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Lane
Lane, JD,CFP, MBA, CRPS
Category: Social Security
Satisfied Customers: 11168
Experience:  Law Degree, specialization in Tax Law and Corporate Law, CFP and MBA, Providing Financial, Social Security & Tax advice since 1986
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Can I get on medicare if I am disabled and getting SSI from

Customer Question

Can I get on medicare if I am disabled and getting SSI from my husband who passed away.I have a smal disiblitu ins alottment that i bought from my employer before becoming disabled
Submitted: 7 months ago.
Category: Social Security
Expert:  Lane replied 7 months ago.

Hi. My name's Lane. I can help here

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Disabled people who are approved for Social Security disability insurance (SSDI) benefits will receive Medicare, and those who are approved for Supplemental Security Income (SSI) will receive Medicaid.

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However, SSDI recipients aren't eligible to receiveMedicare benefits until two years after their date of entitlement.

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Those approved for SSI only typically receive Medicaid coverage in most states. Medicare coverage for SSI recipients doesn't until someone turns 65 if they were only entitled to receive monthly SSI disability benefits (as opposed to SSDI which is not means tested; SSDI is based on having enough work time in the social security system to be insured for that, just like SS retirement)

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HOWEVER, when you turn 65, you can file an uninsured Medicare claim, which saves the state you reside in the cost of Medicaid coverage, (basically, the state pays the medical premiums for an uninsured individual to be in Medicare so that their costs in health coverage provided through Medicaid goes down).

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Also, or people with limited income and assets, Medicare offers "Extra Help" for prescription drug costs - This can not only pay or help pay (depending on your income and assets) the premium for a medicare prescription plan, but also cancover co-pays.

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See this: (again for when you aer 64 and can use medicare uninsured claims):

https://www.ssa.gov/medicare/prescriptionhelp/