What is the Qualified Disabled & Working Individuals Program?
The Qualified Disabled & Working Individuals (QDWI) Program is one of four Medicare Savings Programs. These programs assist individuals who have low income or resources with the costs of Medicare. Medicare Savings Programs are run through each state’s Medicaid program.
Who is Eligible for the Qualified Disabled & Working Individuals Program?
If you previously received Social Security disability benefits and Medicare coverage because of disability, but lost that coverage because you returned to work, you may be eligible for the Qualified Disabled & Working Individuals Program.
The QDWI Program also has income and resource limits for eligibility; if you are somewhere in the range of a $4000-6000 (or less) monthly income as an individual or couple, you may qualify for QDWI benefits. The exact amount may change each year or vary based on your state of residence. Resource limits apply to the monetary value of things like savings accounts, stocks, investment properties, and more.
If you are soon turning 65, you may be eligible for Medicare coverage based on age instead of disability, which could significantly change your costs.
What is Covered by the Qualified Disabled & Working Individuals Program?
The Qualified Disabled & Working Individuals Program covers Medicare Part A premiums.
QDWI Example Scenario
You have recently returned to work and lost your Social Security disability benefits and premium-free Medicare Part A. With the QDWI Program:
· You are able to enroll or stay enrolled in Medicare Part A without paying a premium
· You will continue to pay a Medicare Part B premium, if enrolled
· You will continue to pay premiums for Part D or Part C plans, if enrolled
· You will continue to pay deductibles, coinsurance, and copayments
How Do I Enroll in the Qualified Disabled & Working Individuals Program?
Contact your state’s Medicaid offices. It’s worth applying for the program even if you’re not sure whether you qualify. Due to differences in eligibility by state—based on your income, savings, properties, and your working situation—calculating your own eligibility can be difficult.
Annual Enrollment Period (AEP)
Medicare Annual Enrollment Period runs each year from October 15 to December 7. What is the Annual Enrollment Period vs. Open Enrollment Period?
Initial Enrollment Period (IEP)
Your Initial Enrollment Period generally surrounds your 65th birthday but may occur if you otherwise become eligible for Medicare for the first time.
Speak to a Licensed Insurance Agent Today
1-800-991-4407 / TTY 711
Mon-Thu 8am-11pm, Fri 8am-9pm, Sat 10am-6pm ET
Aetna® Anthem® Cigna Healthcare® Humana® UnitedHealthcare®
e-TeleQuote Insurance Inc. (“e-TeleQuote”), an affiliate of Primerica, Inc., does business as easyMed Insurance Services in all states other than New Mexico. e-TeleQuote is a duly licensed insurance agency appointed by Medicare Advantage HMO, PPO and PFFS plans and stand-alone prescription drug plans and insurance companies holding Medicare contracts approved by The Centers for Medicare & Medicaid Services (CMS). e-TeleQuote is not connected with or endorsed by the U.S. Government or the Federal Medicare Program. Enrollment in any plan for coverage is subject to insurance company approval. Enrollment in the plan depends on the plan’s contract renewal with Medicare. By using e-TeleQuote’s easyMedicare website, you understand and agree that in New Mexico, we operate as e-TeleQuote Insurance, Inc. (Your IP address and/or location coordinates may be gathered to verify your location.) Sales agents may be compensated based on your enrollment in a health plan. Medicare Supplement plans are not connected with or endorsed by the U.S. Government or the Federal Medicare program. e-TeleQuote complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, sex, sexual orientation, gender identity, or religion. easyMedicare.com is a non-government site, powered by e-TeleQuote Insurance, Inc. e-TeleQuote provides a secure way to purchase Medicare insurance from the comfort of your home or workplace. We do not offer every plan available in your area. Currently we represent 5 organizations which offer 3,291 products in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-Medicare (TTY users should call 1-877-486-2048) 24 hours day/7 days a week, or your local State Health Insurance Program (SHIP), to get information on all of your options. Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply. To send a complaint to Medicare, call 1-800-MEDICARE (TTY users should call 1- 877-486-2048), 24 hours a day/7 days a week). If your complaint involves a broker or agent, be sure to include the name of the person when filing your grievance.