The qualification process for receiving Medicare Disability is long and complicated. Medicare Disability can be received by any individual with an approved illness or serious health issue. It is critical the paperwork is filled out correctly and completely or the application will usually be denied. In many instances, the individual retains an attorney after a rejection for assistance with the appeal process. All medical evidence must be gathered, such as physician reports, hospital records, test results, pharmaceutical records, etc. The Social Security office processes a staggering volume of applications and the individual must be aware of all deadlines.
The Definition of Disability
In order to be eligible for Medicare Disability, the individual must have an impairment restricting them from working for a minimum of twelve months. A good example is an individual with a broken leg. If their physician instructs them to stay home for six to eight weeks, this is not a long enough term to qualify for disability. If an individual is fighting cancer with the treatment and recovery process expected to take twelve to eighteen month, they can potentially receive disability. There is only one possible interpretation of the Medicare guidelines. The individual must qualify under one of three categories. Get the information you need regarding how to qualify for Medicare Disability.
The Qualifying Medical Conditions
One of the medical conditions qualifying for Medicare Disability is (ALS) or amyotrophic lateral sclerosis. This debilitating neurologic disease is commonly referred to as Lou Gehrig’s disease. The condition causes breathing difficulties, muscle atrophy and often death. The fast progression and severity of the disease mandate a higher level of medical services and care. The individual must have medical proof they have this disease to qualify for disability. This eliminates the waiting period and makes the individual eligible immediately. It is critical to submit an application as quickly as possible.
ESRD or end-stage renal disease has been linked to chronic kidney disease for approximately ten percent of all Americans. This disease causes the development of kidney failure for over 100,000 individuals every year. Kidney failure means toxins cannot be filtered out of the body. If a kidney transplant or dialysis treatments are not received, the person will die. Individuals with this condition can potentially receive disability. The coverage starts three months after the individual begins dialysis. The coverage may not be for the long term if a kidney transplant is achieved. A transplant approved by Medicare provides coverage for 36 months after the transplant. Provided the new kidney continues to function properly, the individual will lose their coverage after this period of time has lapsed. It is also good to find out if you should manage medical care with credit cards.
(SSDI) Social Security Disability Insurance can potentially be received for numerous additional conditions qualifying as a disability. The individual must successfully complete the application process to be recognized as eligible for Medicare Disability. In most cases, this process requires several months to reach completion. The Social Security Administration can take between three and six months to approve the individual’s application. Medicare has a list titled Compassionate Allowances Conditions. If the condition is listed here, the application process will often be expedited. Once the application has been approved, there is a waiting period of five months prior to the individual receiving their first benefits from SSDI.
Once approved, the individual does not become eligible for Medicare until they have received SSDI benefits for a minimum of 24 months. When all these timelines are combined, the best possible scenario has a wait of 29 months. The worst possible scenario for receiving Medicare benefits is 35 months. The disability must be considered serious enough by Medicare to warrant disability. If the application is rejected, the individual does have the right to appeal. Please visit here for benefits planner help.
The Bottom Line
It is important to understand the individual does not have to be a senior citizen to receive Medicare. An individual with one of many specific disabilities can potentially receive Medicare Disability and Medicare regardless of their age. The actual waiting period is dependent on the specific disability. The best way to help prevent any coverage delays is to apply as quickly as possible. This can result in the individual receiving the necessary healthcare much sooner.