If you are applying for Social Security Disability when does Medicare start?
Individuals who file for Social Security Disability benefits and are approved will be eligible at some point to receive medicare benefits (individuals who are approved for SSI disability do not receive medicare, but, instead, receive medicaid).
Medicare based upon Social Security Disability will begin two years after the first date that you are entitled to receive a Social Security Disability benefit.
What does this mean? Well basically, unless you have insurance currently, this means that you may be in the position of not having insurance coverage for two years. So, if you do have health insurance do not terminate it when you first learn that you have been approved for Social Security Disability (at least not until you find out when your medicare coverage will begin).
However, in most cases, individuals who have been approved for Social Security Disability do not actually have to wait two years to receive medicare. This is because their date of entitlement will be far enough back (due to when their disability is decided to have begun and also due to how long their disability case took to be finally be approved) to eliminate much of the two year wait for medicare.
In some cases, the entire two year wait will have been eliminated.
About the Author: Tim Moore is a former Social Security Disability Examiner in North Carolina, has been interviewed by the NY Times and the LA Times on the disability system, and is an Accredited Disability Representative (ADR) in North Carolina. For assistance on a disability application or Appeal in NC, click here.
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