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The Medicaid Buy-In for Working People With Disabilities (MBI-WPD)

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Posted: 04 Jun, 2009
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Updated: 15 Apr, 2024
by Valerie Bogart (New York Legal Assistance Group)

The Medicaid Buy-in for Working People with Disabilities (MBI-WPD) expands eligibility for individuals with disabilities under age 65 who have work income.  Under MBI-WPD, individuals are eligible for full Medicaid benefits at much higher incomes than individuals who are not working.   The income limit is 250% of the Federal Poverty Line, after more than half of gross earned income is disregarded.   This allows them to earn more income without the risk of losing health coverage.  See how earned income is calculated for anyone with a disability or who is age 65+ here

The official State website on this program has basic information, including the current income and resource limits which change every year with the Federal Poverty Line. 

Current INCOME and ASSET levels are in Box 5 in the Medicaid Income and Resource Levels Chart.   

Use this NYLAG Medicaid Budget template to calulate income budgeting.

Heads up - Expansion of Eligibility Coming in 2025! 

The NYS Legislature and Governor agreed to expand eligibility in 2025 - increasing income and asset limits and removing the age limit of 65.  See this document for more infomation on these changes, and some recommendations for implementation. 


Applications for MBI-WPD should include the usual components of a Medicaid application, as well as proof of disability, proof of employment, and two additional forms:

Law, Regulations, and NYS Guidance 

LAW:  NY Social Services Law § 366(1)(a)(14 - 15), §  367-a(15).  State directives include:

Advocacy Information and Training Materials 

This article was authored by the Empire Justice Center.

Empire Justice Center

MBI-WPD Medicaid Buy-In for Working People with Disabilities Medicaid Buy In MBI Buy-IN
Attached files
item Expansion of MBI-WPD in NYS Budget 2023-24.pdf (114 kb) Download
item HRA chart March 1 2024.pdf (304 kb) Download
item MAP-101 MBI-WPD prescreening document.pdf (76 kb) Download
item MBIWPD training 5_12.ppt (508 kb) Download
item MAP-628C MBI-WPD documentation checklist.pdf (143 kb) Download
item Medicaid Budgeting worksheet 2024 -PROTECTED.xls (118 kb) Download

Also read
item Income and Resource Limits for New York State Public Health Insurance Programs
item Keeping Medicaid after Cash Public Assistance or SSI Benefits Are Terminated
item KNOW YOUR RIGHTS: Fact Sheet Explaining Basic Rules on NYS Financial Medicaid Eligibility for People who are Disabled, Aged 65+, or Blind
item Know Your Rights: NYLAG Webinars on Medicare and Medicaid -
item Special Medicaid Income Rules That May Eliminate Your "Spend-down" or "Surplus Income"

External links
http://health.wnylc.com/health/client/images/icons/article_out.svg http://www.health.state.ny.us/health_care/medicaid/program/buy_in/index.htm
http://health.wnylc.com/health/client/images/icons/article_out.svg http://nymakesworkpay.org/
http://health.wnylc.com/health/client/images/icons/article_out.svg http://nymakesworkpay.org/m-resources.cfm#Research

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