Insurance Agent, Investment Executives, 461 East Avenue Lewiston, Maine 04240
If you think you might qualify for Medicare due to a disability, you should first file for disability benefits through the Social Security Administration. If approved, you may be able to get Medicare prior to age 65 due to a disability.
In order to qualify for Medicare due to a disability, you must meet the criteria defined by the Social Security Administration:
"Social Security pays only for total disability. No benefits are payable for partial disability or for short-term disability.
"Disability" under Social Security is based on your inability to work. We consider you disabled under Social Security rules if:
You cannot do work that you did before;
We decide that you cannot adjust to other work because of your medical condition(s); and
Your disability has lasted or is expected to last for at least one year or to result in death".
You can apply for benefits through Medicare because of a disability online at: https://secure.ssa.gov/iClaim/dib if you are tech savvy. If you choose not to apply online, you can apply at any local Social Security Administration office by phone or in person and you can call ahead to make an appointment by calling 1-800-772-1213. If you are deaf or hearing impaired, call the SSA's toll-free TTY number, 1-800-325-0778. Their representatives are available from 7AM to 7PM, Monday through Friday.
It is important to note that this definition of disability "is different than other programs" and "is a strict definition of disability" according to the Social Security Administration. There are many, more comprehensive disability policies available which allow benefits to be paid for a partial disability, for example, or pay benefits to help with various expenses such as paying your mortgage in the event that you suffer a disability. In addition, these policies can be purchased for key people in a business such as a business partner or profitable executive.
For questions regarding which disability policy may be best for you or how much coverage you may need, it is best to speak with an Insurance Professional. They are highly trained in the business of Insurance, and will complete a full analysis of your needs and make recommendations based on what's in your best interest.
An Insurance Professional is a great resource for any other programs and products that may be of benefit to you including state and federal resources that you may qualify for based on your unique situation such as applying for Disability through the Social Security Administration. There is a reason they are so highly trained and regulated!
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In order to qualify for Medicare due to a disability, you must meet the criteria defined by the Social Security Administration:
"Social Security pays only for total disability. No benefits are payable for partial disability or for short-term disability.
"Disability" under Social Security is based on your inability to work. We consider you disabled under Social Security rules if:
You cannot do work that you did before;
We decide that you cannot adjust to other work because of your medical condition(s); and
Your disability has lasted or is expected to last for at least one year or to result in death".
You can apply for benefits through Medicare because of a disability online at: https://secure.ssa.gov/iClaim/dib if you are tech savvy. If you choose not to apply online, you can apply at any local Social Security Administration office by phone or in person and you can call ahead to make an appointment by calling 1-800-772-1213. If you are deaf or hearing impaired, call the SSA's toll-free TTY number, 1-800-325-0778. Their representatives are available from 7AM to 7PM, Monday through Friday.
It is important to note that this definition of disability "is different than other programs" and "is a strict definition of disability" according to the Social Security Administration. There are many, more comprehensive disability policies available which allow benefits to be paid for a partial disability, for example, or pay benefits to help with various expenses such as paying your mortgage in the event that you suffer a disability. In addition, these policies can be purchased for key people in a business such as a business partner or profitable executive.
For questions regarding which disability policy may be best for you or how much coverage you may need, it is best to speak with an Insurance Professional. They are highly trained in the business of Insurance, and will complete a full analysis of your needs and make recommendations based on what's in your best interest.
An Insurance Professional is a great resource for any other programs and products that may be of benefit to you including state and federal resources that you may qualify for based on your unique situation such as applying for Disability through the Social Security Administration. There is a reason they are so highly trained and regulated!
Resources:
www.ssa.gov