Applying for Medicaid Buy In for Working People with Disabilities
By Ted Walner, Peer Advocate, Brooklyn Peer Advocacy Center
It is very helpful to note that these days a person with disabilities can apply for Medicaid, even if they are working. In fact, an individual can earn in gross wages up to $59,892 per year and still get Medicaid. This could be one’s income or a combination of benefits and gross wages. Let me walk you through the steps one needs to take in order to benefit from the Medicaid Buy-In for Working People with Disabilities (MBI-WPD). Please note that all documents obtained have to be within thirty days of submission. It is therefore important to act quickly and complete all your paperwork on time.
First, one must complete the general Medicaid application. The applicant must list their name and address, household information, income, other health insurance he or she may have, housing expenses and whether the person is disabled. For each piece of information listed, you must provide back-up documentation.
There are other forms that have to be completed as well. Your doctor must complete the medical report for your disability determination. One should sign and date the general Medicaid form after receiving the medical report. In this way, acting in a timely fashion, everything will be dated within the thirty days allowed.
There is also a disability questionnaire the client must complete. In this questionnaire you supply information about your medical condition, medical records, and information about your employment.
Finally, the applicant must complete Supplement ‘A.’ These forms request financial information about the client, including tax-returns and bank information. They also ask about other assets, such as retirement accounts, stocks, bonds, or other life insurance policies that you may have. Everything here also must be documented. It is interesting to note that an individual can have up to $20,000 in assets for this program. This is much more than the $2,000 limit for people on SSI and Medicaid.
Applying for MBI-WPD is a lengthy process that does pay off in the end. If you do receive Medicaid, you receive a very good form of insurance. In New York one can receive dental, psychiatric and medical coverage with Medicaid. To obtain the forms, you can access them online by going to the Department of Health link, https://www.health.ny.gov/health_care/medicaid/. You can also call the Coalition Center for Rehabilitation and Recovery at (212) 742-1600.
Get the best insurance possible for your disability, make your life easier after all. If you're working and disabled, Medicaid could now be a viable alternative to get adequate coverage for your medical needs.