If you are living with a disability in the United States, you may be wondering if you are eligible for Medicare. You might think that as a disabled person, getting government-funded health insurance would be easy-peasy-lemon-squeezy. But unfortunately, the answer is not always clear-cut. Don’t worry though! In this article, we will walk through everything you need to know about how to receive Medicare when having disabilities.
Understanding Disability and Eligibility Criteria
Before we get into the nitty-gritty of things like Medicare enrollments and financial assistance options, let’s clarify what it means to have a disability under Social Security law (we said it’d get technical!). According to America’s favorite federal agency (not that there are many of those), “The definition of disability under Social Security is different than other programs.”
In order to qualify as “disabled” by Social Security standards:
– Your condition must prevent you from doing substantial work.
– That condition must last at least 12 months or result in death.
Furthermore, be aware that applying for disability benefits can take time –plenty– so prepare yourself mentally and financially (start saving). The process often requires medical documentation backing up your claim and appeals after denied applications which can make one feel blue but persistence pays off eventually (and blue has never looked better on anyone 😉).
After your application has been accepted by SSDI (aka Social Security Disability Insurance), you may want to look into potential additional funding offered via Supplemental Security Income(SSI) program which offers extra help based on income qualifications…as long as they believe YOU -that’s right YOU– did not properly plan your lottery-winning-bonanza (sarcasm, obviously).
Once insured through SSDI or deemed eligible for SSI , enrollees should explore their healthcare options including, you guessed it: Medicare.
Medicare Eligibility for Disabled Individuals
If you are already receiving SSDI benefits or meet specific disability requirements and income limits under SSI, then the good news is that 2 years after the onset date of your disability— should have passed (unless of course a genetic miracle happened)–you qualify to receive Medicare (cue inner-cash-register sound cachinnate)!
This doesn’t mean that if you had already been diagnosed with a serious condition for over two years you will now still have to wait those two years (that’d be cruel). On the contrary – kudos to ya -because time spent living with an eligible disability can count towards waiting-period fulfilment. So take a deep breath and just relaxxxxx 🧘🏾.
Forms of Assistance Available for Disabled individuals on Medicare
Everyone loves FREE stuff -no matter how big/small- this also applies when one receives dis-benefits! That’s where extra financial support comes in; There’s more than one way (not trying to burst everyone’s bubble but there is no pirate treasure here)
Here are some options available:
Dual eligibility…sounds like something NASA would come up with but fear not ladies ‘nd gents, dual eligibility means persons meeting certain disability & low-income criteria can benefit from both programs simultaneously
Part D Low Income Subsidy(Extra Help)
Anyone who has shopped insurance knows price matters heavily in selection process…and anyone who shops anything knows subsidies are our friends– they reduce out-of-pocket expenses.
With LIS , beneficiaries’ monthly payments toward drug prescriptions may even drop down all the way…to ZEROOOO
Oh yeah! Stay hyped 💃🏽!
By nature Medigap policies provide extra coverage needed/required by seniors etc.-yet, disabled individuals often also benefit from having additional coverage to fill in gaps left by Medicare.
Thankfully, there are affordable plans for the financially-conscious individuals (hint: it’s definitely worth a checking out -wink,wink ).
In conclusion folks…YES, disabled persons can receive Medicare benefits! Sure, Eligibility Guidelines can be hair-pulling but we hope that our language made them more bearable by being livelier .
As with anything healthcare-related, taking time to research and understand policies can save you money while enabling better medical care; so take the initiative…start now (unless you want your wallet/purse on life-support)!
Remember that success of pursuing SSDI &/or SSI may depend upon degree of disability so trust those experienced helpers around us as well if ever feeling bewildered.
Hey there, I’m Dane Raynor, and I’m all about sharing fascinating knowledge, news, and hot topics. I’m passionate about learning and have a knack for simplifying complex ideas. Let’s explore together!
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