Medicare benefits are not just for people who reach retirement age, but the individuals who fit the definition of disability given by the Social Security office may also qualify to receive Medicare benefits. If this is your case, you may qualify for Medicare even if you are not 65 and your benefits will last as long as your condition lasts.
The federal government has two major health insurance programs to help people who do not have access to private insurance or, in the case of the elderly, to get insurance for cheaper prices and one such program is known as Medicare. The main goal of Medicare is to facilitate access to health insurance for prices below the prices that private companies offer. In fact, Medicare Part A is free for all those individuals who turn 65 and who have paid their Medicare taxes while they worked. Medicare Part A is also free for people who have a disability and receive Social Security disability benefits
Social Security Disability
If you have a disability that entitles you to receive Social Security Disability benefits, you are also eligible to enroll in Medicare. To qualify for benefits, your SSD condition must last at least a year or lead to death and you are not able to work because of your disability. Another requirement to receive SSD is that you have earned enough Social Security credits during work. The amount of credits you must have depends on your age at the time you were disabled. Once you qualify, you must receive disability benefits for 24 consecutive months. After this period, you will automatically be enrolled in Medicare Part A and Part B and your benefits begin on your disability number 25 month.
Supplemental Security Income
Supplemental Security Income, SSI program, is run by the Social Security Administration that gives benefits to people with a disability status. If you receive benefits from SSI program, you may also qualify to enroll in Medicare. However, the requirements to receive SSI benefits are different from SSD benefits. You must be over 65, disabled or blind. Since the purpose of SSI program is to help people with disabilities and low income, it also has an obligation to demonstrate that you have low income and few resources. If you are receiving SSI benefits, you may also be able to get help from your state to pay for Medicare premiums. Unlike SSD benefits, you must enroll in Medicare and pay the monthly premiums if you want your coverage.
Amyotrophic Lateral Sclerosis
If you have amyotrophic lateral sclerosis condition, you qualify for disability benefits. As a beneficiary of disability benefits, you are also eligible to enroll in Medicare regardless of age. However, in this case, your Medicare coverage begins earlier than other types of disability. You will be automatically enrolled in Medicare and your benefits begin the as your disability begins.