Medical Assistance for
Workers with Disabilities (MAWD)
A Guide to Eligibility
Medical Assistance for Workers with Disabilities (also called “MAWD”) is a state health
insurance program for individuals who have chronic health problems and are working.
MAWD is often a good option for individuals who have too much income to qualify for
other categories of Medical Assistance (MA) but who nonetheless need health insurance.
MAWD provides comprehensive health insurance coverage and, compared to other MA
programs, MAWD has high income and resource limits. It also has flexible work and
disability requirements. This guide explains each MAWD eligibility requirement in depth,
and tells you how to apply.
The Basics
To qualify for MAWD, you must be:
➢ Age 16 through 64;
➢ Disabled or have a chronic health problem; and
➢ Working, even a few hours a month;
You must also have:
➢ Income under 250% FPL; and
➢ Less than $10,000 in resources.
How does the MAWD program define disability?
To be eligible for MAWD, you must both work and have a disability. For purposes of
MAWD, disability is thus not defined as an inability to work. Rather, it is a more nuanced
assessment that will be made by a medical review team within the Department of Human
Services (DHS) upon review of your medical records.
Copyright June 2021
The Pennsylvania Health Law Project is a nonprofit legal services organization.
(800) 274-3258 ▪ www.phlp.org
If you receive Social Security Disability Insurance (SSDI), you automatically meet the disability
standard for MAWD and you do not need to show any additional proof of disability.
Even if you do not receive SSDI, you can still meet the disability standard for MAWD. To
apply, you will need a doctor to verify your medical conditions and their expected duration.
Your doctor can do this through a basic letter or by completing the “Employability
Assessment Form” (“EAF” or PA 1663). The County Assistance Office (CAO) can use a
completed EAF or letter from your doctor to grant you three months of MAWD, while the
medical review team reviews your medical records and decides whether you meet the
MAWD disability standard.
Because the disability standard is complicated, you should not try to predict whether your
health conditions will meet the standard. If you have a long-lasting or chronic health
condition, and you meet the other requirements, you should apply for MAWD!
What is MAWD’s income limit?
MAWD has an income limit of 250% federal poverty level (FPL). You must report all of your
and your spouse’s income when applying. Your household size for MAWD will either be 1
(if you are single) or 2 (if you are married). Even if you have children, they do not count in
your household size for MAWD.
Household Size
250% FPL in 2021 (per month)
1
$2,684
2
$3,630
Not all of your household income will count against this limit. For any “unearned” income
(e.g. Social Security Disability), the CAO apply the “unearned income deduction”1 and not
count the first $20. For any “earned” income (such as income from work), the CAO will
apply the “earned income deductions”2 and:
➢ not count the first $65, and
➢ not count half of the remainder, and
➢ deduct any impairment-related work expenses and transportation costs.
If you have no unearned income, the CAO must apply the $20 deduction to your earned
income. If you have less than $20 in unearned income, the CAO must apply the $20
deduction to unearned income first (leaving you with $0 unearned income), then they must
apply the remainder of the $20 deduction to your earned income.
1 See MA Handbook Chapter 360.31, Earned Income Deductions—SSI-Related.
2 See MA Handbook Chapter 360.32, Unearned Income Deductions—SSI-Related.
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Example: Brad receives $1,100 per month from SSDI and earns
$20 per month babysitting. His wife Angelina earns $2,065 per
month from work.
The CAO will apply earned income disregards and count $1000 of
Angelina’s income (2,065–65=2,000/2=1,000) and none of Brad’s
work income (20-65=0). Counting $1,080 for Brad (1,100-20) and
$1,000 for Angelina, Brad has a countable household income of
$2,080 for purposes of MAWD eligibility.
Therefore, Brad is under the $3,630 income limit for a household of
2 and he is income-eligible for MAWD.
Do I need to work a certain number of hours to qualify?
No. MAWD requires only that you work each month, not that you work a minimum number
of hours. Each of these examples, as long as done monthly and for pay, will likely meet the
MAWD work requirement:
➢ babysitting a child
➢ helping a neighbor with yard work, or
➢ cleaning at your local church
You must get paid for this work; it cannot be on a volunteer basis. Get a basic letter from
the person you are working for that explains what work you do, when you do it, and how
much he or she pays you. Being paid in cash is fine. A paystub works too, of course. This
will be your proof of work.
Can I work if I am getting Social Security Disability Insurance?
Yes, you can work and still get Social Security Disability Insurance (SSDI). If you are on
SSDI, you are required to report any earnings to the Social Security Administration (SSA).
There are limits on how much income you can earn each month and still qualify for SSDI. If
you earn less than $1,310 then this should not impact your SSDI eligibility. However, if you
earn more than $1,310 per month, you should consult a lawyer who specializes in SSDI.
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What is MAWD’s resource limit; what counts as a resource?
MAWD has a resource limit of $10,000. “Resources” are things like money in a checking or
savings account, cars, and properties. Retirement savings (e.g. 401ks, IRAs) do count
against this limit. Your home, one vehicle, and personal items such as furniture and clothing
do not count against the $10,000 limit.
Do I need to pay a monthly premium for MAWD?
Yes. MAWD has a monthly premium of 5% of your income. This is based on your income
only; here your spouse’s income will not count (even though it counts for eligibility
purposes). In calculating the 5% premium, the CAO will apply the income disregards
discussed above (on page 2), then your premium will be 5% of that countable income.
Example: Brad is on MAWD and receives SSDI in the
amount of $1,100 per month. His wife Angelina works and
earns $2,065 per month. Brad’s MAWD premium is $54 per
month (1,100 - 20 = 1,080 x .05). Angelina’s income does
not count towards Brad’s premium calculation
How Do I Apply?
There are four ways you can apply for MAWD:
➢ In person: apply at your local County Assistance Office (CAO);
➢ Online: apply through www.COMPASS.state.pa.us;
➢ By phone: (866) 550-4355
➢ By mail: submit a paper application (form PA 600WD) to your local CAO.
Remember: along with your application and supporting documents (photo ID, proof of
address, etc.) you will need to provide proof of work and disability in order to be
reviewed for MAWD.
For More Information
Contact the Pennsylvania Health Law Project at (800) 274-3258 or www.phlp.org.
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