Wednesday, December 01, 2004

Social Security problem.

Question: Can we get Medicaid back for our son? He lost it when they changed his benefit to SSDI when I retired. They said he now received too much income to qualify. We need the coverage since he has to wait 2 years for Medicare to start.

Answer: Yes you can.

Continuing Medicaid after SSI goes away.
§15.466(a) — Type Program 18. Individuals 18 and older who were denied SSI benefits on or after July 1, 1987, because of entitlement to or an increase in RSDI disabled adult children's benefits may be eligible for Medicaid if they otherwise would meet all current SSI eligibility criteria in the absence of those disabled adult children's benefits. Eligible individuals are also entitled to the exclusion of subsequent increase in those benefits.

To be eligible, an individual must
1. be at least 18;
2. have become disabled before 22;
3. be denied SSI benefits because of entitlement or an increase in RSDI disabled children's benefits received on or after July 1, 1987, and any subsequent increase; and
4. meet current SSI criteria if the children’s benefit is excluded.

If you are preparing to start on Social Security, you should contact SSA and inform them of your change in status and that you have a dependant receiving SSI and Medicaid. Tell them that you are aware that your dependant will be able to continue Medicaid under Type Program 18. This is usually all it will take to make the change. If you encounter any trouble, ask for an Aged and Disabled Specialist in the SSA office.

Your dependant will be eligible for Medicare and the 24-month waiting period will be waived due to the previous Medicaid coverage. Also, ask if they will be QMB eligible. More on that in a later posting.