We can all agree that living with a disability is difficult to deal with, especially if the disability is permanent. While people who are not disabled have a hard time understanding what it would be like having to live disabled, they still do their best to help those suffering from a permanent disability. In our country, the government supports the disabled community through different policies and programs. However, without help, it’s hard for most people to understand which benefits they can qualify for. Our law firm is here to help disabled people understand the complex Social Security Disability laws and learn how it all works and whether they can qualify for Social Security Disability benefits.
What Is Social Security Disability?
Social Security Disability Insurance (SSDI) is a federal program whose purpose is to provide monthly benefits to people dealing with disabilities who cannot work. More specifically, SSDI applies only to people suffering from disabilities who have also earned enough credits by paying into the Social Security system. Unlike similar disability programs, SSDI doesn’t provide partial or temporary benefits. Instead, it pays full benefits for disabilities that last for at least one year or result in death.
Do I Get Health Care Benefits If I Also Get Social Security Disability Insurance?
Most people believe that if they are receiving SSDI, they can’t continue to receive private health care benefits anymore. While that’s somewhat the case, things are a bit more complex than that. In fact, if you receive Social Security Disability Insurance, you are eligible for Medicare benefits to pay for medical expenses.
What Is Medicare?
Medicare is a federal insurance program that offers health benefits and other services to eligible individuals. Although it’s similar to Medicaid, which is a needs-based program for people with low income, Medicare is only available for people with certain disabilities and for people who are 65 or older. However, Medicare is divided into different parts, each covering a specific area of health insurance.
- Medicare Plan A covers hospital stays, hospice care, and nursing facility fees.
- Medicare Plan B covers some doctors’ services, outpatient care, preventive services, and medical supplies.
- Medicare Plan D covers prescription drugs and includes many recommended vaccines or shots.
- Medicare Plan C is also known as Medicare Advantage and is a bundle that contains all the previous parts. This plan also includes additional benefits such as vision, hearing, and dental insurance.
Is Medicare Free?
If you are suffering from a disability, you are eligible to receive Medicare Part A for free after two years from when you were first approved for SSDI. The additional plans and services are available for a monthly or yearly fee. Not only that, but Medicare usually only covers about 80% of healthcare costs. In other words, you will have to get an additional plan, such as Medigap Insurance, if you want 100% of your expenses covered.
What Is Social Security Income?
It’s important to mention that while some people are not eligible for Social Security Disability Insurance or SSDI because they do not have enough work credits, they can still request Social Security Income (SSI). SSI is a program similar to SSDI but SSI is designed for people with disabilities who also have financial needs with little to no income or resources. Like Medicaid, it is needs-based. As a result, people eligible for SSI can only take advantage of Medicaid for health benefits.
All in all, our government does its best to provide people with compensation for their inability to work due to a disability. It is not a perfect system, but it is what we have. Thanks to programs such as Medicare and Medicaid, almost everybody can get healthcare benefits on some level if they are disabled.
If you have a permanent disability and need help with SSDI benefits, you should contact Dan Chapman & Associates LLC immediately as we can help you fight for your rights.