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What does the health care ruling mean for those with a disability?

Over the last several weeks, the media has been buzzing about the long-awaited ruling on the legal intricacies of the Affordable Care Act, which is the health care reform law promoted by the Obama Administration. Finally, the U.S. Supreme Court answered the question that many Michigan residents had: A great majority of the law is constitutional.

Of course, the ruling set off a firestorm of banter among politicians, but others have looked at the practical consequences of the ruling, rather than the political. Advocates for those living with disabilities have said that the ruling is beneficial for their efforts. In other words, this is likely to provide additional support for those currently receiving Social Security disability benefits.

One individual commented that the ruling allows more freedom for those with disabilities and their families. The advocate pointed out that those with disabilities and their loved ones make many of their decisions based on their health care coverage, so having this issue cleared up leaves much less uncertainty.

Though the ruling provides a general sense of security for individuals living with a disability, it also impacts their lives in more specific ways. The law includes the following provisions that are of particular concern to those with disabilities.

  • The reform forbids coverage discrimination based on pre-existing conditions and imposed lifetime limits.
  • Funds are provided to states to support community assisted living.
  • The law also requires insurers to provide coverage for mental health and rehabilitation services.

Regardless of political positions, it's beneficial to know exactly how this law is affecting the lives of thousands of Americans. The peace of mind provided by the reforms will provide so many with the ability to focus on their overall health, rather than stressing over whether or not they will be denied coverage.

In addition to the provisions of the health care reform, those with disabilities may be eligible for SSD benefits. These benefits can provide the funds necessary to cover the costs of living, as reliable employment can become impossible to obtain for those with a serious medical condition.

Source: Disability Scoop, "Health Care Ruling A Win, Disability Advocates Say," Michelle Diament, June 29, 2012

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