How Health Benefits Work
- The Basics
- Income-Based Medicaid
- AABD Medicaid
- Health Benefits for Workers with Disabilities (HBWD)
- Medicare
- Employer-Sponsored Coverage
- Individual Coverage on Get Covered Illinois
- FAQs
- Pitfalls
- Next Steps
Try It
Health Benefits for Workers with Disabilities (HBWD)
Look at HBWD if:
- You are 16-64 years old
- You have a disability
- You work
- You have limited resources, and
- You are a citizen or eligible immigrant.
Is It Right for You?
Medicaid is government-funded health coverage for people in certain situations. You may qualify if you:
- Have low to moderate income, no matter how much you have in resources or whether you have a disability. Learn more about income-based Medicaid.
- Have low income and resources, and have a disability or are 65 or older, including anybody who gets Supplemental Security Income (SSI) benefits or qualifies for SSI’s 1619(b) rule. Learn more about Aid to the Aged, Blind, and Disabled (AABD) Medicaid.
- Have a disability and work, even if your income is higher and your resources are higher. Health Benefits for Workers with Disabilities (HBWD) is explained on this page.
Answer the questions on this page to see if you might qualify for HBWD. If so, it’s a good option to consider because it lets you work, earn more money, and still get great coverage from Medicaid.
Do You Meet HBWD’s Basic Requirements?
To qualify for HBWD, you must:
- Live in Illinois
- Be 16 – 64 years old
- Have a disability
- Be working and paying FICA taxes, and
- Be a U.S. citizen or meet specific noncitizen requirements.
If you live in Illinois, are 16 – 64 years old, working, have a disability, and are either a U.S. citizen or a non-citizen who qualifies, HBWD might be an option for you.
Medicaid Rules for Immigrants:
- Undocumented immigrants do not qualify for full Medicaid coverage, but they may qualify for Emergency Medical Coverage.
- Most immigrants who have been lawfully present for less than five years do not qualify for full Medicaid coverage. However, they may qualify for private coverage subsidized by the government.
- Immigrants who have been lawfully present for five years or longer and some other noncitizens who meet specific noncitizen requirements qualify for the same programs that U.S. citizens can get.
Note: Some immigrants who don't qualify for Medicaid may qualify for other Illinois programs that are similar to Medicaid: if they are 18 or younger, they may qualify for All Kids; if they are 42 to 64 years old, they may qualify for Health Benefits for Immigrant Adults; and if they are 65 or older, they may qualify for Health Benefits for Immigrant Seniors. Note: Illinois has temporarily paused new enrollment in the Health Benefits for Immigrant Adults and Health Benefits for Immigrant Seniors programs.
Do You Have a Disability That Meets Social Security’s Standards?
To qualify for HBWD, you must have a disability that meets Social Security’s definition of disability. For adults, Social Security says you have a disability if:
- You have a physical or mental impairment or combination of impairments, and
- Your condition has lasted or is expected to last for at least 12 months.
Note: For HBWD, Social Security’s disability rules related to earned income do not apply.
If you currently get disability benefits, like Social Security Disability Insurance (SSDI), you already meet Social Security’s disability standards. If not, the state will check to see if your disability qualifies for HBWD.
If you already have a disability determination from Social Security or think that your disability meets Social Security’s standards, HBWD might be an option for you.
Do You Have Low Resources?
Resources are money and property you own. For HBWD, you must have less than $25,000 in resources.
Some assets don’t count towards HBWD’s resource limit, like the money that you have in retirement accounts or ABLE Accounts.
If your assets are below the limit, HBWD might be an option for you.
Is Your Income Below HBWD’s Income Limit?
For HBWD, you must have countable income at or below $4,393 per month.
To calculate your countable income, money you spend on some things, like work expenses, day care costs, transportation, and more may be deducted. You could earn as much as $53,610 per year and still qualify!
If your income is low enough and you meet all other requirements, you should apply for HBWD.
If you have HBWD coverage, you may have to pay a premium each month. The higher your income, the higher your premium. The maximum premium is $500 per month, but most people pay less.
The HBWD premium is usually a lot lower than the premiums most people pay for individual coverage, and HBWD covers more services than most private insurances.
Note: Medicaid Spenddown is another way to get Medicaid coverage if your income is higher than the regular Medicaid limits. However, a spenddown is almost always more expensive than paying a HBWD premium.
How to Apply
You can apply for HBWD:
- Online using the Application for Benefits Eligibility,
- By calling the ABE Customer Call Center at 1-800-843-6154, or
- By downloading a paper HBWD application (also available in Spanish), filling it out, and then mailing it to the address listed on the form.
For more information or to get an application mailed to you, talk to a Health Benefits for Workers with Disabilities (HBWD) expert at 1-800-226-0768 or 1-866-675-8440 (TTY).
Staying on HBWD
Usually, once approved for HBWD, you continue to qualify as long as your situation doesn’t change. If your income, immigration status, residency, disability status, or household size changes, report the change to a Health Benefits for Workers with Disabilities (HBWD) expert within 10 days at 1-800-226-0768 or 1-866-675-8440 (TTY).
Learn more
Benefits and Work Estimator
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Benefits for Young People
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Get Expert Help
How Work Affects SSI and SSDI
- Contact a Work Incentives Planning and Assistance Program
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Call the DHS Benefits Planning Program
1-217-588-6326 -
Call the Ticket to Work Help Line
1-866-968-7842
Medicaid
- Contact your DHS Family Community Resource Center
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Call the Illinois Department of Human Services (IDHS) Help Line
1-800-843-6154 -
Call a Health Benefits for Workers with Disabilities (HBWD) expert
1-800-226-0768
Medicare
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Call Medicare
1-800-633-4227 -
Call the Senior Health Insurance Program (SHIP)
1-800-252-8966
Work Preparation
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Contact your local Rehabilitation Services office
1-877-581-3690 -
Contact the Bureau of Blind Services (BBS)
1-217-785-3887 - Contact your local Illinois workNet Center