Having good health insurance is one of the best benefits of most any employment opportunity. But what do you do if you become disabled and unable to work? Most employers do not continue to provide healthcare coverage when you are no longer an employee. The lack of insurance makes it hard to go to the doctor and get the treatment you need, let alone obtain medical proof of your disability. In the best case scenario you have seen your doctor while working and have enough evidence to support a finding you are disabled, and if not – you do still have options.
Aside from Social Security Disability Income (SSDI) and Supplemental Security Income (SSI), the Social Security Administration (SSA) offers healthcare benefits in the form of Medicare and Medicaid. These benefits can help with:
- Doctor visit expenses.
- The costs of prescription medication.
- Certain test procedures.
- Preventive screening services.
- Hospital stays and costs.
While some of the disability benefits are tied to your financial need, such as SSI, Medicare is not a financial need based program. If you are receiving SSDI or SSI you likely qualify for Medicare or Medicaid. It is possible there is a waiting period, so if you are able to hang on to the insurance your employer offered while working that is always a good idea. But if this is not an option for you, it might be worth considering buying a private policy or taking advantage of any COBRA plan offered. If these choices might not be financially feasible let us help you figure out what to do to make sure you are getting all the benefits you are entitled to receive. We can help with SSDI and SSI applications, and can also give you guidance on your healthcare options.
If you have questions about how disability benefits impact your healthcare choices, call us today. We can be contacted online or by phone at 855-727-6353.