Federal Poverty Level and its impact on Qualified Disabled and Working Indivduals

Recently published Federal Register mentions Federal poverty level (FPL) guidelines for 2012. The guidelines provide a platform to decide eligibility levels for various public benefits, comprising health benefits for older people and people with disabilities. The individual programs that rely on poverty guidelines provide answers to questions related to income deductions, family unit and others. One such program is Qualified Disabled and Working Individuals program. States are supposed to pay the Medicare Part A premium for some working disabled Medicare insurance beneficiaries who have used up their prerogative to premium-free Part A benefits and whose incomes do not exceed 200% FPL.  The limit for this group is $1,861.67/month or $22,340/year for an individual and $2,521.67/month or $30.260/year for a couple.

A $20 has to be added to each of the monthly amounts listed above to establish the actual eligibility limit, since applicants are permitted a $20 discount from any income before their income is considered against the poverty levels.  Couples only get one $20 disregard. The $20 disregard is applicable nationally, but states also have the choice of option of escalating the disregard. This leads to rise in eligibility ceiling and, thus, more people qualify for benefits. The amounts given below apply to the 48 contiguous states and Washington, DC.  Rates for Alaska and Hawaii are slightly higher.

For more information please visit us @ www.medigap4seniors.com, or call us at 888-502-5553 to speak with one of our Medicare experts.

Posted in Uncategorized | Tagged , , , , , , , , , , | Leave a comment

Leave a Reply