You should get a Mississippi Medigap Plan G when you are receiving disability benefits. Even if you return to work, you can continue to get Part A benefits premium-free for up to 8.5 years. If you have Amyotrophic Lateral Sclerosis (ALS), you automatically get Part A and Part B in the month that your disability benefits begin.
What Does Medicare Supplement Insurance Cover?
As with seniors, Medicare requires those under 65 to meet deductibles before their Medicare coverage actually begins. Even after Part A or Part B deductible has been met, co-insurance may require both Medicare and the patient to pay a portion of a medical bill. Likewise, co-payments or out-of-pocket costs are still due on some services that are partially covered by Medicare.
Your coverage doesn’t start until you have met this deductible for a period of time known as a benefit period. That begins on the day you enter the hospital or a skilled nursing facility and continues until you have not received hospital or nursing facility care for 60 consecutive days.
If you need hospital ornursing care after one benefit period has ended, you’ll have to meet the deductible again. There is no limit on the number of times you may be required to meet this deductible.
Who can receive Social Security Disability Benefits?
Broadly speaking, adults under sixty-five must be either blind or disabled and in straitened financial circumstances to receive benefits. In addition, they must be willing to demonstrate this by allowing the federal government to review their financial records and remaining in the United States to apply. The disabling condition must, in the judgment of the Social Security Administration, be expected to last longer than twelve months (or be life-threatening) and prevent you from doing substantial work. Finally, you must demonstrate that you’ve worked recently and for a sufficient number of years.
Can anyone receive Medicare before the two-year mark?
Those with Lou Gehrig’s Disease (amyotrophic lateral sclerosis), certain government employees (and their dependents) and those with permanent kidney failure are eligible for Medicare before reaching the two-year mark on social security disability payments.
For disabled workers, an eleven-month extension can be added so long as it is applied for early enough in advance for the Mississippi Medigap Plan G to process your claim. After twenty-nine months, the five-month waiting period for disability benefits and the two-year waiting period for Medicare will be over. Be aware though, that you will often have to pay a substantially higher premium during the disability extension period.