How Long After SSDI Can I Get Medicare (And Why)?

How Long After SSDI Can I Get Medicare (And Why)?

Exact Answer – 2 years

Medicare is also known as a health insurance plan for people of 65 years of age or older, for some people with disabilities, who are under 65 years, and people with end-stage renal disease i.e. persistent kidney failure that can be treated by dialysis or transplantation.

Medicare includes hospitalization insurance, which most people do not need to pay, followed by medical insurance, and that most people pay monthly.

How Long After SSDI Can I Get Medicare

How Long After SSDI Can I Get Medicare?

People who can apply for Social Security Disability Insurance benefits can also apply for medical insurance after the 2 year eligibility period. The 2 years of disability benefit is the waiting period that is basically given for the coverage of medical insurance. You can claim your health insurance through your previous employer or the person in charge. For more information regarding the health insurance, you will be needing to contact your employer as well. For each month you are entitled to disability benefits, SA will calculate one month.

When do you think about periods when you were unable to work before?

The previous months of incapacity for work are included in the 24-month qualification period of medical insurance. If a new incapacity occurs:

  1. Within 60 months of the month in which the disability pension worker is dismissed, or
  2. When the widow leaves or the widow or Benefits for the 84 months after the child is disabled or
  3. Whenever the current disability is the same as or directly related to the damage that was the basis for the disability benefit that expired in the previous period.
  4. If the beneficiary still has a disability, they can purchase health and hospitalization insurance for at least 93 months after the trial period.


Age of applicationWork Credit Requirements

Why Does it Take That Long?

Unfortunately, a person must wait at least 2 years to be covered by Medicare. There are mainly two exceptions to this :

One of them is that people with persistent kidney failure or renal disease and Amyotrophic lateral sclerosis are not eligible for the two-year waiting period. You would think that lung or brain cancer and other life-threatening diseases would also be on this list, but there aren’t any as such now.

Medicare was mainly introduced for people of age around 65 years and it mainly was expanded inclusively for the people with disabilities. Moreover, the two-year waiting period was added to save costs, during the two-year waiting period, and also the persons with disabilities will be eligible or can continue to work under COBRA‘s former employer program.

However, if you have used COBRA before, you will know that the return is very high, especially for those who have run out of income. For some people on Medicaid, there may be some hope. Approximately one-third of people with disabilities receive Medicaid insurance while they are waiting.

social security disability

Depending on when the obstacle appears, things can get more complicated also depending on the length of time you are unable to work, you may have already completed a significant portion of the waiting period when you receive benefits.

However, because Social Security only allows 12 months of retrospective benefits plus a 5-month waiting period for benefits, you cannot get medical insurance for one year or more after submitting a disability claim.


The Social Security and Supplementary Income Program for the disabled is the largest of several federal programs that assist the disabled. Although these two programs are different in many ways, they are both administered by the Social Security Administration, and only people with disabilities and those who meet medical standards are eligible to benefit from these two programs.

Health insurance is the same for people with disability rights and people with old age rights. People who meet the eligibility criteria can get a full range of medical insurance benefits.

The coverage includes certain hospitals, nursing homes, home care, medical care, and community services. Medical services need not be related to the disability of the person to be insured.


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Hi! I'm Nidhi.

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  1. The details in this article are very thorough, but it’s disheartening to see the challenges faced by those who need medical insurance.

  2. The eligibility criteria for health insurance can be complex and confusing for many. This article has addressed important details.

  3. This article is very informative. I didn’t know there was a waiting period for Medicare. I find it unfortunate for those who have disabilities.

  4. The waiting period for benefits and medical insurance is a concerning issue. I hope there can be changes made to improve accessibility.

  5. The waiting period is quite a challenge for many who are already struggling. I hope there can be improvements made to this system.

  6. The waiting period is a necessary cost-saving measure, but I hope they can find a way to make it more accessible for those who are in need

  7. I think the waiting period of 2 years is too long. It should be shorter and more accessible for people with disabilities who are in need.

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