If I have been on disabilty due to an accident, do I qualify for Medicare Insurance?

Question

Clare Burley · Accepted Answer

Yes, if someone has been on disability for 24 month or more, they are eligible for Medicare. Once someone has Part A and B in place, we can shop different plan options to ensure they have all of their puzzle pieces in place and have access to the care that they need!

Answered by Clare Burley on May 6, 2025

Broker Licensed in CO, ID, KS & 7 other states

Answered by Clare Burley Medicare Insurance Agent

Steve and Sue Brauer · Answer

If you are under 65, and your disability has been ongoing for at least 24 months, you should qualify for Medicare under those circumstances. Workers Comp plays a part in that, but your Medicare may be available to you if you are deemed "permanently disabled".

Answered by Steve and Sue Brauer on April 8, 2025

Broker Licensed in AZ & CA

Answered by Steve and Sue Brauer Medicare Insurance Agent

Lt Col Tim Brown · Answer

You might.  Call Medicare to make your inquiries if they will take you.  You can also call SHIP (state health insurance program to see if you can qualify).

William Lawler · Answer

Yes, after you have been on disability for 24 months. In the 25th month, you will be automatically enrolled in Medicare. Bill Lawler

Andrew Zurbuch, MBA · Answer

On Original Medicare for Part A & Part B you would qualify after receiving 24 Disability income payments. You would call Social Security. Thank you.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Melonie Wood · Answer

If you re on disability for 24 months, you qualify for disability. Medicare will hold back 6 months to see if the disability resolves itself. After 30 months a person on disability will get a Medicare Card

Answered by Melonie Wood on April 8, 2025

Agent Licensed in FL & AL

Answered by Melonie Wood Medicare Insurance Agent

Randall Taylor · Answer

A person under age 65 must have SSI disability (from Social Security) for 24 consecutive months and then will automatically qualify for Medicare Disability. Then, to have a Medicare Advantage plan, you must also have Medicare Parts A & B. This is usually automatic with receiving Medicare Disability. However, there is a monthly premium to be paid for Part B which is automatically deducted from Social Security income deposits.

Answered by Randall Taylor on July 7, 2025

Broker Licensed in TX, MI & WI

Answered by Randall Taylor Medicare Insurance Agent

David Moscowitz · Answer

Yes depending on your situation as long as you have worked for 24 months before the disability you automatically qualify for Medicare benefits.
Also people with end stage Renal disease also qualify and or W/other various ailments collecting SSDI benefits.

Timothy Brown · Answer

Medicare eligibility depends on a following: 

1. It has to be deemed as permanent and fall under the qualifying disability category under Medicare. i.e. You can no longer work at which point you would qualify for SSDI (Social Security Disability Income). Your doctor will be the one to confirm the disability.

2. If Medicare approves the disability and you're under age 65, then there is a 2-year waiting period from the time you file before you receive a Medicare card.

Steve Houchens · Answer

After you have been on disability for 24 months you are then eligible for Medicare. This will go back to your entitlement date to start the 24 months counting period.

Dionisio Guillermo · Answer

YES, anybody who receives SSDI (Social Securitity Disability Insurance) benefits will be eligible for Medicare after 2 years of receiving those benefits including those who are disabled due to accident.

Answered by Dionisio Guillermo on May 24, 2025

Agent Licensed in HI

Answered by Dionisio Guillermo Medicare Insurance Agent

Iris Olive · Answer

Great question! It’s a possibility, yes. It depends if you’re classified as disabled from Social Security. You can call me & we can talk about it some more.

Tabitha Kampfer · Answer

You would qualify for Medicare if you were on disability for 24 consecutive months. At that point, yes you would qualify.

Sheila Dow · Answer

After you have been collecting SSDI for 24 months, you will be eligible for Medicare due to the Disability. If you turn 65 at anytime during the 24 month period, you will be eligible for Medicare based on your age (65) and will not have to wait for the 24 months

Answered by Sheila Dow on July 14, 2025

Agent Licensed in CT

Answered by Sheila Dow Medicare Insurance Agent

James Schneider · Answer

Once you are on disability for 24 months, then in the 25th month you may sign up for Medicare. Apply at Social Security.gov

Fred Manas · Answer

Yes, if you have been granted Social Security Disability Insurance (SSDI) benefits due to a disability, including one resulting from an accident, you are eligible for Medicare after receiving SSDI for 24 months. During this 24-month period, you are considered a qualifying beneficiary for Medicare. 
Elaboration:
SSDI and Medicare:
.
Receiving SSDI benefits is a key factor in becoming eligible for Medicare, especially if you're under 65. 
24-Month Waiting Period:
.
There's a 24-month waiting period after you start receiving SSDI benefits before you automatically enroll in Medicare Part A and Part B. 
Exceptions to the Waiting Period:
.
If you have End-Stage Renal Disease (ESRD) requiring dialysis or a kidney transplant, or Amyotrophic Lateral Sclerosis (ALS), you may qualify for Medicare almost immediately, regardless of the 24-month waiting period. 
Medicare Part A and B:
.
Medicare Part A covers hospital stays and some other healthcare services, while Part B covers doctor visits, outpatient care, and other medical services. 
Medicare Part C and D:
.
You may also choose to enroll in Medicare Part C (Medicare Advantage plans) and Part D (prescription drug coverage). 
Employer Coverage:
.
During the 24-month waiting period for Medicare, you may still have coverage through your employer's health insurance plan, according to the Social Security Administration (.gov).

Andrew Kramer · Answer

If you are on social security disability, you automatically are enrolled in Medicare, 2 years after starting to receive disability money from the SSA. But if you are on private disability insurance, you do not get Medicare.

Answered by Andrew Kramer on June 6, 2025

Agent Licensed in FL

Answered by Andrew Kramer Medicare Insurance Agent

Todd Bostic · Answer

If you are disabled and unable to work anymore, you have to be on disability for 24 months and then you get Medicare, but if it is something you will heal from, then no.

Toni Chavez · Answer

If you accident-related disability qualifies you for SDDI and you receive your first SDDI payment after the 5-month waiting period, and 

You’ve been on SSDI for 24 full months

…then you will be automatically enrolled in Medicare when that 24-month SSDI period ends.  Once you have Part A and Part B you qualify for enrolling in a Medicare Advantage Plan (Part C)

If your disability isn’t related to ALS/ESRD, no exceptions apply

Karen Ansell · Answer

Yes, Once you are disability for 24 months you will automatically qualify for Medicare coverage. No matter the reason for your disability.

Andy Kelly · Answer

Yes! When you turn 65, you'll be able to choose Original Medicare with a Medicare Supplement or a Medicare Advantage Plan, based on your individual needs and preferences.

Bob Nunn · Answer

To get disability from Medicare someone has to be determined to be disabled for 2 years . Once disabled for 2 years determined by a Doctor you will be eligible.

Humara Riaz · Answer

•	If you’ve been receiving SSDI benefits for 24 months, you will be automatically enrolled in Medicare Part A and Part B.
	•	Your Medicare coverage will usually begin in the 25th month of receiving SSDI benefits.
	•	You may also be eligible for Medicare Advantage Plans (Part C) or Prescription Drug Plans (Part D) depending on your needs and what’s available in your area.

Brenda Watson · Answer

No not necessarily.  To qualify, for Medicare, via disability, you have to be on social security disability for 24 months, then the 25th month Medicare would start.

Julia Alves · Answer

The answer to this, like in a lot of questions about Medicare, is: it depends!

Here are 2 questions to ask yourself:
1. Are you receiving Social Security Disability Insurance (SSDI)? (Key Word --> Social Security!)
2. If so, has it been 24 months since you started receiving SSDI?

If yes to both, the answer is YES, you do qualify for Medicare Insurance and should usually be automatically enrolled starting that 25th month.

Jennifer Dixon · Answer

You have to have a qualifying disability.   You also have to be on disability for two years before you qualify for Medicare

Shannon Brenneke · Answer

If you receive Social Security Disability Insurance (SSDI) benefits, you typically become eligible for Medicare after 24 months of receiving those benefits.

Jim Towle · Answer

Yes, you may qualify for Medicare insurance if you’ve been on disability due to an accident — but it depends on how long you've been receiving Social Security Disability Insurance (SSDI) and a few other factors.

Here’s a full explanation:

Medicare Eligibility for People on Disability
General Rule:
If you’ve been receiving Social Security Disability Insurance (SSDI) benefits for 24 months, you automatically qualify for Medicare, even if you’re under age 65.

What Matters Most
1. Are You Receiving SSDI?
If yes, and you’ve received it for at least 24 months (not necessarily in a row), you are eligible for:

Medicare Part A (hospital insurance) – usually premium-free

Medicare Part B (medical insurance) – has a monthly premium

You’ll be automatically enrolled in Medicare starting in the 25th month of SSDI benefits.

You’ll get a Medicare card in the mail before coverage begins.

2. If You’re Not Receiving SSDI:
You must be approved for Social Security Disability Insurance to become eligible for Medicare.

Private disability income, workers’ comp, or other non-SSDI programs do not qualify you for Medicare.

3. Are There Exceptions to the 24-Month Waiting Period?
Yes. You may qualify for Medicare immediately (no waiting) if:

You have Amyotrophic Lateral Sclerosis (ALS) – Medicare starts the same month your SSDI starts.

You have End-Stage Renal Disease (ESRD) – you may qualify for Medicare a few months after starting dialysis or getting a kidney transplant, even without SSDI.

What You Need to Do

 If You Are Already Receiving SSDI:
You don’t need to apply for Medicare — enrollment is automatic in your 25th month.

You’ll receive a red, white, and blue Medicare card in the mail a few months before coverage begins.

If You’re Not Yet on SSDI:
Apply through Social Security as soon as possible.
Once approved, keep track of your monthly benefit dates to know when Medicare will begin.

Lenora Sikkenga · Answer

Yes.  If you are disabled or have end stage renal disease, you can qualify for Medicare before the age of 65.

Carl-Daniel Cole · Answer

Yes, if you’ve been receiving Social Security Disability benefits for 24 months, you typically qualify for Medicare automatically—regardless of your age. You’ll be enrolled in Parts A and B unless you choose to delay.

Answered by Carl-Daniel Cole on May 23, 2025

Broker Licensed in MO, AL, AR & 23 other states

Answered by Carl-Daniel Cole Medicare Insurance Agent

Veronique Kasbarian · Answer

would be on  disability for straight 24 month (2 years) to qualify SSI, after 24 month you would be automatically enrolled in Part A and Part B

Aaron Young · Answer

You qualify for Medicare benefits after you have been receiving Social Security Disablity compensation for a 24 month period, regardless of your age. Our youngest client on Medicare is only 22 years old.

Answered by Aaron Young on April 8, 2025

Agent Licensed in OK, AR, GA & 6 other states

Answered by Aaron Young Medicare Insurance Agent

China Conley · Answer

If you are receiving SSIDI disability and have been on it for 24 months are longer than yes you would be eligible.

Shaneathia Armstrong · Answer

Yes, you can qualify for Medicare if you’ve been on disability. In most cases, if you’ve been receiving Social Security Disability benefits for 24 months, you’re automatically enrolled in Medicare (Parts A and B). Some conditions, like ALS or end-stage kidney disease, may qualify you even sooner.

Answered by Shaneathia Armstrong on August 28, 2025

Broker Licensed in TN, FL, KY, MI & NC

Answered by Shaneathia Armstrong Medicare Insurance Agent

If I have been on disabilty due to an accident, do I qualify for Medicare Insurance?

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