I've been on disability for years and am about to turn 65. Do I automatically get Medicare because I'm on Social Security, or do I need to do something?

Answered by 16 licensed agents

If you already have Medicare benefits due to disability, you just continue to have your Medicare benefit. If you like to change your plan such as the Medicare supplement plan, you are eligible to an open enrollment period that begins three months before your 65th birthday and ends three months after your 65th birthday. Please ask your Medicare insurance agent.

If you don't have Medicare benefits now and have enough Medicare credit, you will automatically receive your medicare benefit.

I prefer to access to Social Security Administration on WEBSITE.

https://www.ssa.gov/medicare/sign-up

Answered by Satoshi Aoki on April 15, 2025

Agent Licensed in CA

Answered by Satoshi Aoki Medicare Insurance Agent
When turning 65, Medicare Part A is automatically given to you at no cost. You should not need to do anything, but I would always double-check if you haven’t received your card before you turn 65. Medicare Part B, you sign up for yourself, and if you do not, you’ll be penalized for the rest of your life for every month you go without signing up. Medicare Part D also requires that you sign up when you turn 65, or you’ll be paralyzed for each month that you go without it for the rest of your life. An agent can help you complete these tasks. Having Social Security before turning 65 does not exempt you from these items. You’re still required, and Medicare is separate from Social Security.

Answered by Larry Dalton on April 22, 2025

Broker Licensed in OK & TX

Answered by Larry Dalton Medicare Insurance Agent
Yes. After you`ve been on disability for 24 months, you should be automatically enrolled in Medicare in the 25th month.

Answered by William Lawler on April 6, 2025

Broker Licensed in MO, FL, IA & 12 other states

Answered by William Lawler Medicare Insurance Agent
Yes, when you are within 30 days of reaching the month in which you will turn 65 you will likely need to reapply for Medicaid benefits with DSHS. You are becoming eligible for Medicare at that age and will need to change your health insurance plans.

Answered by Charles Fletcher on April 4, 2025

Agent Licensed in WA, AZ, ID, NV & TN

Answered by Charles Fletcher Medicare Insurance Agent
You usually get Medicare once you have been disabled for 24 months. If for some reason you have not, then you should get it at 65. If you have not heard from Medicare six weeks before the month you turn 65, you should contact Social Security.

Answered by David Bell on April 15, 2025

Agent Licensed in ID, AZ, CA & 8 other states

Answered by David Bell Medicare Insurance Agent
You will transition from Medicare disability to original Medicare. You get a golden enrollment opportunity like everybody else.you get a chance to buy a supplement at a reduced rate and have all your expenses covered. Once you get out of your golden enrollment, chances of getting approved later are very slim. Highly encourage exploring all options.

Answered by Christopher Palazzini on April 4, 2025

Broker Licensed in FL, CA, GA & 6 other states

Answered by Christopher Palazzini Medicare Insurance Agent
Yes, if you're receiving Social Security disability benefits and are about to turn 65, you'll be automatically enrolled in Medicare Part A and Part B. You don't need to do anything to enroll, but you can choose to delay Part B if you have other creditable coverage.

Answered by Jason Rubin on April 7, 2025

Broker Licensed in CA, AK, AL & 33 other states

Answered by Jason Rubin Medicare Insurance Agent
It should turn into SSI instead of SSDI and Medicare should automatically be signed up since social security and Medicare are connected. But I would always double check and make sure so no penalties are assessed.

Answered by Daniel Weeks on May 2, 2025

Broker Licensed in MN & WI

Answered by Daniel Weeks Medicare Insurance Agent
If you were disabled for 24 months or longer (SSDI) you would have been given Medicare at that point. If not, yes, you will receive a Medicare card automatically during the 4th month before your birthday month, and it will be effective on the first day of your 65th birthday month. You get the opportunity to choose a Medicare supplement or Medicare Advantage plan, too. Even if you had Medicare because of your disability, when you turn 65, you get to make another Medicare plan selection due to turning 65.

Answered by Jane Ahrens on May 5, 2025

Broker Licensed in NY, AL, AZ & 16 other states

Answered by Jane Ahrens Medicare Insurance Agent
That depends on your current MEDICARE situation. You say you have been on disability but you don't say if you already have MEDICARE. My daughter is on disability from her job and does NOT have MEDICARE yet...therefore when she turns 65 she will have to apply for MEDICARE.

Answered by John L Herman Jr on April 14, 2025

Broker Licensed in MD, DE & PA

Answered by John L Herman Jr Medicare Insurance Agent
Normally, if you are drawing Social Security then you are automatically signed up for Medicare.

Seems funny, if you are on Social Security, then after 24 months on Social Security Disabilty you should already be signed up for Medicare. You will, have a limited period of time to sign up for different Medicare plans and have guaranteed issue.

Answered by Michael Pyers on April 24, 2025

Broker Licensed in OH & MI

Answered by Michael Pyers Medicare Insurance Agent
You are eligible for A& B when you turn 65. You can call Social Security about any of your benefits questions. You may also access everything online through the social security website ssa.gov

Answered by Deborah Webster on May 1, 2025

Broker Licensed in Ia & SC

Answered by Deborah Webster Medicare Insurance Agent
If you have been diagnosed by a Doctor to be disabled for more that 2 years CMS will put you on Medicare. Do you receive SSID checks another indication of Medicare eligibility. If you have been on disability for years it is a caution flag why you are not already on Medicare. I would call Medicare to verify or contact your agent to assist

Answered by Bob Nunn on April 27, 2025

Agent Licensed in FL, AL, AR & 36 other states

Answered by Bob Nunn Medicare Insurance Agent
If you had Medicare before turning 65 to disability you will need to re-evaluate. Some things change once you hit that 65 landmark. Meet with a reputable brokerage. They'll walk you through those changes and your new options.

Answered by Angela Olson on May 2, 2025

Broker Licensed in UT, AZ, CO & 5 other states

Answered by Angela Olson Medicare Insurance Agent
When you turn 65 and are already receiving Social Security Disability Insurance (SSDI), your disability benefits will automatically convert to Social Security retirement benefits. The monthly payment amount you receive generally remains the same. You don't need to re-apply or take any action for this conversion to occur. Additionally, turning 65 is also when you become eligible for Medicare, and you can make changes or additions to your Medicare coverage if needed.

Answered by Vincent Gatewood on May 1, 2025

Broker Licensed in NC, FL, GA, MO & TX

Answered by Vincent Gatewood Medicare Insurance Agent
You will need to call your local social security office and double check. Sometimes when you are on disability it happens automatically but I would DOUBLE check that forms dont need filled out. If forms need filled out, thats a process. Submit those asap or they can add FEES if you dont. Let me know if you need any help.

Answered by Kimberly Pittl on April 8, 2025

Agent Licensed in OH

Answered by Kimberly Pittl Medicare Insurance Agent

Tags: New To Medicare Social Security The Medicare System Turning 65

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