MaineCare Option for Workers with Disabilities

MaineCare Option In Word* | also in PDF*

2013 - Maine has a MaineCare Option for Workers with Disabilities

This option allows you to earn more and still keep your MaineCare benefits.

What is MaineCare?

MaineCare is a health insurance program for Maine people who qualify. If you have a disability, MaineCare allows you to work, save, and move toward independence.

You may qualify for this MaineCare Option if:

  1. You meet the Social Security guidelines for a disability; and
  2. You have earnings, usually from a job; and
  3. You meet the following financial guidelines:

If you are single:

  • Your monthly income from retirement, Social Security or other income that is not wages from a job must be $958 or less after deductions. (Not all income is counted - income could be as high as $1,033 a month); and
  • Your wages from a job, added to the income that is not from a job, must be $2,394 or less after deductions. (Not all income is counted, so you may still be eligible.); and
  • Your assets are $8,000 or less. (Not all assets are counted. For example, your home, car, and up to $8,000 in savings are not counted.)

If you are married:

  • Your monthly income from retirement, Social Security or other income that is not wages from a job must be $1,293 or less after deductions. (Not all income is counted - income could be as high as $1,393 a month); and
  • Your wages from a job, added to the income that is not from a job, must be $3,232 or less after deductions. (Not all income is counted, so you may still be eligible.); and
  • Your assets are $12,000 or less. (Not all assets are counted. For example, your home, car, and up to $12,000 in savings are not counted.)

What will it cost?

There will be no cost until your income is over $1,341 a month, if you are single. Above that, you pay $10-$20 a month. There is no cost if you are paying your Medicare Part B premium ($104.90/month)

If you meet the three guidelines listed above, you may be eligible for MaineCare through this Option.

Even if your income is above these amounts, you may still be able to get MaineCare. Not all income is counted. Contact your local Department of Health and Human Services or a Benefits Specialist to see if you qualify.

Example #1 - A single person with a disability receives income from Social Security and a job. Is this person eligible?

Step #1(earnings from Social Security)

$1,033  -  Gross monthly SSDI before any deductions
  -$75 - Federal & State disregards
$958   - Countable income

This person passes because total from Social Security is not more than $958.

     

Step #2 (add all income, including earnings from Social Security and wages from a job)

 $1,033  -  Total monthly Social Security income
- $20 - Federal disregard
$1,013 -  Remaining Social Security income

  $682 - Weekly wage earnings
$2,933 - Monthly wage earnings (weekly times 4.3)
 - $ 65 - Work disregard
 $2,868 
-$1,434 - Disregard one-half
$1,434 - Remaining wage income
+$1,013  - Add remaining Social Security
$2,477 - Total income
- $ 55 - Additional State disregard
$2,392 - Total Countable Monthly Income

The person in Example #1 is eligible because total monthly countable income is not more than $2,394.  They would pay a monthly MaineCare premium of $20.

 


 

Example #2 - A single person with a disability receives income only from a job (no SSDI, pension or other income). Is this person eligible?

Step #1 Only income is from wages so this step is skipped

Step #2 (earnings from a job)

$1,158 - Weekly wage earnings
$4,979 - Monthly wage earnings (weekly times 4.3)
 - $ 85 - Federal & State disregards
$4,894
-2,447 - Disregard one-half
$2,447 - Total income
- $ 55 - Additional State disregard
$2,392 - Countable Monthly Income

Resources

To contact a Benefits Specialist, contact:

Maine Medical Center
Department of Vocational Services
Phone: 888-208-8700 Toll Free
Web site: www.benefitsandworkinme.org

Resources for people with disabilities who want to work:

Department of Labor, Bureau of Rehabilitation Services

Staff can provide training, job placement services and related employment supports.
Toll Free 1-800-698-4440
TTY 1-888-755-0023

Protection and Advocacy for Beneficiaries of Social Security (PABSS)

Assistance for people with disabilities who have Social Security and are in cash payment. Services can include providing information about your rights and benefits in getting vocational, employment and other support services.

Disability Rights Center
Phone: 1-800-452-1948
Web-site: www.drcme.org

DHHS Local Offices

Augusta
Phone: 624-8000 or 1-800-452-1926
TTY Maine rely 711
Bangor
Phone: 561-4100 or 1-800-432-7825
TTY Maine rely 711
Biddeford
Phone: 286-2400 or 1-800-322-1919
TTY Maine rely 711
Calais
Phone: 454-9000 or 1-800-622-1400
TTY Maine rely 711
Caribou
Phone: 493-4000 or 1-800-432-7366
TTY Maine rely 711
Ellsworth
Phone: 667-1600 or 1-800-432-7823
TTY Maine rely 711
Farmington
Phone: 778-8400 or 1-800-442-6382
TTY Maine rely 711
Fort Kent
Phone: 834-7700 or 1-800-432-7340
TTY Maine rely 711
Houlton
Phone: 532-5000 or 1-800-432-7338
TTY Maine rely 711
Lewiston
Phone 795-4300 or 1-800-482-7517
TTY Maine rely 711
Machias
Phone 255-2000 or 1-800-432-7846
TTY Maine rely 711
Portland
Phone: 822-2000 or 1-800-482-7520
TTY 1-888-720-1925
Rockland
Phone: 596-4200 or 1-800-432-7802
TTY Maine rely 711
Sanford
Phone: 490-5400 or 1-800-482-0790
TTY Maine rely 711
Skowhegan
Phone: 474-4800 or 1-800-452-4602
TTY Maine rely 711
South Paris
Phone:744-1200 or 1-888-593-9775
TTY Maine rely 711

Department of Health and Human Services
Maine People Living Safe, Healthy and Productive Lives

 

Paul R. LePage, Governor
Mary C. Mayhew, Commissioner

Non-Discrimination Notice: The Department of Health and Human Services (DHHS) does not discriminate on the basis of disability, race, color, creed, gender, sexual orientation, age, or national origin, in admission to, access to, or operations of its programs, services, or activities, or its hiring or employment practices. This notice is provided as required by Title II of the Americans with Disabilities Act of 1990 and in accordance with the Civil Rights Act of 1964 as amended, Section 504 of the Rehabilitation Act of 1973, as amended, the Age Discrimination Act of 1975, Title IX of the Education Amendments of 1972, the Maine Human Rights Act and Executive Order Regarding State of Maine Contracts for Services. Questions, concerns, complaints or requests for additional information regarding the ADA may be forwarded to the DHHS ADA Compliance/EEO Coordinators, 11 State House Station, Augusta, Maine 04333-0011, 207-287-4289 (V) or 287-3488 (V), Maine Relay 711 (TTY). Individuals who need auxiliary aids for effective communication in programs and services of DHHS are invited to make their needs and preferences known to one of the ADA Compliance/EEO Coordinators. This notice is available in alternate formats, upon request.

April, 2013