Medicare for Disabled Americans Under Age 65
Medicare coverage is also available for assisting disabled individuals who meet certain eligibility requirements.
Whether or not you are disabled, if you are over the age of 65 and are eligible for Social Security benefits then you are eligible for Medicare coverage. As soon as you reach the age of 65, you automatically get enrolled in Medicare if you are getting benefits from Social Security. If you are under 65, however, you may be eligible for Medicare enrollment if you are disabled or meet other special requirements for eligibility.
If you are disabled and have been receiving Social Security benefits for over two years, then you could be eligible for Medicare.
You must either be entitled to worker's disability benefits, be a disabled widow or widower over the age of 50 or be over 18 and receiving benefits for a disability that you have had since before you turned 22. As an example for the latter category, a disabled 19-year-old man would be eligible for coverage, while a 25-year-old individual who became disabled at age 23 would not be, since his disability only occurred after age 22.
People with end stage renal disease (ESRD) - disabled by chronic kidney failure - may also be eligible for Medicare if you are entitled to receive benefits from social security or the Railroad Retirement Act.
In addition, Medicare coverage may extend to other family members as well. If you are eligible, then your spouse and dependent children may become eligible as well.
If you go back to work and don't get social security benefits any more, you may receive an extension to your Medicare coverage for 93 months. This would be the case only if your condition still persisted but didn't prevent you from being able to work. Once this extension period has lapsed, you won't get your Part A premium-free anymore, but you may still purchase Part A coverage by paying premiums if your condition persists.
- Medicare.gov: The Official U.S. Government Site for Medicare. Retrieved September 17, 2010.
- Social Security Online. Retrieved September 17, 2010.