Medicare and Social Security Disability - Basic Facts
If you are awarded disability with the Social Security Administration, do you have insurance coverage? Most likely you will not initially be entitled to any type of medical insurance through Social Security. Medicare has a twenty-four month qualifying period, consequently a disabled individual will not be entitled to Medical insurance through the Medicare Insurance program until the twenty-four month qualifying period has elapsed.
However, Medicare is not the only insurance program linked to Social Security Disability. Social Security administers two disability programs, and one of those programs, SSI, is a need-based program. If an individual is qualified for SSI disability, they are automatically entitled to Medicaid. Medicaid is a need based program as well, consequently there is no two year wait for entitlement, although you do have to meet the income and resource limits.
Additionally, many-disabled individuals who receive their disability approval at the administrative law judge hearing have already served their twenty-four month qualifying period for Medicare entitlement prior to the date of their hearing.
What does this mean to the disabled individual? It means that when they begin to receive their Social Security Disability benefit, they will already be covered by Medicare insurance.
Medicare Coverage through Social Security Disability
Do I automatically get Medicare if I'm approved for disability?
About the Author: Tim Moore is a former Social Security Disability Examiner in North Carolina, has been interviewed by the NY Times and the LA Times on the disability system, and is an Accredited Disability Representative (ADR) in North Carolina. For assistance on a disability application or Appeal in NC, click here.
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