Myths About Work

Myths about Work and Medicare or Medicaid

You may have heard this myth: "If I try to go to work, I will automatically lose my Medicare and/or Medicaid."

Here are the facts if you or someone you know is interested in working while receiving Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) benefits:

• If you earn enough that your SSDI payments stop, you can still continue to receive Medicare for more than 7 years (at least 93 months) after you use your 9-month Trial Work Period.

• If you currently receive Medicaid and SSI, you could be eligible to continue to receive Medicaid even after you stop receiving SSI benefits due to work.
  • To be eligible you need to meet certain requirements, which include earnings below a threshold amount set by your state.
  • Even if your earnings exceed your state's threshold, you may still be eligible and should talk to Social Security if you have high Medicaid costs. In some states, you may be able to apply to buy Medicaid from the state Medicaid agency if you are working.
• Read more about Keeping Your Medical Benefits after SSI Cash Benefits Have Stopped. Learn even more by referring to the Red Book.

Working does not necessarily mean losing access to federal or state health care benefits. There are protections in place to help people who receive disability benefits and who work keep those important benefits. Contact the Ticket to Work Help Line via phone or email to get your questions about health care protections answered by our knowledgeable representatives.

The Medical Review Myth

You may have heard this second myth: “If I use my Ticket to go to work, Social Security will conduct a medical review of my case, and I will lose my benefits.”

Here are the facts if you or someone you know is interested in working while receiving Social Security disability benefits:

• Social Security ordinarily reviews your medical condition from time to time to see whether you still have a disability, using a process called the medical Continuing Disability Review, or medical CDR.
• If you participate in the Ticket program and make "timely progress" following your Individual Work Plan, Social Security will not conduct a review of your medical condition.

• If a medical CDR has already been scheduled for you before you assigned your Ticket, Social Security will continue with the medical CDR.

If you have more questions about CDR, contact the Ticket to Work Help Line via phone or email to discuss your concerns with one of our knowledgeable representatives.

The Myth about Reapplying for Benefits

You may have heard this third myth: “If my benefit checks stop because I started making more money through work, and then I have to stop working because of my disability, I will have to reapply for benefits all over again.”

Here are the facts if you or someone you know is interested in working while receiving Social Security disability benefits:

• If your benefits ended because you worked and had earnings, you have up to 5 years to request that your benefits start again without a new application if your disability keeps you from working. This is a Work Incentive called Expedited Reinstatement.
• Under Expedited Reinstatement, you can receive temporary cash benefits, as well as Medicare and/or Medicaid, for up to 6 months while Social Security reviews your case.  These benefits usually do not have to be repaid if Social Security determines that you are not eligible to have your benefits reinstated.   

• Read more about Expedited Reinstatement.

Contact the Ticket to Work Help Line via phone or email to get your questions about Expedited Reinstatement answered by our knowledgeable representatives.

Is Work the Right Choice?

Making the decision to work is an important step toward achieving financial independence. When you or a person you know is ready to work, the Ticket program is here to help.

Being ready to work means that you are committed to making enough money to replace Social Security cash benefits with the income you earn through work. In return, you can look forward to a better, more fulfilling life by meeting new people, learning new skills and gaining financial independence. It may not be easy, but it could greatly pay off in the end.

We've created a tool to help you explore these issues. Take the Work Readiness Quiz!

We hope that the Work Readiness Quiz will help you think through some of the factors about work that you need to consider. The decision to work is a personal choice, and Ticket to Work is a voluntary program. Thousands of people every year make that choice, and you, too, might be our next Success Story!

If you are ready, the next step is learning about how to get started finding a Ticket to Work service provider, who will be your partner on your journey to financial independence!