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Insurance & Benefits

    Results: 11

  • Burial Benefits (5)
    NS-1000

    Burial Benefits

    NS-1000

    Public programs that pay a portion of the funeral expenses of individuals who qualify, i.e., persons entitled to Social Security and/or veteran benefits.
  • Disability Benefits (10)
    NS-1800

    Disability Benefits

    NS-1800

    Public social insurance programs that replace income lost because of a physical or mental impairment severe enough to prevent a previously employed person from working. Monthly cash benefits are paid to the eligible individual with a disability and his or her eligible dependents throughout the period of disability.
  • General Benefits Assistance (5)
    FT-1000.2500

    General Benefits Assistance

    FT-1000.2500

    Programs that focus broadly on helping individuals who are having difficulty understanding and/or obtaining grants, payments, services or other benefits for which they are eligible rather than offering more specialized services relating to a particular type of benefit.
  • Government Subsidized Prescription Drug Benefits (1)
    NL-5000.2600

    Government Subsidized Prescription Drug Benefits

    NL-5000.2600

    Programs offered by local or state government agencies that pay all or a portion of the monthly costs for prescription drugs required by people who meet eligibility requirements for the programs. In some cases, the individual receives a discount card that can be presented to the pharmacist. The individual pays the co-payment amount and the pharmacist bills the sponsoring agency for the remainder. Specific mechanisms and eligibility requirements may vary by jurisdiction.
  • Health Insurance Information/Counseling (2)
    LH-3500

    Health Insurance Information/Counseling

    LH-3500

    Programs that offer information and guidance for people who need assistance in selecting appropriate health insurance coverage and which may also answer questions about health insurance benefits and help people complete insurance forms.
  • Medicaid (10)
    NL-5000.5000

    Medicaid

    NL-5000.5000

    A combined federal and state program administered by the state that provides medical benefits for individuals and families with limited incomes who fit into an eligibility group that is recognized by federal and state law. Each state sets its own guidelines regarding eligibility and services within parameters established at the federal level. Many people are covered by Medicaid, though within these groups, certain additional requirements must be met. Eligibility factors include people's age, whether they are pregnant, have a disability, are blind, or aged; their income and resources (like bank accounts, real property or other items that can be sold for cash); and whether they are U.S. citizens or lawfully admitted immigrants. Families who are receiving benefits through TANF and individuals who receive SSI as aged, blind and disabled are categorically eligible groups. The rules for counting a person's income and resources vary from state to state and from group to group. There are special rules for those who live in nursing homes, for people served under the Medicaid Waiver program, for people served by Program of All-Inclusive Care for the Elderly (PACE) programs and for children with disabilities living at home. Medicaid makes payments directly to a person's health care provider; and some recipients may be asked to pay a small part of the cost (co-payment) for some medical services. Most states have additional "state-only" programs to provide medical assistance for specified low-income persons who do not qualify for the Medicaid program.
  • Medicare (1)
    NS-8000.5000

    Medicare

    NS-8000.5000

    A federally funded health insurance program administered by the Centers for Medicare & Medicaid Services (CMS) under the U.S. Department of Health and Human Services for people age 65 and older; for individuals with disabilities younger than age 65 who have received or been determined eligible for Social Security Disability benefits for at least 24 consecutive months; and for insured workers and their dependents who have end stage renal disease and need dialysis or a kidney transplant. As with ESRD, the 24-month waiting period is waived for disability beneficiaries diagnosed with Amyotrophic Lateral Sclerosis (ALS, also called Lou Gehrig's disease). Premiums, deductibles and co-payments or out-of-pocket costs apply to Medicare coverage for most people. Special programs that assist with paying some or all of these costs are available for low income individuals who qualify. Medicare has four parts, but not every Medicare beneficiary has every part. Medicare Part A (Hospital Insurance) covers inpatient hospital stays, care in a skilled nursing facility, hospice care and home health care that meets the program eligibility criteria. Medicare Part B (Medical Insurance) covers services from doctors and other health care providers, outpatient care, home health care, durable medical equipment, preventive services and more. Together, Medicare Part A and Part B are called Original Medicare. Medicare Part C enables private insurance companies to offer Medicare Advantage (MA) Plans under contract with CMS that provide all Part A and Part B benefits to plan enrollees. Medicare Advantage Plans include Health Maintenance Organizations, Preferred Provider Organizations, Private Fee-for-Service Plans, Special Needs Plans and Medicare Medical Savings Account Plans. Some plans offer extra benefits and services that aren't covered by Original Medicare, sometimes for an extra cost; and most (but not all) include Medicare prescription drug coverage. Medicare Part D (Medicare prescription drug coverage) is an optional benefit that helps beneficiaries cover the cost of prescription drugs. The plans are offered by insurance companies and other private companies approved by Medicare and add prescription drug coverage to Original Medicare, some Medicare Private-Fee-for-Service Plans and Medicare Medical Savings Account Plans.
  • Retirement Benefits (5)
    NS-7000

    Retirement Benefits

    NS-7000

    Public programs administered by retirement disbursement authorities that make monthly cash payments to eligible workers and their eligible dependents following retirement. The amount of the monthly check is based on the worker's earnings and the length of time contributions were made to the retirement program.
  • Unemployment Insurance (2)
    NS-9000

    Unemployment Insurance

    NS-9000

    Programs that provide partial income replacement for a limited period of time for eligible individuals who become unemployed.
  • Veteran Benefits Assistance (14)
    FT-1000.9000

    Veteran Benefits Assistance

    FT-1000.9000

    Programs that provide assistance for veterans who are having difficulty understanding and/or obtaining the full benefits and services to which they are entitled by law based on service to their country. The programs may help veterans understand the eligibility criteria for benefits, the benefits provided by the program, the payment process and the rights of beneficiaries; provide consultation and advice; help them complete benefits application forms; negotiate on their behalf with U.S. Department of Veterans Affairs staff; and/or represent them in administrative processes or judicial litigation. Included are Veteran Services Officers (VSOs) who are trained and accredited by the Veteran's Administration (VA) and can be found in offices specific to each state, the county courthouse, the local VA office and local veteran's rights organizations; as well as legal aid programs that offer more formalized legal assistance.
  • Veteran Compensation and Pension Benefits (2)
    NS-1800.9000

    Veteran Compensation and Pension Benefits

    NS-1800.9000

    Programs administered by the U.S. Department of Veterans Affairs that provide monthly payments to veterans who are disabled and were discharged under other than dishonorable conditions, their dependent children, surviving spouses and parents. Included are compensation benefits for veterans with service-connected disabilities; and pension benefits for veterans with limited incomes who are age 65 or older or are permanently and totally disabled as a result of a condition not related to military service. Veterans who are more seriously disabled may qualify for Aid and Attendance or Housebound benefits which are paid in addition to the basic compensation or pension rate. A veteran cannot receive both Aid and Attendance and Housebound benefits at the same time.