A:Yes, MWD coverage is a full Medicaid benefit package.

A: Delaware Residents who:

• Are U.S. Citizens or Qualified Non-Citizens.
• Are at least 16 and under 65 years of age.
• Have a disability, as defined by the Social Security Administration (SSA). Disabilities might include physical or developmental disabilities, mental health, or intellectual disabilities.
• Are employed, either full-time or part-time.
• Are paying the Federal Insurance Contributions Act (FICA) payroll tax.
• Have unearned income at or below a certain monthly amount, determined annually by DMMA. This amount is adjusted each year based on the Social Security Cost-of-Living Adjustment (COLA). Unearned income may include payments from Social Security, Disability, Pensions, and Interest or Dividends. Click here to see the current unearned income limit.
• Have total countable income at or below 275% of the Federal Poverty Level (FPL). Certain earned and unearned income disregards or exclusions apply. Click here to see the current total countable income limit.

A: The MWD eligibility pathway includes a benefit package that covers many medical services, including:

• Doctor visits
• Hospital stays
• Dental services
• Hospice services
• Emergency care services
• Home health services
• Durable medical equipment and supplies
• Medical transportation services
• Mental health services
• Physical and occupational health services
• Rehabilitation services
• Other medically necessary services

A: An applicant must have a disability, as defined by the SSA. Disabilities might include physical or developmental disabilities, mental health, or intellectual disabilities. Your disability must significantly limit or prohibit your ability to do basic work-related activities, such as lifting, standing, walking, sitting, or remembering. Your disability or health condition is expected to last at least a year or result in death. If you are not able to initiate a disability determination with the SSA, we can assist in initiating one for you.

A: No. Disability as defined by SSA is a total disability determination expected to last at least a year or resulting in death.

A: No. Individuals who apply for MWD do not have to apply for or receive SSI or SSDI benefits.

A: MWD allows for monthly earned income exclusions, in this order:

1. Earned income of disabled student children (under age 18) up to the current limit. Click here to see the current SEIE.
2. $20.00 general income exclusion
3. An additional $65.00 of earned income
4. Work-related expenses paid by the individual that are directly related to their impairment
5. One-half of the remaining earned income

A: Your spouse’s income may be considered in determining your eligibility for MWD.

A: No. Employment may be part-time or full-time, but you must be paying the FICA payroll tax.

A: No. MWD does not have a resource test for eligibility.

A: Yes, but you must provide documentation that you are self-employed and paying FICA payroll tax.

A: No. As of July 1, 2024, Delaware Medicaid discontinued the premium requirement for all MWD recipients.

A: Yes. Your other insurance would be primary. MWD would be secondary, as Medicaid is the payer of last resort.

A: Medicare is your primary insurance. MWD is secondary and may cover premiums and deductibles.

A: Yes. You do not have to receive SSI or SSDI to qualify for MWD.

A: If you lose your job, notify Medicaid by the 10th of the following month. They will check if you’re eligible for other programs before ending coverage.

A: Yes. Every state has different rules. You must apply for MWD under Delaware’s requirements.

A: To apply for MWD, call the Milford State Service Center at Riverwalk to request an application. You can ask for an application to be mailed, faxed, or emailed to you.

A: You must provide a completed application, and possibly:

• Proof of citizenship and identity, or immigration status
• Proof of income (full month’s paystubs or latest tax return)
• Proof of disability (we can help if you haven’t been determined disabled yet)

A: You can submit it:

• By mail: Milford State Service Center at Riverwalk, Attn: MWD, 253 NE Front St., Milford, DE 19963
• By fax: (302) 622-4185, Attn: MWD (include all pages)
• In person: At your local Long Term Care benefits office

A: No. It is not required.

A: Yes. If you have medical expenses within the three months prior to the month you submit your application, you can request a determination of retroactive eligibility. If you meet all eligibility requirements, you may be determined eligible for retroactive payment of bills.

A: Coverage begins once you are enrolled in a Managed Care Organization (MCO). You can change MCOs within 90 days of enrollment.

A: To get more information on MWD, you can call the Milford State Service Center at Riverwalk at 302-424-7190 (TTY: 711). We would be happy to send an informational flyer to you, or you may print one from the MWD Flyer link below. Click here to view the MWD Flyer as a website. Learn more by clicking the MWD – Related Links!