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What You Should Know About Health Care Benefits That Come With SSDI and SSI

If you just had reliable access to affordable health care when you’re out of work due to medical problems, it would make your life so much easier.

This is why, when you get approved for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) benefits, one of the most important benefits you get is access to Medicare or Medicaid health coverage.

You’ll start receiving a monthly check to help you get back on more stable financial ground. But when you have serious health conditions, the access to health services and treatment is crucial

The process of applying for SSDI or SSI is complicated. You’ll need to fill out forms completely and correctly and gather the right medical evidence. One mistake on the application can cause Social Security to deny benefits.

For all these reasons and more, if you’re in South Carolina, working with an experienced South Carolina disability lawyer can help the process go smoothly for you and increase your chances of getting the benefits you deserve.

At Robertson Wendt Disability, we can help at every step.

Our disability law firm has helped thousands of people in Charleston, Columbia and across South Carolina. For more on how Medicare and Medicaid go with disability benefits, keep reading.

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SSDI and Medicare Coverage

Social Security Disability Insurance (SSDI) pays benefits if you worked long enough and recently enough and paid enough Social Security taxes.

Once you’re approved for SSDI benefits, you’ll be eligible for Medicare after a waiting period—even when you’re not the usual age for Medicare.

The waiting period from the time your disability benefits begin is two years. But you may not actually have to wait that long because months you spent waiting on benefits approval are subtracted from that time.

How to Choose the Right Medicare Plan in South Carolina

When choosing a Medicare plan, carefully consider which health care services you need most:

  • Medicare Part A: Covers hospitalization, home health, hospice, and nursing home care
  • Medicare Part B: Covers doctor visits, laboratory tests, mental health care and more
  • Medicare Advantage Part C: Covers everything in Medicare Parts A and B
  • Medicare Part D: Covers prescription drugs

Retirees often talk about the benefits of having Medicare. Getting it with a disability claim before you’re retirement age is truly valuable.

When you’re wondering whether you can qualify for disability benefits and what types of assistance your benefits might include, such as Medicare, you can get on a phone call with our disability legal team for a FREE evaluation of your situation.

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SSI and Medicaid Coverage

Supplemental Security Income (SSI) is a cash benefit provided through the Social Security Administration (SSA) to recipients who:

  • Have qualifying disabilities
  • Are low-income, earning less than a certain amount each month and with assets whose total value falls below a specified limit
  • Are 65 or older and meet the economic requirements
  • Have blindness

People who qualify for SSI also qualify for Medicaid.

Like SSI, Medicaid is a needs-based program, and they have almost identical eligibility criteria. For this reason, in most cases, qualifying for SSI means you also already qualify for Medicaid—which covers the cost of medical care and prescriptions.

Your Medicaid coverage kicks in immediately, without a waiting period like Medicare with SSDI.

If you live in Charleston, Columbia or anywhere in South Carolina and need to apply for Social Security Disability so you can get this valuable support to live your fullest possible life, talk to us at the Wendt Disability law firm.

Disability attorney Robertson Wendt is one of few board-certified Social Security Disability lawyers in the state of South Carolina.

With Rob and his team, you know you’re getting people experienced in dealing with the Social Security system. Don’t hesitate to protect your financial future.

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