinois even when income and resources exceed the limit for Medicaid coverage under Famil圜are, ACA Adult or regular AABD. Programs to Preserve Medical Coverage for Individuals Who Work In addition to the lower income eligibility limit ($1,012 for an individual), there is a resource (asset) limit of $2,000, so potential savings from ongoing employment could also threaten eligibility for continued coverage. The situation is more complex for individuals who are eligible under AABD (Aid to Aged, Blind and Disabled). For example, an individual earning $12/hour working 30 hours a week would earn roughly $1,550, and would no longer qualify for medical benefits under the ACA Adult or Family Care plans due to income exceeding the income limit. However, as wages and/or hours worked increase, so does the risk of losing medical benefits. For example, working 20 hours a week at the state minimum wage of $8.25/hour would yield a monthly income of roughly $710, which is below the income limit of $1,396 for an individual. Many persons with disabilities who are employed remain Medicaid-eligible under ACA Adult or Family Care plans. Illinois offers Medicaid coverage for people with disabilities with income up to 100% of the federal poverty level (monthly income of $1,012 for an individual) and non-exempt resources (assets) of no more than $2,000 (for one person). Individuals under the age of 65 who are enrolled in Medicare by virtue of a disability may qualify for Medicaid based on both their disability status and low income. ![]() Having a disability is not an eligibility factor for Family Care. For a family of four, the monthly income limit is $2,887. There is no resource (asset) test for Family Care. People with disabilities may qualify for Family Care if they are a parent or caretaker relative of a minor child in the home with income at or below 138% of the federal poverty level for their family size. For additional information about eligibility, please visit. This fact sheet is not a definitive guide to eligibility for Illinois's medical assistance programs. Note that disability status is not a criterion for eligibility as an ACA Adult.ġMedicaid eligibility is complex, multi-faceted, and varies from program to program. People with disabilities may receive Medicaid services as ACA adults as long as they are not receiving Medicare, are between the ages of 19 and 64, and are not a parent or caretaker of a minor child. Individuals with income at or below 138% of the federal poverty level (monthly income of $1,396 for an individual) can be covered, and resources (assets) are exempt. In Illinois, persons age 19-64 years with disabilities may be eligible for Medicaid through the Affordable Care Act (ACA) based solely on their low income, as long as they meet all other Medicaid eligibility criteria. Overview of Financial Eligibility 1 Affordable Care Act Adults In addition to standard benefits, long term services and supports available through Home and Community Based Services waivers, such as personal assistance and adaptive equipment, can play an important role in obtaining and maintaining gainful employment. Standard services, such as doctor visits, hospital care, and prescription drug benefits are crucial for maintaining health. ![]() Medicaid provides a broad range of services that enable people with disabilities to live and work in the community. The purpose of this Fact Sheet is to describe how Medicaid-covered services are essential for employment, to review basic financial eligibility criteria for Medicaid, and to highlight programs that provide continuity of coverage while also allowing enrollees with disabilities to work and earn to their full potential. With appropriate services and supports, some are able not only to work, but to maintain employment at a level where their income approaches or exceeds the income limit for Medicaid eligibility.Ĭoncerns about losing Medicaid eligibility (including home and community-based waiver services) due to exceeding income standards can discourage individuals with disabilities from working. Many individuals with disabilities who are enrolled in Illinois's Medical Assistance programs wish to work.
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