• diagnosed at 49,2yrs later I'm on medicaire recieve a ck from longterm dis ins & ssdi..At 65 will I lose disab supp,be on retirementnly?

    Asked by Kitsaplakegirl on Saturday, November 10, 2012

    diagnosed at 49,2yrs later I'm on medicaire recieve a ck from longterm dis ins & ssdi..At 65 will I lose disab supp,be on retirementnly?

    12 Answers from the Community

    12 answers
    • nancyjac's Avatar
      nancyjac

      I'm not sure what you are asking. I don't understand why you are on Medicare at age 51 or why turning 65 would affect your disability supplement. Medicare is medical insurance, disability insurance is for being unable to work due to illness or injury. You SSDI could be affected if and when you collect Social Security but that is your choice as to when you decide to start payments (for most people that is anywhere from age 62-70).

      over 4 years ago
    • greensmythe's Avatar
      greensmythe

      I am just guessing but you are probably on Medicare because you were accepted on Social Security disability and 24 months later were eligible for Medicare. I have been on Social Security disability since I turned fifty for another condition and became eligible for Medicare at 52. I do not receive nor have I ever tried to apply for the other programs. In 2007, I was dxd with a menigioma in my left occipital lobe ( brain) which was benign- last Wednesday I underwent a lung biopsy and so far know very little except what was read to me over the phone by my family doc-non small cell lung neoplasm- my first appt for this is 8am tomorrow.

      But, in answer to your question you will not lose social security disability income since it is a federal program and you will not lose medicare either.

      over 4 years ago
    • geekling's Avatar
      geekling

      Instead of worrying about a far flung future, consider yourself sort of lucky.

      I was turned down cold for disability despite my ailments, one of which was quite similar to yours, and struggle along despite having been unable to work since I went through the treatment and some other unpleasantness that came along with it.

      I was completely unable to afford insurance for 3 years , am now, due to age, on Medicare, and unable to afford my co-pays. I can't go on any of the HMO plans because my particular current woes require what the HMOs consider experimental treats and I don't have the energy to fight with them.

      You ought to speak to your disability lawyer but I am pretty sure your check will not ever go down during your lifetime no matter which arm of government supplies it. That is the long and short of your concern, is it not?

      over 4 years ago
    • princess123's Avatar
      princess123

      I know everyone gets turned down the first time and has to go back and fight for it. My friend told me last night about one of her friends who is now getting disability because she to so heavy she can no longer walk any distance. I just don't understand how that is more important. I was turned down for it.

      over 4 years ago
    • Carol-Charlie's Avatar
      Carol-Charlie (Best Answer!)

      If you're on dis. ins. from a former employer... I believe that is meant to carry you to 65 (or if luckly, the current retirement age) but then SSDI is supposed to take over your needs. At 62 I applied for SSDI insurance. I was granted early retirement which was at a much lower level dollar value due to 'early' retirement. I was later diagnosed with Stage IV Ovarian Cancer.. The SSDI immediately accepted my disability claim, raised the amount to what I would have received at full age retirement. I would contact your longterm dissability insurance provider and them to explain what your coverage will provide you. Good luck and God Bless.

      over 4 years ago
    • Russ' Avatar
      Russ

      I was diagnosed with pancreatic cancer in Oct 2000 at the age of 56. They operated on me on Nov 3rd 2000. I went on a leave of absence from my job and returned 6 months later. I worked for a year and in July of 2002 I went on LOA again, and applied for SS Disability, and "was not" turned down the first time. When I applied at my local SS office I brought all of my medical records, a couple of letters from my doctors stating that I was physically unable to work. I was approved within 90 days. After 2 years of collecting SSDI you then qualify automatically for Medicare B regardless of your age, (below 65). When you hit retirement age, whatever it may be for you at that time, your SSDI is automatically converted to retirement SS which is probably going to be the same amount that you were already receiving. It was for me. I cannot over state the need for you to go the SS Office with as much medical data, letters from the doctors, and every question answered on the forms they give you. Ihad no problem whatsoever.
      Good Luck,
      Russ

      over 4 years ago
    • LuvinSis' Avatar
      LuvinSis

      Most employer sponsored Long Term Disability policies end at your Social Security Normal Retirement Age (SSNRA). You can find yours at www.ssa.gov. In my case I am 46, went out of work at 42, and my LTD will end at age 66. At the same time my SSDI automatically becomes SS Retirement. Every LTD policy is different so make sure you have a copy of your exact policy to see what the maximum claim duration is.

      Keep in mind most LTD policies pay you for the first 24 mo based on if you being unable to perform your own occupation. After 24 months they evaluate your claim based on if you can do Any Occupation for which you are able, trained, etc. Again, every LTD policy is different. Your policy may have 36 mo before they evaluate under "any occ" or may not ever have a chance to "any occ".

      I have some good tips for you in regard to LTD if you want more information, The best starting point is to make sure you have a copy of the EXACT LTD plan under which you are covered. Plans can change yearly so you want THE one in effect when you first went out of work. Please let me know if I can assist in any way. I have extensive experience in the field of group and individual disability.

      (I participate in WhatNext as the sister of a person with Lung Cancer)

      over 4 years ago
    • LuvinSis' Avatar
      LuvinSis

      I should add, employer LTD is offset (deducted) by what you get from SSDI.

      So if your employer LTD monthly benefit is supposed to be $3800/mo, and SSDI is awarded at $1800/mo, then you will actually get $2000/mo from LTD and $1800/mo from SSDI for a total of $3800/mo. The helpful part is that in the majority of cases LTD only offsets your initial SSDI award. Meaning $1800/mo will be the amount offset from LTD even if we are granted COLA (cost of living increases). So if in 10 yr, with COLAs, your SSDI benefit is $1968/mo, LTD will still pay you $3800 - $1800 = $2000.....And you'll get $1968/mo SSDI. So now your total income is $2000 LTD + $1968/mo LTD = $3968/mo.

      Check your LTD policy for it's exact handling of SSDI COLA.

      AND, if you first became disabled at 49 and we're immediately unable to work, then SSDI may have been awarded 24 mo later. For example, I went out of work 4/2009, had STD/LTD, and LTD required I apply for SSDI. Since I last worked 4/2009 my 5 full month SSDI waiting period was May, June, July, Aug, & Sept. Thus eligible for SSDI 10/2009. I had applied via attorney for SSDI, was denied, attorney filed for reconsideration, denied, attorney filed for ALJ and I was awarded in 2/2012 retro to 10/2009. Thus I was eligible for Medicare retro to 10/2011. My employer mandates anyone eligible for Medicare must be removed from employer health plan, which I was. I was placed on the employer sponsored Medicare plan.

      over 4 years ago
    • LuvinSis' Avatar
      LuvinSis

      Sorry, should say SSDI may be awarded as soon as 6 mo after you stop working due to disability, but for me the process took close to 24 mo.

      over 4 years ago
    • Gooseberry's Avatar
      Gooseberry

      I just had phone call with Social Security about this question, as I am applying for SSDI. I was told that SSDI will, in my case, pay more than early Social Security retirement (I am 64), and that when I reach 66 (my SS retirement age), I will continue receiving approximately that same amount (presumably in my case SSDI and full retirement are about the same) but that the payments will come out of a different pot. I was assured that the my income would not decrease at 66.

      over 4 years ago
    • LuvinSis' Avatar
      LuvinSis

      Gooseberry : Your SSDI becomes your SS Retirement at the equal amount

      over 4 years ago
    • LuvinSis' Avatar
      LuvinSis

      In regard to employer LTD, most end at SSNRA (Social Security Normal Retirement Age). You can check your SSNRA on ssa.gov & confirm in your LTD policy. Many LTD insurers include the max age benefits end in letters to you. Keep everything.

      For anyone born after 1960 the SSNRA is age 67.

      Once your SSDI becomes SS Retirement you can earn any amount of income and it doesn't affect SS Retirement amount.

      Please keep in mind most LTD plans pay for the first 2-3 yr based on your inability to do your own occupation. After that you must be unable to do any Occupation. LTD will review your claim closely anytime you medically improve, whereas SS does not review as deeply.

      over 4 years ago

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