Question: What Healthcare Benefits Will I Receive After I’m Approved for Benefits?

Individuals who are under the age of 65 and are successfully approved for Social Security Disability Benefits are also eligible to receive Medicare. However, the individual will be subject to a 24-month waiting period before Medicare benefits begin. This delay can present a major challenge for people who are disabled and need healthcare but must wait two years before they are eligible for Medicare coverage.

What Can I Do in the Meantime?

If you are disabled and waiting for Medicare to take effect following a successful award of Social Security Disability Benefits, you may have other options to access healthcare benefits while you wait.

For example, people with disabilities may be able to find coverage under the ACA Marketplace, which offers insurance plans for individuals with pre-existing conditions.  Medicaid benefits may also be available if the individual meets certain income and asset guidelines set forth by the state and federal government.  Medicaid eligibility may even continue after the person is finally able to enroll in Medicare after the two-year waiting period.

Exceptions to the Waiting Period for Medicare

There are certain exceptions that may help to reduce the waiting period for Medicare benefits. For example, individuals with ALS (also known as Lou Gehrig’s disease) are entitled to receive Medicare benefits the very first month in which they are entitled to receive Social Security Disability Benefits.  As another example, patients who receive kidney transplants are entitled to start receiving benefits the same month that their transplant takes place.

When in Doubt, Get Help

The process to obtain Social Security Disability Benefits and subsequently Medicare can take years.  That’s why it’s so important to work with a qualified Social Security Disability attorney to ensure that your claim stays on track and that you do not experience any unnecessary delays. IF you need help, we invite you to contact the Law Office of Sheri R. Abrams at (571) 328-5795  to schedule an appointment.