New expansion to Medicaid buy-in removes limits for workers with disabilities

This means that Rhode Islanders with disabilities who meet Medicaid eligibility requirements can now earn and save without the risk of losing their Medicaid coverage. (Note that it is not required that the disability cause them to be unable to work). 

Whether they need health insurance, long-term services and supports, home and community-based care or employment support, they can continue to access these essential benefits while working and saving to their full potential.

To qualify for the Ticket to Work (TTW) Program, individuals must be employed or self-employed and between the ages of 16 and 64. (As participants using TTW approach age 65, they will be automatically evaluated to determine whether they are eligible to switch to the Sherlock Plan.)  

While TTW features a premium structure similar to the Sherlock Plan, it allows for unlimited earnings. As a result, participants with higher earnings may pay more than the Sherlock Plan’s maximum monthly premium of $92. However, premiums remain reasonable – for instance, those earning 500% of the Federal Poverty Level would only pay $210 per month.

Anyone enrolled in the Sherlock Plan as of September 2024 will be automatically transitioned into the TTW program. This change is not cause for alarm, but rather presents a positive opportunity to increase earnings and savings without fear of losing Medicaid benefits. Please note, however, that the TTW program applies only to Medicaid coverage. SSDI or Childhood Disability Benefits will continue to be suspended or terminated if participants work at a Substantial Gainful Activity after completing their Trial Work Period.