Can anyone tell me about Social Security Disability and Medicare? I thought I had some info on how long you have to be on SSD before Medicare kicks in, etc. but can't find it anywhere. Any other info would be helpful too.

Silly question - someone told me that SSD will pay off your car loan and maybe even your mortgage? Anyone ever hear of this? Sounds like it couldn't possibly be true

Thanks! :)

Medicare starts with your SSD, at age 65 you are on Medicare alone .... no more SSD
don

Medicare starts after you have been on Disability, SSI or SSDI for two years last time I checked and not before unless you meet the low income guidelines. You do have to pay for it and they base the amount on how much you get on SSD. It is only Part A. Part B must also be purchased on your own after you have Part A.

According to Social Security:
Before age 65, you are eligible for Medicare hospital insurance if you:

get Social Security disability benefits and have amyotrophic lateral sclerosis (Lou Gehrig's) disease; or
have been a Social Security disability beneficiary for 24 months; or
have worked long enough in a federal, state, or local government job and you meet the requirements of the Social Security disability program.

And no, they will not pay off your car or your mortgage. Maybe what they are confusing is that if you are on SSI or are trying to get SSI you it will not be approved or removed if you have any assets worth more than $2000. So basically you can not own a home or a car if it's value is more than $2,000.

Kissa:
Thanks for clarifying some things for me! It was a big help!

If you recieve SSDI you will be eligible for Medicare after a 24 month waiting period. For the 2006 benefit year the premium is $88.00 a month for Part B. You are eligible for Part A at no cost to you.
If you meet certain income guidelines you may be able to recieve aid in paying your Medicare premiums. Also there is a program to help with your prescription costs.
There are circumstances that do allow you to recieve Medicare earlier than the 24 month waiting period if you recieve SSDI. I have a neighbor who has an adopted child that has many medical needs since birth and her 24 month period was waived.
And as Kissa mentioned SSDI does not pay off any of your debts.

I applied for Social security disability and waiting for a hearing in Sept.I been out of work since I fell last year,can't work with my back.Yet the immigrants who has a parent already 62 aere getting social security without paying into it,no wonder its going broke,ridiculous.

Ladyjada:
I hope things work out for you soon. I got hurt in 1999 and had to stop working completely in 2002 and just had my hearing last month. It's ridiculous how long it all takes but I guess all we can do is hang in there.

hi charlie cat,
It is ridiculous,even more when you got to pay back if you get a settlement,hate to say,but I wish the americans would over ride this government and handle the affairs themselves before we all end up in one big corral.Because the US is going under,each day.when they had that surplus of money,instead of paying back the money they borrowed from SS they spent it on other crap,so now it will end in another 15 years and medicare in 12,not far away.

Hi charliecat again,
forgot to ask,did you have any fusions,I'm kind of wondering if you have that done if they don't refuse you SS due to the fact doctor claims he fixed the problem and you can work?cause I'm not planning to return to work whether i get surgery or not.Still debating,that bone graft sounds awful to go through,right now feel good.

Hey! No fusion for me - too many bad discs and discs are in too bad of shape. Dr. wouldn't touch me. Ended up w/ morphine pump and can't work. Sucks, but this is my life

guess fusion aren't alot of help,my aubt had her done 6 years ago,now still having trouble,more pain that she didn't have before,what will happen if the L5 S1 isn't fused?Can you endup with a bag on the side for bowel waste?Right now feel better,thoughts of an up coming fusion worries me with developing other problems along the way.

Charliecat 31. Medicare kicks in after 2 years.

Silly question - someone told me that SSD will pay off your car loan and maybe even your mortgage? Anyone ever hear of this? Sounds like it couldn't possibly be true

Actually they send the monthly SSDI check and you do as you please with it. If you get a lump sum you can do what you please with it.
Your debts are your problem to pay or not pay. They do not care what your debts are. Your check is a set amount no matter how far in debt you are.

Some people do have privately purchased "Disability insurance" attached to thier mortage on thier home or with home owners insurance but that has nothing to do with SSDI. You might want to check and see what your Home Owners insurance policy or your mortage paper says. That generally costs a higher monthly pmt so I would think you would know if you took that out earlier.
Privately purchased disability clauses can be attached to various debts like a car loan or credit card but each of those does cost a premium you probably already know about if you paid it.
Some life Ins policies and Health Ins even have Disability clauses in them.
But you should check if you think you have any of those.

DWS.. said
at age 65 you are on Medicare alone .... no more SSD
BUT DON'T WORRY. The way it works is that at normal retirement age your Disability simply becomes normal old age retiement instead.. you get the same check.
Happened to my mother and then later to my neighbor. They were Disabled and recieved SSDI. At age 62 they got a letter they were now and retired person due to age rather than disability... that's it. It was all automatic. They didn't have to do anything about it themself. There was no time lag or change or any problems at all with the checks or medicare.

Snowmelts:
THANK YOU so much for all the wonderful info. You answered a lot of questions for me!

Snowmelts:
THANK YOU so much for all the wonderful info. You answered a lot of questions for me!

Snowmelts:
THANK YOU so much for all the wonderful info. You answered a lot of questions for me!