Can I still enroll if I am on disability?
Disability is one of the exceptions to the age requirement of Medicare in which you are allowed to enroll before the age of 65. Suppose you are disabled and have been receiving disability benefits for 24 months. In that case, you will automatically be enrolled in Medicare Parts A and B. You will receive a red, white, and blue Medicare card on the 22nd month after you have started receiving disability benefits.
If you are under 65 with a disability but want to return to work, you can still receive your Medicare coverage for as long as you are medically disabled. Once you are employed again, you can continue to get Medicare Part A premium-free for 8 ½ years.
What if I become employed?
You can still have Medicare if you are disabled and employed. If employed, you can gain further assistance through a Medicare Savings Program – specifically, the Qualified Disabled and Working Individual (QDWI) Program.
You can qualify for the QDWI Program if you:
- Are disabled and are not receiving other state-provided medical assistance
- Have a limited ome (as determined by your state)
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What are the other options?
For disabilities that require care in which you receive long-term assistance with daily activities (i.e., getting help putting clothes on or maintaining personal hygiene), you will have to seek help outside of Medicare. This type of service is called custodial care and can be covered by Medicaid.
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