This article is a section taken from MA for Employed Persons with Disabilities (MA-EPD), a part of the revisions and additions to the Minnesota Health Care Program Eligibility Policy Manual.


Assets are items of value that people own like bank accounts, stocks and bonds, cars, and real estate.

Medical Assistance for Employed Persons with Disabilities (MA-EPD) limits the amount of assets people can own to be eligible for coverage. There are also rules about what people must do with their assets in order to establish and maintain eligibility.

Asset Limit

The asset limit is $20,000 for people age 21 and older. Children younger than 21 have no asset limit.

Asset Exclusions

In general, the MA for People Who Are Age 65 or Older and People Who Are Blind or Have a Disability (MA-ABD) asset policies apply to MA-EPD. See the MA-ABD Assets chapter for more information. In addition to the MA-ABD asset exclusions, MA-EPD also excludes:

  • Retirement accounts including:
    • Individual retirement accounts (IRA)
    • 401(k) plans
    • 403(b) plans
    • Keogh plans
    • Pension plans
  • Medical expense accounts set up through an employer, including Health Savings Accounts (HSA)
  • Spousal assets, including the spouse’s share of jointly held assets

Changing Basis of Eligibility after Job Loss

When an MA-EPD enrollee stops working, their eligibility is redetermined under another MA basis of eligibility. The MA-EPD asset limit and policies continue to apply to the person for up to 12 months when eligibility is redetermined under MA-ABD. If the person loses MA for one calendar month or more, the MA-EPD asset limit and policies no longer apply.

Changing Basis of Eligibility after Age 65

The MA-EPD income and asset rules continue to apply when redetermining basic MA eligibility for an enrollee, age 65 or older, who loses eligibility for MA-EPD for any reason and who was enrolled in MA-EPD during each of the 24 consecutive months before their 65th birthday. This includes the MA-EPD asset disregards and exclusions, including the disregard of a spouse’s assets.

Legal Citations

Minnesota Statutes, section 256B.057

CREDIT: The content of this post has been copied or adopted from the Minnesota Healthcare Programs Eligibility Policy Manual, originally published by the Minnesota Department of Human Services.

This is also part of a series of posts on Minnesota Healthcare Eligibility Policies.