Medi-Cal Covers People with Disabilities who Work

These rules mean your child can keep Medi-Cal even while making a lot of money at work:

  • If your child gets SSI benefits while working, Medi-Cal will continue automatically.
  • If your child used to get SSI benefits, but now makes enough money that SSI benefits ended, SSI's 1619(b) rule means Medi-Cal will continue automatically even if your child makes up to $37,706 per year.
  • If your child doesn't get SSI, but is under 22, gets Medi-Cal based on a disability, and is also regularly attending school, the Student Earned Income Exclusion (SEIE) means that if your child gets a job, Medi-Cal coverage will probably continue.
  • Medi-Cal's Working Disabled Program (WDP) lets your child pay a monthly premium to get Medi-Cal coverage if your child makes $63,470 per year or less. It has a $2,000 resource limit, but with WDP, if your child saves money from earnings in a separate account or in a retirement account, that money won't count against the resource limit.
  • If your child's income is even higher than that, he or she can get private health coverage through work or on Covered California. Private insurance companies cannot deny coverage to your child.
The bottom line

Your child can get health coverage after getting a job.

Learn more about Medi-Cal's Working Disabled Program and SSI 1619(b).