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NC Department of Health and Human Services
NC Division of
Medical Assistance
NC Division of Medical Assistance - High quality health care through Medicaid and Health Choice for Children.

Who is Eligible - Health Coverage for Workers with Disabilities (HCWD)

Individuals with disabilities may be able to go to work or increase their hours of work and still receive Medicaid through the Health Coverage for Workers with Disabilities (HCWD) Act (NCGS 108A-66.1).

HCWD provides full Medicaid coverage for workers with disabilities age 16 through 64.  The only income limit is that unearned income (examples include, but are not limited to: Social Security disability, veteran's benefits, annuities, alimony) cannot exceed 150% of the federal poverty level (FPL).  Those with countable incomes above 150% of FPL must pay an annual enrollment fee. Those with countable incomes above 200% of FPL must pay an enrollment fee and a monthly premium.  Medicaid recipients age 16 through 20 are also entitled to additional services provided under Early and Periodic Screening, Diagnosis, and Treatment (EPSDT).

Family Size



150% FPL



200% FPL



When you apply for Medicaid, your family’s monthly income is calculated by subtracting certain deductions from your gross income.  Social Security, veteran’s benefits, wages, pensions and other retirement income are counted.  The deductions vary with each Medicaid program.  Your county worker will calculate your monthly family income.

Your resources may not be more than $23,844.

Resources include:

  • Cash
  • Bank accounts
  • Retirement accounts
  • Stocks and bonds
  • Cash value of life insurance policies
  • Other investments.

The value of your home, a car, home furnishings, clothing and jewelry are not counted.

If you think you may be eligible, see “How to Apply.” Ready NC Connect NC
April 28, 2015