Benefits for Young People

Medi-Cal WDP Eligibility for Young People

Medi-Cal’s Working Disabled Program (WDP) supplies health coverage to people with disabilities who get jobs. If you get a job and are making too much money to get regular Medi-Cal coverage, you might be able to keep your Medi-Cal through the WDP program.

To qualify for the WDP program, you must:

  • Be certified disabled by the Social Security Administration (SSA)
  • Be working
  • Not be eligible for standard Medi-Cal coverage, including qualifying through the 1619(b) rule
  • Have income lower than 250% of the Federal Poverty Level ($3,038 per month for individuals, $4,108 for couples)
    • Note: These are countable income limits, which is your gross income minus certain deductions. Your gross income can be much higher than your countable income. For example, an individual with no unearned income or IRWEs can make $73,920 a year in gross income and still be eligible for this program.
  • Have less than $130,000 in assets if you are single, $195,000 if you’re a couple
  • Note: Medi-Cal's Working Disabled Program used to have a monthly premium. Starting on July 1, 2022, there is no more premium. Learn more about this change.

The WDP program is a great option if you like your current Medi-Cal coverage and get a job. You don’t have to be afraid you will lose your health coverage!

How to Apply for the WDP Program

There are different ways to apply for Medi-Cal's Working Disabled Program:

When you submit your application, you should specify that you are applying for the WDP program. If you need help completing an application, talk to a benefits planner.

No matter how you apply, it is important to know that if you are not eligible for Medi-Cal's Working Disabled Program, you may be able to get private insurance subsidized by the government through tax credits.

For more information, read DB101’s Medi-Cal article.

Medi-Cal/MSP asset limit changes

Big changes for disability-based Medi-Cal categories with asset limits:

  • On July 1, 2022, Medi-Cal asset limits increased to $130,000 for individuals, $195,000 for couples
  • On January 1, 2024, these asset limits will be removed completely.

This applies to Medi-Cal through A&D FPL, the Working Disabled Program, and ABD–MN, as well as Medicare Savings Programs (MSPs). If you've been denied Medi-Cal or an MSP because you had too much in assets, try applying again.

Note: This doesn't change SSI-linked Medi-Cal or Medi-Cal through SSI 1619(b), as they still have SSI's $2,000 asset limit. And it doesn't change income-based Medi-Cal, which doesn't have an asset limit.

Get more info from Justice in Aging.

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