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Social Security Disability and the Affordable Care Act

People receiving Social Security Disability (SSD) benefits are asking whether the Affordable Care Act will affect their benefits. This blog post summarizes a few questions and answers from around the United States.

  • A question in the Bangor (Maine) Daily News: How will Obama care affect my SSDI? ...after garnishments I only have $280. I need help. I am going to be homeless. The answer: You should qualify for Medicaid, which meets the law's requirement for medical coverage. If you do not already have Medicaid, go to the MaineCare website at http://www.maine.gov/dhhs/oms/ to get started. * 
  • A question on Yahoo.finance.com! I am on SSD and have Medicaid. Do I need to apply for the new health system? The answer: The health exchanges do not affect people on Medicaid. In fact, more people may qualify for Medicaid in many states under expanded programs. Go to https://www.healthcare.gov/do-i-qualify-for-medicaid/ to learn more.

These and other news sources stress that if you are already receiving SSD benefits and are enrolled in Medicaid or Medicare, you do not need to do anything. But what if you are unable to work and are applying for Social Security Disability? Being approved can take a long time - in many cases a year or more - and what should you do about health care while you are waiting?

Many sources encourage those waiting for approval of their SSD claims to apply for Medicaid. Especially under expanded Medicaid plans (about half the states have expanded eligibility for Medicaid as a result of the Affordable Care Act), individuals may now qualify for coverage while they wait for their applications for disability benefits to be approved.

If you have applied for SSD benefits and have been turned down or are experiencing other problems, do what so many others have done: Contact Binder & Binder®, America's most successful Social Security Disability advocates. Let them put their years of experience to work for you.

*Only Maine residents can apply for Medicaid in that state (no residency requirement for children and pregnant women) and additionally, many states have their own Medicaid eligibility requirements.

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