While monthly disability benefits are a significant replacement for lost income, Social Security Disability Insurance (SSDI) benefits do not cover the costs of medical expenses related to your disability. If you have been awarded Social Security Disability benefits, you will likely qualify for Medicare benefits.
Medicare is a federal health insurance program. Medicare benefits are available to retired people age 65 and over, and also available to people under age 65 who are disabled and can no longer work.
Unfortunately, once you are awarded Social Security Disability, your Medicare coverage does not begin until 24 months after the onset date of your disability. There are several exceptions to the 2-year waiting period including individuals who have the following conditions:
- Lou Gehrig’s disease
- End-stage renal disease
What Medicare Benefits Will I Receive?
In most cases, you will be enrolled in Part A and Part B.
Medicare Part A is hospital insurance which covers inpatient hospital bills, emergency services and certain other treatments. Part A is covered by taxes you already paid during your years of employment, and therefore does not cost you anything.
Medicare Part B pays for doctor visits and outpatient care and certain other medical care. If you elect to receive Part B, you will pay a premium that will be deducted from your SSD benefits. This may affect your monthly Social Security Disability check.
You will also be eligible for a Medicare Part D prescription drug coverage plan. Premiums are paid for Part D as well.
