How SSDI Benefits Can Support Your Medical Treatment
Becoming disabled is overwhelming on multiple different levels of your life. In addition to the prospect of having to go through the process of applying and any appeals that you may need to file, there are many other ways that it will affect your life.
Your life changes when you become disabled and have disability benefits. There are professional and personal ramifications that you will have to consider. One of the main ones that cause a lot of other strife is not being able to work in your traditional job any longer. This will affect not only your income but your health insurance as well. You are probably used to having your insurance through your employer, but now, not only do you have additional health concerns to deal with, but you will also no longer have your traditional health insurance.
How Social Security disability insurance benefits can support your medical treatment:
1) You can use the disability money how you see fit– You can use your disability money in whatever manner you decide to. This could be paying for medical bills, housing, food, or any other expenses that you have. In this way, the money you receive could support your medical treatment.
2) You are eligible for Medicare in the future– Unfortunately, in most cases, you won’t be eligible for Medicare until two years and five months after the date that you were found to be disabled. It can be hard to deal with medical bills in the meantime, so you will need to find another way to take care of your medical treatments.
Once you are eligible for Medicare, you will be enrolled in two parts of Medicare, which are hospital insurance {Part A} as well as medical insurance {Part B}. The hospital insurance helps pay for your inpatient hospital bills as well as some follow-up care. This is free at this point because it is covered by the taxes you paid while working. Medical insurance will help pay your outpatient care, doctors’ bills, and other medical costs. For this coverage, you will need to pay a monthly premium.
3) You may need to buy health insurance separately– You may need to buy health insurance to bridge the gap before you are eligible to apply for Medicare.
This may seem daunting, but if you go into it as prepared as possible, you can make sure you get the coverage that you need. If you have any questions, please reach out to us.
