Disability affects a person’s life activities. Given that it is a continuing condition which restricts a person’s mental, sensory, or mobility functions, it can make it more traumatizing. It may come in several forms and at different ages. However, not every condition qualifies to receive Medicare.
Medicare disability requires approval from the government. The Medicare program is tailor-made to benefit aged individuals over 65 years who receive Social Security Disability Insurance (SSDI) benefits. The approval enables them to file an uninsured Medicare claim whereby the state pays their medical premiums.
Every year, there are millions of people applying for Social Security Disability benefits. However, only 30% of the applications get approval. In answering questions on how to qualify for Medicare Disability, it takes time for the Social Security Administration to determine whether or not a certain medical condition is disabling.
The amount of benefits varies. Sometimes the amount may be higher or lower than the $1,063.00 per month captioned in 2008. This is for those eligible for SSDI, while the average SSI benefit stands at $439 per month. One could qualify for the two benefits, though it is highly dependent on their household income as well as the number of people in the household.
The basics of Medicare are usually in three parts. Medicare Part A takes care of inpatient hospital stays or a skilled nursing facility. It is free for a majority of retirees and SSDI beneficiaries. Medicare Part B, which is a fee-for-service medical insurance, covers doctor services. Part C accommodates every benefit and service offered in Parts A and B.
Part D, which is optional, is mainly for covering prescription drugs. Contrarily to the fact that it is optional, it attracts a penalty if declined at first and perhaps becomes necessary later on.
Despite the date of Social Security Disability entitlement for the Medicare benefits, it is until after two years that they start coming in. Sometimes waiting for two years may sound unrealistic, especially to those who may not afford medical expenses during that period. Well, there is an option for Medicaid, but the local human services agency must determine whether or not it is a worthy option.
Why does the Social Security Administration deny disability claims?
As earlier stated, the Social Security Administration will not just approve any disability claim presented to them. Nonetheless, the reasons for denial vary. According to the New York Times, the Administration has been making it harder by the day.
All the same, below are some of the common reasons for denial:
- Prior denials
- Failure to cooperate during the application process. For example, failure to attend to a scheduled medical exam is reason enough to have the claim denied
- The ability to work despite the presence of a disabling condition
- Lack of substantial medical evidence to prove your condition. It strongly recommended that you openly and truthfully discuss with your physician how the disability is impacting your work life
- Failure to follow the prescribed treatment
Despite the reason for denial, it is worth noting that you can appeal the process through a Social Security Disability attorney.
Disability of one family member puts everyone to task. It may sound obvious to have a daily to-do list with many responsibilities. Nevertheless, there are usually no boundaries of who should carry out what task. This can be overwhelming, but according to momfuse.com, it is necessary to make time for family.
While everyone expects to live a normal life, adjusting to life with a disability can be frustrating. It feels like a tragedy and, more often than not, the condition tends to invoke a range of upsetting emotions. Nonetheless, it is still possible to find new goals and have control of your life.
The understanding that you cannot go back to a healthier lifestyle helps quell your fears. In any case, millions of people have traveled the same roads. If you have to mourn before accepting your disability, then you can do that but do not suppress the pain or the condition. You must accept the reality if you have to be in line with your plans.