If I have been on disabilty due to an accident, do I qualify for Medicare Insurance?
Answered by 30 licensed agents
Answered by Clare Burley on May 6, 2025
Broker Licensed in CO, ID, KS & 7 other states
Answered by Lt Col Tim Brown on June 11, 2025
Broker Licensed in TN, AL, CO & 10 other states
Answered by William Lawler on June 12, 2025
Broker Licensed in MO, FL, IA & 12 other states
Answered by Melonie Wood on April 8, 2025
Agent Licensed in FL & AL
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.
Answered by Andrew Zurbuch, MBA on July 23, 2025
Broker Licensed in IN, FL, KY, MO, OH & TN
Answered by Randall Taylor on July 7, 2025
Broker Licensed in TX, MI & WI
Also people with end stage Renal disease also qualify and or W/other various ailments collecting SSDI benefits.
Answered by David Moscowitz on April 22, 2025
Agent Licensed in NY
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.
Answered by Timothy Brown on June 12, 2025
Broker Licensed in PA, CT, DE & 15 other states
Answered by Steve Houchens on June 16, 2025
Agent Licensed in KY & TN
Answered by Dionisio Guillermo on May 24, 2025
Agent Licensed in HI
Answered by Iris Olive on July 22, 2025
Broker Licensed in TX, AK, AR & 15 other states
Answered by Tabitha Kampfer on August 5, 2025
Agent Licensed in WA
Answered by James Schneider on July 14, 2025
Broker Licensed in OH, FL & MI
Answered by Sheila Dow on July 14, 2025
Agent Licensed in CT
Elaboration:
SSDI and Medicare:
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Receiving SSDI benefits is a key factor in becoming eligible for Medicare, especially if you're under 65.
24-Month Waiting Period:
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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:
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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:
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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:
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You may also choose to enroll in Medicare Part C (Medicare Advantage plans) and Part D (prescription drug coverage).
Employer Coverage:
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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).
Answered by Fred Manas on May 19, 2025
Agent Licensed in NY, CT, DC & 7 other states
Answered by Steve Brauer on April 8, 2025
Broker Licensed in AZ & CA
Answered by Andrew Kramer on June 6, 2025
Agent Licensed in FL
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
Answered by Toni Chavez on June 12, 2025
Broker Licensed in AZ, CA, NM, NV & UT
Answered by Bob Nunn on April 22, 2025
Agent Licensed in FL, AL, AR & 36 other states
• 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.
Answered by Humara Riaz on June 12, 2025
Broker Licensed in TX, AL, AR & 23 other states
Answered by Andy Kelly on June 26, 2025
Agent Licensed in WA & OR
Answered by Jennifer Dixon on May 27, 2025
Agent Licensed in GA & TN
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.
Answered by Julia Alves on April 18, 2025
Broker Licensed in FL, AZ, GA & 5 other states
Answered by Shannon Brenneke on April 21, 2025
Agent Licensed in MO
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.
Answered by Jim Towle on August 2, 2025
Broker Licensed in AL
Answered by Lenora Sikkenga on May 5, 2025
Broker Licensed in NV
Answered by Carl-Daniel Cole on May 23, 2025
Broker Licensed in MO, AL, AR & 23 other states
Answered by Veronique Kasbarian on April 3, 2025
Broker Licensed in CA, AZ, ID, NV, OH & TX
Answered by Aaron Young on April 8, 2025
Agent Licensed in OK, AR, GA & 6 other states
Answered by China Conley on May 5, 2025
Broker Licensed in IN
Tags: Eligibility
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