For many Nebraska residents, being approved for Social Security Disability Insurance (SSDI) is only part of the financial and medical relief they need. Healthcare coverage is equally important. One common question is: Can you combine SSDI benefits with Medicare in Nebraska? The answer is yes—but eligibility depends on specific rules and waiting periods.
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How SSDI and Medicare Work Together
When you qualify for SSDI, you may also gain access to Medicare, the federal health insurance program. However, it does not begin right away.
- Medicare Coverage Start: In most cases, Medicare begins 24 months after your SSDI eligibility date.
- Automatic Enrollment: You are typically enrolled automatically in Medicare Part A (hospital insurance) and Part B (medical insurance) when your waiting period ends.
- Part D Prescription Coverage: You can choose to add Part D for prescription drug coverage.
This means SSDI provides income support while Medicare provides health coverage, working together to support both your financial stability and medical needs.
Exceptions to the Waiting Period
Certain conditions allow Nebraska SSDI recipients to skip the 24-month waiting period:
- Amyotrophic Lateral Sclerosis (ALS): Medicare begins the same month SSDI benefits start.
- End-Stage Renal Disease (ESRD): Medicare can begin sooner, usually after starting dialysis or receiving a kidney transplant.
These exceptions ensure that individuals with severe or urgent medical conditions receive timely care.
Other Health Coverage While Waiting
Because of the 24-month delay, Nebraska SSDI recipients may need other health insurance in the meantime:
- Medicaid (for low-income individuals) – Some applicants may qualify while waiting for Medicare.
- Employer or private insurance – If available, this can provide a bridge until Medicare begins.
- Marketplace insurance – Plans through the Affordable Care Act can also be used temporarily.
How Hogan Smith Can Help You
At Hogan Smith, we guide Nebraska residents through both the SSDI and Medicare process by:
- Explaining when Medicare starts and what coverage you’ll receive
- Helping you determine if you qualify for Medicaid or other coverage while waiting
- Ensuring you don’t miss deadlines to enroll in Medicare Part B or Part D
- Advocating if there are delays or errors in your SSDI or Medicare enrollment
Contact Hogan Smith Today
If you’re receiving SSDI or applying for it in Nebraska, understanding your Medicare eligibility is critical for your health and financial security. Don’t let the rules and waiting periods overwhelm you—our experienced disability team can help. Call Hogan Smith today for a free consultation and let us guide you through the process of combining SSDI and Medicare in Nebraska.
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