Disability and Medigap
When you think of people on Medicare, you usually think of people 65 and older, but this is not always the case.
You don’t necessarily have to be a senior to get on Medicare. If you have been on disability for at least two years, you automatically become eligible for Medicare and in some states Medigap Insurance.
Here’s how it works. After you get disability benefits from Social Security or certain disability benefits from the RRB for 24 months, you automatically qualify for Medicare Part A and Medicare Part B.
As with seniors on Medicare, people who are on Medicare through disability will experience gaps in coverage. Some states allow people on disability to receive Medigap coverage while others have different eligibility requirements. The state might even require that the Medicare Supplement Insurance sell you Medigap Plan A at least or some form of Plan A usually under a different name. For more information on this see our page about guaranteed-issue.
Many Americans are receive disability benefits. According to the socialsecurity.gov website, “a 20-year-old worker has a 3 in 10 chance of becoming disabled before reaching retirement age.” The Social Security Administration works with your state agency to determine disability status. They will ask your doctors about your medicare condition and how it affects you.
To get more information about Medicare Supplement Insurance plans, talk to one of our Medigap plan representatives today or use our instant quote below.