MaineCare Option for Workers with Disabilities

MaineCare Option (PDF)

2018 - 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 $1,012 or less after deductions. (Not all income is counted - income could be as high as $1,087 a month); and
  • Your wages from a job, added to the income that is not from a job, must be $2,530 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 $1,372 or less after deductions. (Not all income is counted - income could be as high as $1,472 a month); and
  • Your wages from a job, added to the income that is not from a job, must be $3,430 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 $1,518 a month if you are single ($2,058 a month if married). Above that, you pay $10-$20 a month. There is no cost if you are paying your Medicare Part B premium.

If you meet the three guidelines listed above, you may be eligible for MaineCare through this Option, also known as the “Working Disabled” program. 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 Community Work Incentives Coordinator (CWIC) 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)

$1,087  Gross monthly SSDI before any deductions
  - $75  Federal & State disregards
 $1,012  Countable income

This person passes because total from Social Security is not more than $1,012.

  

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

 $1,087  Total monthly Social Security
  income
   - $20  Federal disregard
 $1,067  Remaining Social Security income

$3,101  Monthly wage earnings 
- $ 65  Work disregard
$3,036 
-$1,518  Disregard one-half
$1,518  Remaining wage income
+$1,067  Add remaining Social Security
$2,585  Total income
- $ 55  Additional State disregard

$2,530 Total Countable Monthly Income
The person in Example #1 is eligible because total monthly countable income is not more than $2,530.  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)
$5,255  Monthly wage earnings 
 - $ 85  Federal & Work disregards
$5,170 
-$2,585  Disregard one-half
$2,585   Total income
- $ 55  Additional State disregard
$2,530   Countable Monthly Income

The person in Example #2 is eligible because total monthly countable income is not more than $2,530. They would pay a monthly MaineCare premium of $20.

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: 834-1000 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

 

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Non-Discrimination Notice

The Department of Health and Human Services (“DHHS”) does not discriminate on the basis of disability, race, color, sex, gender, sexual orientation, age, national origin, religious or political belief, ancestry, familial or marital status, genetic information, association, previous assertion of a claim or right, or whistleblower activity, in admission or access to, or the operation of its policies, programs, services, or activities, or in hiring or employment practices. This notice is provided as required by and in accordance with Title II of the Americans with Disabilities Act of 1990 (“ADA”); Title VI of the Civil Rights Act of 1964, as amended; Section 504 of the Rehabilitation Act of 1973, as amended; Age Discrimination Act of 1975; Title IX of the Education Amendments of 1972; Section 1557 of the Affordable Care Act; the Maine Human Rights Act; Executive Order Regarding State of Maine Contracts for Services; and all other laws and regulations prohibiting such discrimination. Questions, concerns, complaints or requests for additional information regarding the ADA and hiring or employment practices may be forwarded to the DHHS ADA/EEO Coordinators at 11 State House Station, Augusta, Maine 04333-0011; 207-287-4289 (V); 207-287-1871(V); or Maine Relay 711 (TTY). Questions, concerns, complaints or requests for additional information regarding the ADA and programs, services, or activities may be forwarded to the DHHS ADA/Civil Rights Coordinator, at 11 State House Station, Augusta, Maine 04333-0011; 207-287-3707 (V); Maine Relay 711 (TTY); or ADA-CivilRights.DHHS@maine.gov. Civil rights complaints may also be filed with the U.S. Department of Health and Human Services, Office of Civil Rights, by phone at 800-368-1019 or 800-537-7697 (TDD); by mail to 200 Independence Avenue, SW, Room 509, HHS Building, Washington, D.C. 20201; or electronically at https://ocrportal.hhs.gov/ocr/portal/lobby.jsf. Individuals who need auxiliary aids for effective communication in program and services of DHHS are invited to make their needs and preferences known to the ADA/Civil Rights Coordinator. This notice is available in alternate formats, upon request.

06/2017