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Covered California and Obamacare related questions from consumers, employers and agents are answered by Phil Daigle with the best information available at the time. Archived entries may no longer be accurate as the Covered California and Obamacare knowledge-base is evolving quickly. TO REQUEST A PERSONAL RESPONSE INCLUDE EMAIL ADDRESS.

Medi-Cal receipient applient for early SS retierement

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I am 63 years old and my doctor put me in State Disability starting April 29 till August 31st, 2015. I resigned to my job on June 29th, 2015. I have two pensions that total $850.00 per month from 2 previous jobs. July 1st. I applied for Medi-Cal for my husband and I. My husband has not worked in 2015. I applied for early retirement today with Social Security and my retirement will be $880.00 per month, and I will obtain a lump Sum of $4000.00 in about 3 weeks. We file jointly taxes and we do not have dependents. We called Medi-Cal office and the income still qualifies for the program, but at that time I didn't know that we were going to receive $4000.00 because the Eligibility Worker qualified me for retroactive. My question is how Medi-Cal will calculate the $4000.00; as a lump sum and this will make us ineligibles for the month of November or they are going to divide the $4000 between the retroactive months and we will have to pay a penalty? Please advise and thank you in advance for your answer. My e-mail address is: marcelacastrillon821@gmail.com. Please note that we are planning to use the entire amount to pay our credit cards.

1 Comment

If your $4,000 lump sum is for several months, it will be apportioned as such. With $1730 per month in MAGI income (about $20,760 per year), you are about $1,000/year below the Medi-Cal elimination threshold, so you should remain eligible.

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