How to file for disability, Filing for SSI
Disability Requirements, Disability Status
How long is the wait?, Disability Application
The Social Security List of Impairments
Qualifying for Disability, Mental Disability
Disability Lawyer Info, Disability Back Pay

Disability and Medicare- how does it work

You may have heard that it takes two whole years after you get Social Security Disability to receive Medicare coverage, and, to some degree, this is a true statement.

However, there are other things to consider when discussing the two-year wait for Medicare coverage. For instance, your date of entitlement (the true point at which you actually become entitled to receive Social Security Disability) may be several months or even years in the past. This can easily be the case if you claimed on your disability application that you become disabled years ago.

What does this mean as far as your entitlement to Medicare? It may mean that you will be entitled to Medicare as soon as you receive your Social Security Disability approval, instead of having to wait two years.

Here's another reason why a person who has been approved for disability may not have to wait for their medicare coverage to begin. Many individuals who receive their disability allowance from an administrative law judge at a hearing have already been waiting for disability two years or more.

Consequently, when they get approved by a judge, the twenty four month Medicare wait period has already passed and they are entitled to Medicare.

There are two major entitlements involved with Medicare, Part A and Part B. More recently, Medicare Part C and Part D have been added.

Medicare Part A is free coverage that covers some of the expense of hospitalizations. Part B covers some of the expense of doctors’ visits and various types of testing. Part C and D involve prescription and Medigap coverage (health insurance companies offer policies to help pay the twenty percent gap in coverage left by Medicare) and are provided at a cost to qualified Social Security beneficiaries.

Note: Social Security will deduct all Medicare premiums from your monthly Social Security Disability benefit.

Although Parts B, C, and D have a premium, some disabled individuals will qualify for a subsidy to help offset the cost of the premiums of Parts C and D. Of course, to qualify for the subsidy, you must meet the income and resource requirements of the Medicare subsidy program. Some individuals may also qualify for help with paying Medicare Part B premiums, through their local Department of Social Services.

Essential Questions

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The listings, list of disabling impairments

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Filing a Social Security Disability SSI application

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Qualifications for disability benefits

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Qualifying for Disability - The Process

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New and featured pages on SSDRC.com

Who can help me file for disability?

These pages answer some of the most basic questions for individuals who are considering filing a claim.

Can you get temporary Social Security Disability or SSI benefits?

Permanent Social Security Disability

What is the difference between Social Security Disability and SSI?

Who is eligible for SSI disability?

Can I Be Eligible For SSI And Social Security Disability At The Same Time?

What makes a person eligible to receive disability benefits?

Applying for Disability - How long does it take to get Social Security Disability or SSI benefits?

What happens if I file a disability application and it is denied by a disability examiner or Judge?

If you apply for disability in Utah

Getting a Disability Lawyer in Utah

For the sake of clarity, SSDRC.com is not the Social Security Administration, nor is it associated or affiliated with SSA. This site is a personal, private website that is published, edited, and maintained by former caseworker and former disability claims examiner, Tim Moore, who was interviewed by the New York Times on the topic of Social Security Disability and SSI benefits in an article entitled "The Disability Mess" and also by the Los Angeles Times on the subject of political attempts to weaken the Social Security Disability system.

The goal of the site is to provide information about how Social Security Disability and SSI work, the idea being that qualified information may help claimants pursue their claims and appeals, potentially avoiding time-consuming mistakes. If you find the information on this site helpful and believe it would be helpful to others, feel free to share links to its homepage or other pages on website resource pages, blogs, or social media. Copying of this material, however, is prohibited.

To learn more about the author, please visit the SSDRC.com homepage and view the "about this site" link near the bottom of the page.