Q-6000, Qualified Disabled and Working Individuals – MC-QDWI

Revision 22-2; Effective June 1, 2022

A person with a disability who gets Social Security disability payments and free Medicare may work. If the person’s earnings exceed a certain amount over a time-period, the Social Security Administration (SSA) may stop the person’s Social Security benefits and free Medicare. Under Section 1818A of the Social Security Act, a person may pay the Medicare Part A premium if SSA denies the person’s free Medicare because of earnings.

Persons eligible for QDWI do not receive regular Medicaid benefits. They must be disabled working individuals entitled to Medicare Part A (hospital coverage). Medicaid will pay the Medicare Part A premiums for QDWIs.

SSI policy is used to determine eligibility for the Qualified Disabled and Working Individuals (QDWI) Program – MC-QDWI. To be eligible for QDWI coverage, a person must:

  • be under 65 years old;
  • be entitled to benefits under Medicare Part A;
  • not otherwise certified under any other Medicaid-funded program;
  • have a monthly income equal to or less than 200% of the federal poverty level; and
  • have no more than twice the countable resources allowed under the SSI program.

Resource Limits

  • Individual – $4,000
  • Couple – $6,000

Q-6100, QDWI Benefits

Revision 12-2; Effective June 1, 2012

Authorized under 42 USC §1396a(a)(10)(E)(ii), the QDWI Program pays only Medicare Part A premiums. A person cannot be eligible for regular Medicaid and QDWI coverage at the same time. The person does not receive a Your Texas Benefits Medicaid Card or Form H1027, Medical Eligibility Verification.

A person's QDWI eligibility begins in accordance with the coverage period described in §1818A of the Social Security Act (42 USC §1395i-2a(c)).

Q-6200, QDWI Income Limit

Revision 23-2; Effective June 1, 2023

Monthly income must be equal to or less than 200% of the FPL.

Use the couple income limit when both spouses are applying for the same program.

Monthly Income Limits for the QDWI Program

Time PeriodPersonCoupleDeeming*
March 1, 2023 to Present$2,430$3,287$857
March 1, 2022 to Feb. 28, 2023$2,265$3,052$787
March 1, 2021 to Feb. 28, 2022$2,147$2,904$757
March 1, 2020 to Feb. 28, 2021$2,127$2,874$747
March 1, 2019 to Feb. 29, 2020$2,082$2,819$737
March 1, 2018 to Feb. 28, 2019$2,024$2,744$720
March 1, 2017 to Feb. 28, 2018$2,010$2,707$697
March 1, 2016 to Feb. 28, 2017$1,980$2,670$690
March 1, 2015 to Feb. 29, 2016$1,962$2,655$693
March 1, 2014 to Feb. 28, 2015$1,945$2,622$677
March 1, 2013 to Feb. 28, 2014$1,951$2,585$670
March 1, 2012 to Feb. 28, 2013$1,862$2,522$660
March 1, 2011 to Feb. 29, 2012$1,815$2,452$637
March 1, 2009 to Feb. 28, 2011$1,805$2,429$624
March 1, 2008 to Feb. 28, 2009$1,734$2,334$600
April 1, 2007 to Feb. 29, 2008$1,702$2,282$580
April 1, 2006 to March 31, 2007$1,634$2,200$566
April 1, 2005 to March 31, 2006$1,595$2,139$544
April 1, 2004 to March 31, 2005$1,552$2,082$530
Jan. 1, 2003 to March 31, 2004$1,497$2,020$523
Jan. 1, 2002 to Dec. 31, 2002$1,477$1,990$513
Jan. 1, 2001 to Dec. 31, 2001$1,432$1,935$503
Jan. 1, 2000 to Dec. 31, 2000$1,392$1,875$483
Jan. 1, 1999 to Dec. 31, 1999$1,374$1,844$470
Jan. 1, 1998 to Dec. 31, 1998$1,342$1,809$467
Jan. 1, 1997 to Dec. 31, 1997$1,315$1,769$454
Jan. 1, 1996 to Dec. 31, 1996$1,290$1,727$437
Jan. 1, 1995 to Dec. 31, 1995$1,245$1,672$427
Jan. 1, 1994 to Dec. 31, 1994$1,227$1,640$413
Jan. 1, 1993 to Dec. 31, 1993$1,162$1,572$410
Jan. 1, 1992 to Dec. 31, 1992$1,136$1,532$396
Jan. 1, 1991 to Dec. 31, 1991$1,104$1,480$376
Jul 1, 1990 to Dec. 31, 1990$1,047$1,404$357

* The deeming allowance is the couple limit minus the individual limit.

Note: These amounts do not include the $20 disregard.

Related Policy

MSP Resource Limits, Q-1300
Budget Reference Chart, Appendix XXXI

Q-6300, QDWI Cost-of-Living Adjustment

Revision 16-2; Effective June 1, 2016

Recipients of QDWI do not receive Social Security benefits, therefore the cost-of-living adjustment (COLA) does not apply.

Q-6400, QDWI Medical Effective Date

Revision 09-4; Effective December 1, 2009

The medical effective date is influenced by whether the person enrolls for Medicare coverage during the initial enrollment period but before his present Medicare entitlement ends, after the initial enrollment period begins but after his entitlement ends, or following the initial enrollment period. Consider the date the person enrolled for continuation of his/her Medicare entitlement when determining the medical effective date (MED). The MED does not precede the earliest date the person is entitled to reinstatement of his Part A coverage. Otherwise, use the same procedures for determining the MED for all other MEPD programs (including three months prior coverage).

Example: The following chart may be used as a reference for the MED determination policies and examples.

Enrollment Period Month Activities
Initial
Enrollment Period
April
May
Person notified his free Part A entitlement will end
  June End of person's free entitlement
  July
August
September
First month person meets QDWI criteria
General
Enrollment Period
January
February
QDWI coverage effective July 1
  March End of general enrollment period

The following applies when determining the MED:

  • The initial enrollment period for a person who has been notified that his free entitlement to Medicare Part A coverage will end is seven months. The enrollment period begins the month the person is notified.

    Example: A person is notified in April that his free entitlement to Part A coverage ends at the end of June. His initial enrollment period begins in the month of notification (April) and ends at the end of October. To reinstate his Part A coverage, he must enroll with SSA before the end of October. He then must apply with the department for QDWI benefits.
  • In the case of a person who enrolls in an initial enrollment period before meeting QDWI criteria and applies for QDWI benefits, the medical effective date is the first day of the month he meets the QDWI criteria.

    Example: A person is notified in April that his free entitlement to Medicare Part A coverage ends at the end of June. He enrolls for reinstatement of his Part A coverage with SSA in April and applies for and is determined eligible for QDWI benefits with the department in May. The earliest MED he can have for QDWI benefits is July 1 because it is the first month he meets QDWI criteria and is allowed to purchase Part A coverage.
  • If the person enrolls in the first month that he meets all QDWI criteria except for reinstatement (fourth month of the initial enrollment period), and applies for QDWI benefits, the MED is effective the first of the following month.

    Example: A person is notified in April that his free entitlement to Medicare Part A coverage ends at the end of June. He enrolls for reinstatement of his Part A coverage with SSA in July and applies for and is determined eligible for QDWI benefits in July. The earliest medical effective date he can have for QDWI benefits is Aug. 1 because that is the first month he is entitled to reinstatement of his Part A coverage.
  • If the person enrolls in the second month that he meets all QDWI criteria except for reinstatement (fifth month of the initial enrollment period) and applies for QDWI benefits, the MED is effective the second month after enrollment.

    Example: A person is notified in April that his free entitlement to Medicare Part A coverage ends at the end of June. He enrolls for reinstatement of his Part A coverage with SSA in August and applies for and is determined eligible for QDWI benefits in September. The earliest MED he can have for QDWI benefits is Oct. 1 because that is the first month he is entitled to reinstatement of his Part A coverage.
  • If the person enrolls in the third or fourth month that he meets all QDWI criteria except for reinstatement (sixth or seventh month of the initial enrollment period) and applies for QDWI benefits, the medical effective date is effective the first day of the third month following the month he enrolled.

    Example: A person is notified in April that his free entitlement to Medicare Part A coverage ends at the end of June. He enrolls for reinstatement of his Part A coverage with SSA in September and applies for and is determined eligible for QDWI benefits in October. The earliest MED he can have for QDWI benefits is Dec. 1 because that is the first month he is entitled to reinstatement of his Part A coverage.
  • If the person enrolls during the general enrollment period, the medical effective date is always effective July 1.

    Example: A person is notified in April that his free entitlement to Medicare Part A coverage ends at the end of June. He does not enroll during the initial enrollment period and decides to enroll during the general enrollment period, from January through March 31, of the next year. The earliest MED date he is allowed is the July 1 following his enrollment.

Q-6500, General SSA Procedures Involving Potential QDWIs

Revision 09-4; Effective December 1, 2009

The Social Security Administration notifies disabled persons whose Social Security disability payments have ceased and whose Medicare coverage is about to cease because of earnings. A seven-month initial enrollment period begins with the month of notification. During this period, the person may enroll to pay the Medicare premium himself or he may contact the department to have his eligibility determined for QDWI benefits. If he does not take either of these actions, his Medicare coverage ends and he must wait until the next general enrollment period to enroll for Medicare coverage.

Reminder: Remember that entitlement to Medicare Part A is one of the eligibility criteria for receiving QDWI benefits.

 

Q-6600, QDWI Application Procedures

Revision 09-4; Effective December 1, 2009

 

Q-6610 Medicare Part A Entitlement

Revision 09-4; Effective December 1, 2009

Ask the person if he/she is entitled to Medicare Part A benefits.

  • If the person is currently enrolled, verify by checking:
    • the person's Medicare card;
    • a TPQY inquiry; or
    • the letter from the Social Security Administration (SSA) notifying the person of the imminent termination of Part A.
  • If the person has been entitled but is not currently enrolled, determine when his/her entitlement ended.
    • If entitlement has ended, but the person can still enroll during his/her initial enrollment period, refer him to SSA to begin enrollment procedures. He/She must obtain proof of enrollment from SSA.
    • If both entitlement and the initial enrollment period have ended, the person cannot be eligible for QDWI benefits until after enrolling with SSA during the general enrollment period (January through March of each year). QDWI benefits begin in July of the year of enrollment.