Social Security Disability & Medicare: Your Questions Answered

social security disability tennesseeWe understand that the Social Security Disability Insurance (SSDI) and Medicare processes can seem intimidating and complicated. You may be wondering about qualifications, conditions or benefits. So, we’ve put together a few frequently asked questions to help ease your fears.

For detailed information about Social Security Disability benefits in Tennessee, check out our SSDI page.

Please feel free to contact the legal team at Rocky McElhaney Law Firm if you have other questions – we’re glad to help.

What is Medicare?

Medicare is a program run by the federal government that provides health insurance for those aged 65 and over. Certain individuals under the age of 65 may also be eligible. The Medicare program is funded by the Social Security and Medicare taxes you pay on income, through Medicare premium payments and through the federal budget.

Do I qualify for Medicare if I’m under the age of 65?

Possibly. Medicare is available for certain people with disabilities under age 65. They must have either:

  • Received Social Security Disability benefits for two years
  • Have End Stage Renal Disease (ESRD)
  • Have Amyotropic Lateral Sclerosis (ALS, also known as Lou Gehrig’s disease)

Can I receive Medicare along with Social Security Disability benefits?

Yes. If you’re already receiving SSDI or other Social Security Disability benefits, you’ll be automatically enrolled in Medicare when you’re eligible. Typically, most Tennesseans become eligible for Medicare after receiving SSDI benefits for two years. People with certain conditions might qualify for benefits right away.

Do I have to pay for Medicare if I’m receiving SSDI?

Yes. Medicare does offer health insurance care if you’re disabled, it isn’t free. Medicare is broken up into different parts, and some require premiums.

  • You must pay Part A if you haven’t worked at least 40 quarters (10 years) of taxed employment.
  • You must pay Part B, which is determined by your income.
  • You must pay Part D, prescription drug coverage.

Am I eligible for a tax credit if I’m on Social Security Disability?

If you receive SSDI benefits, you may qualify for certain tax credits, reducing the amount of taxes you’d owe on taxable income. Tax credits for people with disabilities include the:

  • Child and dependent care credit
  • Credit for the elderly and the disabled
  • Earned income tax credit

If you don’t owe any tax, you can collect the earned income tax credit as a refund.

When applying for Social Security Disability benefits or Medicare, it’s best to work with an experienced attorney to ensure the best chances for a favorable result. The attorneys at the Rocky McElhaney Law Firm works to get you the Social Security Disability benefits you deserve. Call our lawyers today at 615-246-5549 or use our contact form to schedule an appointment. We have offices in Nashville, Hendersonville, and Knoxville, and fight for clients throughout Tennessee.

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