How do Social Security and Medicare work together for people with disabilities?

Question

Bill Green · Accepted Answer

For people with disabilities, Social Security and Medicare are closely connected. If you're under 65 and approved for Social Security Disability Insurance (SSDI), you’ll automatically become eligible for Medicare after receiving disability benefits for 24 months. At that point, you’ll be enrolled in both Part A and Part B. If you have ALS, Medicare starts right away with no waiting period. Your Part B premium will typically be deducted from your Social Security check, just like it is for those 65 and older. From there, you can choose to add a Medicare Advantage or Part D drug plan—or even a supplement, depending on your situation. It's a complex process, but having someone guide you through your options can really make it easier.

Answered by Bill Green on March 26, 2025

Broker Licensed in FL, AL, AZ & 19 other states

Answered by Bill Green Medicare Insurance Agent

Larry Dalton · Answer

They are different departments altogether, and many of your Medicare premiums can be held directly out of your Social Security account. I always recommend a person to set up their two accounts, one in www.ssa.gov and another one in medicare.gov.

Answered by Larry Dalton on March 29, 2025

Broker Licensed in OK & TX

Answered by Larry Dalton Medicare Insurance Agent

Brian Moore · Answer

When considering Social Security versus Medicare, it’s important to recognize that these are two separate benefit programs from the federal government. Social Security provides financial support, whereas Medicare is health insurance coverage. These two safety net programs work together to support people with disabilities to remain as healthy as possible. As mentioned, for someone looking to gain health insurance coverage via Medicare because of a disability, they must first apply for disability benefits from Social Security.

Answered by Brian Moore on February 16, 2025

Broker Licensed in OH

Answered by Brian Moore Medicare Insurance Agent

Melonie Wood · Answer

When someone is on disability through Social Security, and the person has been on disability 24 months, they become eligible for Medicare, Social Security will hold back another 6 months in the event the disability is resolved, so after a total of 30 months, the person will then acquire Medicare regardless of age.

Answered by Melonie Wood on April 4, 2025

Agent Licensed in FL & AL

Answered by Melonie Wood Medicare Insurance Agent

Christopher Boyd · Answer

Those Americans receiving SSDI will automatically be enrolled into Medicare Parts A & B not later than their 25 month after their SSDI started. If an American citizen is receiving SS benefits other than SSDI (at age 62), they will automatically be enrolled into Parts A&B when they turn 65.

Answered by Christopher Boyd on March 4, 2025

Agent Licensed in IN, KY, MI, OH, PA & TN

Answered by Christopher Boyd Medicare Insurance Agent

James Carlson · Answer

With Advantage plans an individual can have premiums paid from their monthly check.
This is more convenient and assures there will not be a lapse.

Robert Pennington · Answer

Someone who qualifies for disability benefits qualifies for Medicare benefits after 24 months.

Karen Boudreaux · Answer

If you’ve been on Social Security for two years, you automatically get Medicare part a and B and if you’re not 65 you can take advantage of the Medicare advantage plans the HMO and the PPO‘s which include drug plans

Answered by Karen Boudreaux on March 13, 2025

Agent Licensed in TX, AZ, CA & 5 other states

Answered by Karen Boudreaux Medicare Insurance Agent

Leslie Helene Sussman · Answer

Social Security and Medicare work together for those Underage 65.   After 2 years those collecting Disability will typically automatically be enrolled and qualify for Medicare.

Timothy Brown · Answer

A person that that has a qualifying disability and is collecting Social Security income as a result will automatically receive a Medicare card after 24 months of being disabled and unable to return to work.

Answered by Timothy Brown on April 14, 2025

Broker Licensed in PA, CT, DE & 15 other states

Answered by Timothy Brown Medicare Insurance Agent

Michael Kim · Answer

They offer plans like Chronic condition working with people that have disabilities who have Medicaid and Medicare. These plans were specifically designed for disabled bodied people in mind.

Brian Krantz · Answer

If you’re under 65 and on Social Security Disability, you’ll automatically get Medicare after 24 months. Same Parts A and B — just earlier because of your disability.

Aisha Saleem · Answer

If someone is entitled to Social Security Disability Insurance they will be eligible for Medicare. Their Medicare eligibility will have a 24 month waiting period.

How do Social Security and Medicare work together for people with disabilities?

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How do Social Security and Medicare work together for people with disabilities?

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A non-government resource website