Social Security/Medicare Guide
Basics of SSDI, by Robin Martinez:
- 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.