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What Insurance Do You Get With Social Security Disability?


What Insurance Do You Get With Social Security Disability?

If you have a disability that prevents you from working, you probably know about the financial assistance available through the Supplemental Security Income and Social Security Disability Insurance programs of the Social Security Administration. The monthly benefits in the form of cash payments available through the SSDI and SSI programs can sometimes overshadow the fact that each of them also provides insurance to pay for medical care and treatment.

When you entrust the handling of your claim for benefits to an SSD lawyer or disability advocate at London Disability, you have someone with an unsurpassed knowledge of the law and regulations working for you. We make certain that you get the Social Security disability benefits that you are entitled to receive, including medical insurance.

The following information gets you started toward understanding the health insurance coverage that you get with Social Security disability. Coverage is different for people entitled to SSI benefits than it is for someone receiving SSD benefits through SSDI, but a consultation with an SSDI and SSI lawyer or disability advocate at London Disability will help you determine the coverage that applies in your particular situation.

Medicare Coverage And SSDI

If you have a work history and paid Social Security taxes on the income earned from employment or self-employment you may qualify for Social Security disability benefits through the SSDI program. SSDI recipients become eligible for Medicare 24 months after they begin receiving benefits.

The 24-month waiting period before the start of Medicare coverage does not apply to someone disabled because of permanent kidney failure who requires dialysis or a kidney transplant. It also does not apply to someone who has been diagnosed with amyotrophic lateral sclerosis (ALS) or Lou Gehrig’s disease.

When you do become eligible for Medicare, the coverage that you receive is Medicare Hospital Insurance or Part A coverage. If you qualify for SSDI, you do not pay for Medicare Part A, which covers the cost of medical care provided at a hospital. Part A coverage does not pay for office visits and other types of medical care that are not provided at a hospital. For that type of coverage, you would need Medicare Part B.

Medicare Part B, or Supplemental Medical Insurance, covers outpatient treatment by health care providers. If you are eligible for Medicare Part A, you may obtain Part B coverage by agreeing to pay the premium for it.

Medical Coverage During The 24-Month Waiting Period

If you qualify for SSDI benefits and need medical insurance during the 24-month period before becoming eligible for Medicare insurance, you may qualify for Medicaid coverage. Medicaid is a joint state and federal program providing health insurance coverage to low-income individuals.

Medicaid is administered by the states, so you must submit an application to the agency responsible for determining eligibility in your state. If the state approves your application for Medicaid coverage, the coverage may continue even after the 24-month waiting period expires and you become eligible for Medicare.

When that occurs, Medicaid becomes your secondary health insurance provider and Medicare becomes the primary insurer. If you qualify for SSI and SSDI after the waiting period, many states offer payment of the Medicare Part B premium as an SSI benefit. Individuals receiving SSDI benefits who do not qualify for Medicaid while waiting for Medicare coverage to begin may enroll in a health insurance plan through the Affordable Care Act. An SSDI lawyer or disability advocate at London Disability can help you sort through the insurance options available to you while awaiting the start of Medicare coverage.

Disability Benefits Through SSI And Insurance Coverage

Someone who is disabled but does not have a work history to qualify for SSDI may be eligible for SSI benefits. The SSI program provides monthly payments to individuals with low incomes and limited financial resources who are blind or disabled. It also pays benefits to individuals who do not meet the medical criteria as long as they meet the financial limitations and are at least 65 years of age.

If you qualify for SSI benefits, you may qualify for Medicaid provided you meet the eligibility guidelines established by your state. Some states automatically provide Medicaid coverage to anyone eligible for SSI while other states require that you submit a separate application to the state agency administering their Medicaid program.

Unlike the SSDI program that has a waiting period before Medicare coverage begins, if you qualify for Medicaid, the coverage begins immediately upon approval. Get answers to Medicaid questions by speaking with an SSI lawyer at London Disability.

Learn More About SSD Insurance Options

A free consultation with a Social Security disability lawyer at London Disability provides you with answers to any questions you have about SSD benefits and insurance available through SSDI and SSI. Find out about the options available to you by contacting us today.