Facts about SSDI and Medicare

On Behalf of | May 11, 2022 | Social Security Disability, Supplemental Security Income

There are a lot of misconceptions about SSDI and Medicare in New Jersey. Some people think that they are the same thing, while others think that SSDI is just a precursor to Medicare. If you want to clear up any confusion, here’s what you need to know.

The difference between SSDI and Medicare

Medicare is a federal health insurance program that is available to people who are 65 years or older, as well as to some younger people with disabilities. SSDI, on the other hand, is a federal program that provides financial assistance to people who have severe disabilities and are unable to work.

The connection

However, there is a connection between the two programs. People who receive SSDI benefits are automatically eligible for Medicare after they have been receiving those benefits for 24 months. So, if you’re on SSDI and wondering if you’ll ever be able to get health insurance again, the answer is yes – but it may take a little while.

When you stop receiving SSDI benefits

If you stop receiving SSDI benefits, your Medicare coverage will also end. However, you may be able to get private health insurance through the Affordable Care Act’s marketplace. You can also re-apply for SSDI at any time, and if you are approved, your Medicare coverage will start again automatically.

Additionally, if you are receiving both SSDI and Medicare benefits, you may be able to get help with your Medicare premiums through the Social Security Administration.

Generally speaking, SSDI and Medicare are two separate programs that are somewhat connected. Just remember that in order to be eligible for SSDI, you must have worked in a job that is covered by Social Security and paid Social Security taxes. You also must have a severe disability that prevents you from working and is expected to last at least one year or result in death. If you meet these criteria, you can apply for SSDI benefits.