The Medicare health insurance program is a type of government-sponsored health coverage. The individuals who have withdrawn from the workforce are automatically eligible for Medicare coverage at the age of 65; however, people affected by a disability can access coverage regardless of age. The questions to ask when applying for disability benefits refer to the issues related to Medicare eligibility requirements, times and waiting periods of work.
What are the eligibility requirements for Medicare SSDI beneficiaries?
Social Security Disability Insurance (SSDI) provides economic benefits to people who cannot work due to a physical disability. The individuals must have a work history long enough in which to make social security tax deductions. An adult child can also be classified in cases where the child has a disability that began before the age of 22. Qualifying requirements for SSDI and Medicare are the same, so once a person qualifies for SSDI, they are automatically eligible for Medicare insurance coverage. Disability determinations are based on the employment status at the time of application and the severity of a person’s disability status. In general, the condition must be severe enough to prevent a person from carrying out work-related tasks.
How do waiting periods apply?
Once a person is eligible for SSDI benefits, a five-month waiting period is required before actual payments begin. The Social Security Administration requires this period to ensure that a person actually has a long-term disability. Once SSDI payments start, people can receive Medicare benefits after an additional 24-month qualification period. Medicare requires this waiting period to ensure that any employer-based insurance coverage is used in full before Medicare coverage begins. As a result, the total waiting period for Medicare coverage amounts to 30 months when five-month waiting period is before SSDI benefits begin.
How does temporary employment affect Medicare benefits?
SSDI benefits provide financial help for people who cannot work, and there are certain conditions apply when a person returns to the workforce on a temporary basis. Medicare insurance includes medical and hospital coverage, which appears as Part A and Part B of Medicare. Medicare Part A may continue for as long as 93 months after a temporary period, or trial work provided that the person remains disabled. The cash benefits from SSDI can continue or cease based on the amount of income a person earns during the work period. Once 93-month period ends, a person has the option to purchase Part A and Part B if he/she remains disabled.