Can I keep Medicare if I return to work?
Yes, Medicare coverage continues during the Trial Work Period (TWP) and remains available for at least 93 months following the TWP through the Extended Period of Medicare Coverage (EPMC), provided you still meet the criteria for a qualifying disability. This ensures uninterrupted access to healthcare as you test your ability to work and transition into employment.
What about Medicaid?
Medicaid protections, such as Section 1619(b), allow beneficiaries to maintain their Medicaid coverage even if their earnings exceed SSI limits, as long as their income remains below a state-determined threshold. Additionally, many states offer Medicaid Buy-In programs, which enable individuals with higher earnings to keep their Medicaid coverage by paying a monthly premium. These programs are designed to support individuals who are transitioning to work while requiring continued access to healthcare services.
What happens if my condition worsens after I return to work?
A: If your condition worsens and you can no longer maintain employment due to your impairment, Expedited Reinstatement (EXR) provides a safety net. EXR allows you to request provisional reinstatement of your benefits, including healthcare coverage, for up to six months while the Social Security Administration (SSA) reviews your claim. This protection applies if you stop working within five years of losing your benefits.
How do I plan for healthcare needs during employment?
Planning is essential when considering your healthcare needs while working. A Benefits Planning Query (BPQY) is a valuable tool that provides a detailed summary of your current benefits, healthcare status, and work history. Disability Services of America can help you understand how employment may impact your healthcare coverage and benefits, enabling you to make informed decisions and prepare effectively for your transition to work.
Are there additional supports available?
Yes, there are various programs designed to support individuals navigating the transition to work while maintaining healthcare coverage. For example, When your Ticket to Work is assigned, Disability Services of America offers free resources, guidance, and access to explore job opportunities and understand how to preserve critical benefits like Medicaid and Medicare. These programs provide a framework for achieving financial independence without losing access to essential healthcare services.
With the right planning, resources, and support, you can confidently explore employment opportunities while ensuring that your healthcare needs are met.