If I take you at your word, which I am prone to believe there are plenty of exaggerated sob stories on this thread, he would have been eligible for disability. I won't even get into FMLA and the employer's own disability policy.
swife, you are just full of bad new stories, aren't you? Perhaps you are creating your own maelstrom of chaos. If I had said "save the drama for your third cousin twice removed" you would have told me that your "cousin" died last week while tragically falling under a tractor wheel at work, and since he had no insurance everyone just left him there to rot.
As I mentioned on the other thread, I have been able to help MANY people who thought they had no options.
What is the cost?
Children's Medicaid is health insurance provided at no cost to the children of families who qualify. Coverage begins as soon as the application is approved.
CHIP is health insurance designed for families who earn too much money to qualify for Medicaid, yet cannot afford to buy private health insurance. CHIP enrollment fees and co-payments are based on the number of people in the family and the family's income and assets. Enrollment fees do not exceed $50 for each six-month term of eligibility and most co-payments for doctor visits and prescription drugs range from $3 to $10.
Who qualifies? » Income guidelines for CHIP » State Kids Insurance Program – SKIP
Any adult who lives with an uninsured child and provides care for that child can apply. This includes parents, step-parents, grandparents, other relatives, legal guardians or adult brothers or sisters.
To qualify for CHIP or Children's Medicaid, a child must be under age 19, a Texas resident and a U.S. citizen or legal permanent resident. The citizenship or immigration status of the parents does not affect the children's eligibility and is not reported on the application form * .
* To qualify for Children's Medicaid, the child must be living in a family with assets below established levels. Assets do not include the family's home or personal property. In determining income eligibility, deductions for work-related expenses and dependent care expenses are allowed.
Families enrolling in CHIP for the first time, or re-enrolling because of a lapse in coverage, will have a 90-daywaiting period before the benefits can be used. There are some exceptions to this rule.
Children must be uninsured for at least 90 days to enroll in CHIP.
Exceptions to 90-Day Waiting Period
All children would be subject to the waiting period except for children:
- Who lost insurance coverage because:
- Their parent's employment was terminated due to a layoff, reduction-in-force, or the closure of a business
- Their insurance benefits under the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) were terminated
- The marital status of a child's parent changed
- Their parent's employer terminated dependent coverage
- No longer covered by insurance provided by the Texas Employees Retirement System (ERS) or CHIP in another state
- Whose previous health insurance coverage cost more than 10 percent of the family's gross income
- Decertified from the Medicaid Program and determined eligible for CHIP by Health and Human Services Commission (HHSC)
- Added to currently enrolled accounts, including newborns
- Un-enrolled for failure to renew, but who successfully complete their renewal by the deadline for processing renewals in the month after their 6th month of coverage
A family's size, income and assets determine whether the children qualify for Children's Medicaid or CHIP.
» View the income guideline chart
Income Guidelines for CHIP/Children's Medicaid *
| ||May Qualify for Children's Medicaid||May Qualify for CHIP|
|Family Members||Annual Family Income||Annual Family Income|
* Some expenses such as childcare or disabled adult care may be deductible.
If you are an employee of the State of Texas, you may qualify for an insurance supplement for your dependent children under age 19 through the State Kids Insurance Program – SKIP.