In 2019, approximately 92% of Americans were covered by health insurance for all or part of the year.
Insurance provided through employment is the most common type of health insurance. But what happens if you’re unable to work due to a disability?
If you’re facing a long-term disability, paying for your medical bills is likely to weigh on your mind. But if you’ve paid into the federal program, you may be eligible for social security disability health insurance.
Keep reading to learn more about federal insurance programs that support people with long-term disabilities.
What Is Social Security?
Social security is a general term for a federal insurance program run by the Social Security Administration (SSA). This insurance program, formally known as Old-Age, Survivors, and Disability Insurance (OASDI), is most well-known for retirement benefits.
As the name suggests, though, it also provides benefits to legal dependents in the case of death. If you are unable to work due to a disability, you may also be eligible for benefits through OASDI.
Social Security Disability Insurance
There are two programs available to people with disabilities under the SSA.
The first is Social Security Disability Insurance (SSDI). This program is available to people who have earned Social Security work credits while they worked. Your disability may be physical or mental and must be expected to last for more than a year.
The second program is Supplemental Security Income (SSI). SSI is for people over 65 years of age or people with a disability. However, it’s only available to people with little to no income or resources.
How to Qualify for Social Security Disability Health Insurance
Qualifying for SSDI or SSI means meeting three basic requirements. Those requirements are:
- You are unable to work.
- Your disability will last for more than one year or will result in death.
- Your disability is on the list of disabling medical conditions.
Furthermore, for SSDI, you must have earned enough work credits to qualify. The amount of credits you need to qualify depends on how old you were when you had to stop working because of your disability. Family members of the disabled individual may also qualify.
In terms of health care, you automatically qualify for Medicare if you qualify for SSDI. But there is a 24-month qualifying period before you receive Medicare insurance.
And, in the case, you were denied benefits under SSDI, you can appeal the decision. To do so takes an in-depth knowledge of the program and the potential reasons for the appeal. Therefore, your best bet for appealing an SSDI denial is to find a lawyer, and a local choice is often the most convenient.
More How-To’s and Helpful Tips
So, does social security disability health insurance exist? If you qualify for SSDI, then you’re automatically eligible for Medicare after a 24-month waiting period. And if you’re denied SSDI benefits, you can appeal that decision with a knowledgeable lawyer.
For more helpful how-to’s and tips like this, be sure to check our blog reguarly.