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Medicaid Spend-down:

In most cases, individuals who meet the medical determination for disability, but who have income above the Federal Benefit Rate ($674 per month for an individual or $1011 per month for a married couple) may have a spend-down.  This means that individuals will have to spend down their excess monthly income toward their medical expenses before they are eligible for Medicaid each month.  If your monthly income is over the individual Federal Benefit Rate, Medicaid will disregard part of your income, including a $15.50 General Income Disregard (GID).  Medicaid does not count Supplemental Security Income (SSI) income when figuring your eligibility for Medicaid or determining a spend-down.  This is because by federal law, SSI is intended to pay for food, clothing or shelter.  Individuals with disabilities whose incomes are above the Federal Benefit Rate because their work activity may qualify for a work incentive called MED Works.










The Disability Benefits and Work website was funded by the Medicaid Infrastructure Grant (CFDA # 93.768)

This site is intended for informational purposes only. Individual situations vary widely and must be evaluated on an individual basis by Division of Family Resources eligibility caseworkers, or Social Security Claims Representatives and/or Indiana Works-Community Works Incentive Coordinators. Links from this site are provided to help people research various topics and do not constitute endorsements by the State of Indiana or its partners.