Per the Cancer Support Community (CSC) / NLMSF dedicated LMS COMMUNITY SUPPORT HELPLINE:
” When someone calls us to inquire about social security benefits, the helpline staff is able to provide them with resources. They also refer them to our financial specialist who is able to take a deeper dive and provide additional resources for them to seek. We have the social security guideline information in our database.”
Excellent Guidance provided Regarding Social Security / Medicare:
Basics of SSDI, by Robin Martinez:
If you have been contributing to the Social Security long enough and recently enough, if your disability makes it impossible for you to work, and if the disability looks like it will last for a year or longer, you can qualify for Social Security Disability. Your doctor will have to write a statement describing your disability for Social Security.
- No matter how young you are, SSDI pays full benefits – the full amount you would receive if you had reached full retirement age.
- When you reach full retirement age, your benefits continue as normal Social Security retirement benefits.
- If it’s possible for you to work part-time, you can do that to supplement your income up to the limit Social Security sets. (The limit changes each year.)
- There is a waiting period of five full months between your last day of work and your first monthly SSDI check. Ideally, your employer or your state will provide some kind of short-term disability payments during this time.
- After you receive SSDI for 24 months, you will be eligible for Medicare regardless of your age.
- Normally COBRA health insurance lasts only 18 months. Future SSDI recipients who ask promptly for an extension will receive it automatically – but you must ask. You’ll need to have COBRA or find private health insurance to cover the 30-month waiting period for Medicare.
- You can return to work any time you feel able to. Just let SSDI know. There is a trial period to make sure you can handle working again.
If you have not worked long enough to qualify for SSDI, and if your assets are low, you might qualify for Supplemental Security Income instead. SSI provides immediate eligibility for Medicaid. You can return to work if you feel able; just let SSI know.
The Social Security Administration has the official word. There are answers to just about any question a person has. It’s actually pretty understandable, but it’s very spread out over page after page of specific answers for specific situations.
Reputable information providers like DisabiitySecrets.com provides guidance as well.