How do Social Security and Medicare work together for people with disabilities?
Answered by 22 licensed agents
Answered by Bill Green on March 26, 2025
Broker Licensed in FL, AL, AZ & 19 other states
Answered by Larry Dalton on March 29, 2025
Broker Licensed in OK & TX
Answered by Brian Moore on February 16, 2025
Broker Licensed in OH
Answered by Melonie Wood on April 4, 2025
Agent Licensed in FL & AL
Answered by Brian Krantz on March 25, 2025
Broker Licensed in NY, AK, AL & 48 other states
This is more convenient and assures there will not be a lapse.
Answered by James Carlson on March 28, 2025
Agent Licensed in MN
Answered by Christopher Boyd on March 4, 2025
Agent Licensed in IN, KY, MI, OH, PA & TN
Answered by Robert Pennington on March 25, 2025
Broker Licensed in NC, GA, SC & VA
We want to find out what your full retirement age is. We want to find out what your health history is, and what your partner’s health history is.
There are a lot of loaded questions here, and it’s very individualized based on your finances. Whether you’re divorced or remarried, there’s a whole lot to consider, so it’s really hard to narrow this question down.
It is case-by-case, and there’s very little generic information that applies.
This is where it’s a good idea to sit down with me, to go over many questions that will help guide us to the right decision, whether we move forward in putting you into a Medicare plan, or we tell you to hold off.
I had a phone call this morning from a client who said her husband is seven years younger than her, and she’s going to be 65 in six months. His company will pay for her insurance until he retires.
So if he’s seven years younger, he’s got more years to work before he retires. But the insurance she’d be paying for is a lot of money.
We did the calculations, and we figured it’s probably a good idea for her to go ahead and take her Medicare.
She’s also not healthy, she’s very stressed, and she doesn’t know if it’s worth it for her to stay working, so we came up with a plan.
I also asked many questions, and that’s how we were able to come up with that solution.
If you are under 65, you can get on disability if deemed by a medical professional and by Social Security. It starts as permanent coverage after your 24th month.
Answered by Hope Suhr on May 21, 2025
Broker Licensed in CA, AZ, MO & OR, SC, TN & TX
Answered by Karen Boudreaux on March 13, 2025
Agent Licensed in TX, AZ, CA & 5 other states
Answered by Shane and Tammy Carpenter on April 28, 2025
Broker Licensed in OK, AR, FL & 5 other states
Here's the key: Once approved by either agency, 24 months must first elapse where at that point, you CAN become Medicare-eligible, no matter what age. However, if you have not attained age 65, you can only acquire an Advantage plan with drug coverage. Though, when you are close to being Medicare-eligible, you have the right to switch over to a Med. Supplement, at your discretion. Since you are in a special category, it is imperative at that time to thoroughly review those 2 plans to see which plan makes the most sense for your household. The Supplement (aka, a Medigap plan) has a monthly premium while the Med. Advantage (MA) plan has no monthly premium due to being Govt-subsidized. But the "give and take" there is that each MA plan contains a deductible every year. If you were hospitalized for example, you'd be responsible for upwards of $3,000.00 every year instead of paying the premium.
Answered by Steven Bleicher on May 27, 2025
Broker Licensed in AZ
Answered by Timothy Brown on April 14, 2025
Broker Licensed in PA, CT, DE & 15 other states
Answered by Leslie Helene Sussman on March 31, 2025
Broker Licensed in NJ, FL & PA
Answered by Michael Kim on March 25, 2025
Agent Licensed in NV, AR, AZ & 18 other states
Once it has been determined by Social Security that an individual can no longer work do to disability, then that person could qualify for SSDI. Once this person has received benefits for 2 years, they become eligible for Medicare.
Answered by Tammy Stoner on May 14, 2025
Broker Licensed in UT, AK, AZ & 7 other states
Answered by Jeremy Henry on May 14, 2025
Broker Licensed in VA
Here's a more detailed breakdown:
SSDI and Medicare Eligibility:
SSDI recipients automatically qualify for Medicare after receiving benefits for 24 months.
Automatic Enrollment:
Upon reaching this 24-month mark, Social Security automatically enrolls the individual in Medicare Parts A and B, says AARP.
Premium Payment:
While Part A is generally premium-free, there is a premium for Part B. Premiums for Medicare Parts B, C, and D can be deducted directly from Social Security payments, according to AARP.
Work Incentives:
Social Security provides work incentives for those receiving SSDI benefits, including a Trial Work Period and Extended Period of Medicare Coverage.
Medicaid:
Some individuals receiving SSDI may also qualify for Medicaid, which provides additional healthcare coverage
Answered by Fred Manas on May 19, 2025
Agent Licensed in NY, CT, DC & 7 other states
Answered by Sam Silva on May 21, 2025
Broker Licensed in FL, GA, NJ & 7 other states
Answered by Aisha Saleem on March 13, 2025
Agent Licensed in MD & FL
Answered by Michael Turkaly on April 25, 2025
Agent Licensed in MI
Once you've received SSDI benefits for 24 months, your Medicare Parts A & B (A&B) become active on the 25th month. It’s also important to determine if a Medicare Advantage plan or stand-alone drug plan plus a Medicare Supplement is an addition to consider along with your A&B. Work with a local and reputable licensed professional that can assist you with this process at least two months before your 25th month of SSDI.
Answered by Mark Mabaquiao on May 24, 2025
Broker Licensed in NV, AZ, CA, FL, HI & IL
Tags: Social Security
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