Meet Susan

At 33, Susan was an architect at a small firm. Her employer did not offer health coverage, so she bought the cheapest plan she could find on Healthcare.gov, a bronze level plan with a high deductible. When she was injured in a serious car accident and couldn’t work for 4 years, Susan started getting Social Security Disability Insurance (SSDI) benefits. For the next 2 years, she got health coverage through the Arizona Health Care Cost Containment System (AHCCCS), until she began to get Medicare health coverage. Even with the help of benefits, Susan had to spend most of her savings to pay for her and her son’s expenses.

When she was ready to begin work, Susan talked with a Work Incentive Consultant to learn about SSDI’s work incentives and how AHCCCS could help her.

Meet Susan
Before Injury:
Age: 33
Disability: None
Occupation: Architect at a small firm
Income: $4,160 per month ($50,000 annually)
Resources: $5,000 in an IRA; $15,000 in savings
Health Coverage: Individual coverage purchased on Healthcare.gov
4 years after accident:
Age: 37
Disability: Brain trauma
Occupation: None
Income: $1,500 per month ($1,004 in SSDI benefits; $488 in Child’s Benefits for her son)
Resources: $5,000 in an IRA; $1,000 in savings
Health Coverage: Medicare for herself, AHCCCS for her son
5 years after accident:
Age: 38
Disability: Brain trauma
Occupation: Architect at a small firm
Income: $4,000 per month ($2,500 from earnings; $1,004 in SSDI benefits; $488 in Child’s Benefits for her son)
Resources: $5,000 in an IRA; $4,000 in savings
Health Coverage: Medicare and AHCCCS Freedom to Work for herself, AHCCCS for her son