You may be eligible to collect both SSD and SSI benefits at the same time. The SSI program provides immediate Medicaid coverage to all benefit recipients. Unlike the SSD program, SSI is a needs-based program that pays monthly benefits to low-income disabled persons who have limited financial resources. Social Security Disability claimants whose disabling impairment is not related to their prior employment, may be eligible for Supplemental Security Income (SSI). Unfortunately, worker’s comp does not cover costs for any healthcare required for non-work-related illness or injury. For those SSD benefits recipients, state worker’s compensation benefits provide payments for any healthcare or medical expenses incurred because of the work-related injury or illness. The fact that all SSD recipients worked before they were disabled means that a high number of SSD recipients suffered work-related injuries or illnesses. The Social Security Disability Insurance program pays benefits to disabled people who worked at least long enough to accumulate the work credits necessary to qualify for the program. ![]() A partial list of alternative insurance sources includes the following: Some of the programs are employment-related and others are based on financial need. Several other sources of healthcare insurance are available to Social Security Disability benefit recipients. Insurance Options During the 24-Month Medicare Waiting Period The risk of expending Medicare funds on those whose disability might not be permanent further motivated the 24-month waiting period. No one whose disability is expected to resolve in less than a year is eligible for SSD. Short Term Disability: The second reason given for the 24-month delay in Medicare coverage for SSD claimants is the frequency of impairments improving over time, sometimes much faster than expected. Expanding Medicare coverage to every SSD recipient immediately upon approval of their benefits was thought to be too draining of limited resources.Ģ). Medicare Trust Fund Preservation: The most recent financial analysis of Medicare funds indicates that the Medicare Part A funding will be depleted by 2026. The Social Security Administration (SSA) implemented the 24-month Medicare waiting policy for several reasons:ġ). The ALS patients receive Medicare coverage immediately and the ESRD sufferers are enrolled after three months of dialysis treatment. The only exceptions to the 24-month waiting period are people whose disability is amyotrophic lateral sclerosis (ALS), also known as Lou Gehrig’s Disease, or end state renal disease (ESRD). It seems like any government program that pays monthly benefits based on a recipient’s disability would logically include healthcare insurance as well. ![]() It is surprising to many SSD applicants and benefit recipients that Medicare will not cover their healthcare costs until they have been eligible for SSD benefits for 24 months. Contact an experienced SSD lawyer or SSD and SSI advocate at London Eligibility for more details. This blog post will explain how Medicare kicks in after 24 months for most recipients, why the health insurance coverage is delayed, and what other sources of health insurance coverage might be available during your two-year Medicare waiting period. London Eligibility Disability advocates want every one of our clients to understand their SSD benefits completely, including what is not covered by the SSD program. ![]() But no immediate health insurance coverage is provided for most SSD recipients until after 24 months. ![]() Social Security Disability Insurance (SSDI or SSD) provides monthly benefit payments to people who earned the required number of work credits and suffer from a disabling physical or mental impairment.
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