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by: albert.tobega
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How long will it take before you are covered for Medicare?
Most people who are already receiving Social Security disability benefits will receive Medicare coverage automatically. Information about your Medicare benefits and your Medicare card will be sent to you shortly before you reach the age of 65 or before your 24th month of disability. If you do not currently receive Medicare benefits however, you may not be enrolled in the program automatically. You will then have to arrange for an appointment with the Social Security Administration. Upon receiving your application, the Social Security office will decide whether or not you are eligible for the program.
What if I lack one or more credits for disability insurance?
The Social Security Disability Insurance program requires applicants to have a certain number of credits that they have earned during a certain period, as well as a certain amount in earnings ten years before being disabled. A credit is equivalent to a quarter of the calendar year. According to Social Security regulations, you should have earned a specified amount in dollars during a quarter. In order to qualify for Social Security Disability Insurance benefits, you should have accumulated credits for 20 quarters or more...which is equivalent to five years...during the last 40 quarters or ten years before you became disabled.
Working while you have a Social Security claim pending
A common misconception that many people have is that they cannot apply for Social Security disability benefits while they are working. The truth is, you are allowed to file a disability claim and receive benefits while you are presently working. Keep in mind however that your monthly income cannot be higher than your SGA or substantial gainful activity amount, which is $900.00. The reason behind this restriction is that the Social Security Administration assumes that if you are able to work and earn more than the SGA, you are not legally considered disabled.
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