Overview of Disability

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Your Medical Evidence

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Disability Eligibility

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SSDRC Disability Blog

SSD and Medicare Benefits in Missouri

An advice column for social security disability applicants rendered the statement "You are eligible for medicare after you have been on SSD for two years.

I think I've responded to this one several times but it's probably worth repeating: in most cases, you don't actually have to be on SSD for two years before you can receive medicare benefits. But let me be more specific than that to avoid any confusion---after you have been approved for disability benefits, you don't necessarily have to wait two full years before you can receive medicare.

This can be confusing, I know, and this is probably why I run into so many occurrences of individuals stating that you can't receive medicare until you've been on SSD for two years. But this is how it works:

When an individual is approved in Missouri to receive social security disability benefits, an established onset date, or EOD, is set. The established onset date simply means "when a person's disability started".

How far back the onset date can be set is certainly an important matter. It will affect how much a claimant may receive in back pay benefits, but it is also important in terms of medicare. So for this reason, it is vital that a claimant can not only present sufficient medical record documentation to establish an ongoing state of disability, but also establish the earliest possible date of onset.

At the initial claim level, onset is determined by the disability examiner who has been assigned to the case. Once the onset date has been determined, a claimant's eligibility to receive disability benefits will begin five months from this date. This five month time frame is known as the five month waiting period. If you haven't already figured it out, it is a very convenient way for the government to basically rob you of five months of your disability benefits, and for no good reason.

Now back to medicare eligibility. After the established date of onset (when your disability began, according to the medical records) has been determined, and the five month waiting period has been added to this (this becomes your effective date of entitlement, the point at which you are now eligible to receive disability benefits), your medicare eligibility begins two years from this time.

At first glance, it might seem as though a claimant who has just been approved will have to really wait two full years before they can receive medicare. However, this is typically not the case and here's why. Most social security disability cases drag on for two to three years, meaning that by the time most claimants are approved following a disability hearing, they will most likely have "served" some or all of the two year medicare waiting period.

So, if you get awarded disability benefits, will you have to wait two years for medicare? In a small percentage of cases, that might be true. But many approved applicants will not have to wait more than a few months, and many will not have to wait at all.


1. How long does it take to get a disability hearing scheduled?
2. How long does it take to get a disability hearing?
3. How long does it take to get a decision after a disability hearing?
4. How to get a disability hearing scheduled faster?
5. Getting a faster disability hearing scheduled
6. Can an attorney get you a faster disability hearing?
7. Disability hearing decision timeframe
8. ALJ disability hearing decisions
9. What to expect at a disability hearing
10. What happens when you go to a disability hearing?
11. After a disability hearing, what happens?

Return to:  Social Security Disability Resource Center, or read answers to Questions

Filing for disability in Missouri

Applying for disability in Missouri

Whether or not to file for Social Security Disability in Missouri

File for disability in Missouri and prepare to wait

Qualifying, will I qualify for disability in Missouri?

Getting a Disability Lawyer in Missouri

Disability criteria, qualifying and qualifications in Missouri

What is a disability in Missouri?

Criteria for Social Security Disability and SSI in Missouri

What is a Qualifying Disability in Missouri for Social Security?

How to qualify in Missouri

Qualifying for disability in Missouri

How do you qualify for SS disability in Missouri?

Missouri disability qualifications, will I qualify?

General questions about disability in Missouri

Can you get a quick disability approval in Missouri?

Contacting Social Security for a Disability Claim in Missouri

Work credits and a Missouri Social Security Disability Award

Filing, applying for Disability in Missouri with Depression

Online disability appeal in Missouri

Review of my SSDI or SSI Case in Missouri

Missouri disability benefits

Social Security Disability Income in Missouri

How much will I receive if I am approved for disability in Missouri?

Disability benefits for children in Missouri

If you get approved for SSD in Missouri, do your kids get SSI?

SSD and Medicare Benefits in Missouri

Approved for disability and medicare in Missouri

Disability hearings in Missouri

Social Security Disability Hearings in Missouri

How do you file for a disability hearing in Missouri?

Will I get approved by a disability judge in Missouri?

How long for an ALJ disability hearing decision in Missouri?

Lawyer for a disability hearing in Missouri

How many are Approved at a Social Security Disability Hearing in Missouri?

Request for a Social Security Disability Hearing in Missouri

Disability denials in Missouri

What to do if a disability application is denied in Missouri

Why is disability denied in Missouri?

What if you receive a Denial at a Disability Hearing in Missouri?

Missouri SSI disability

Filing for SSI or Supplemental Security Income in Missouri

Supplemental Security Income in Missouri

Will SSI disability in Missouri qualify you for other benefits?

Who Qualifies for SSI Disability Benefits in Missouri?

Disability lawyers, attorneys in Missouri

Do I need a lawyer to get disability benefits in Missouri?

How do you choose a Social Security Disability Attorney in Missouri?

What does a Disability Lawyer in Missouri Charge if the Disability Case is Lost?

Cost of a disability lawyer in Missouri

Disability Lawyers for Social Security Claims in Missouri

How long does disability take in Missouri?

How long for a Decision for Social Security Disability in Missouri?

How Long Can you Receive Social Security Disability in Missouri?

How to Speed up a Social Security Disability Claim in Missouri