My Disability Blog: Social Security Disability, Cobra, and Medicare Eligibility
The following question was submitted recently in a comment: “On Social Security disability my cobra has been canceled and I am not Medicare age yet will I become eligible for Medicare?” If you are receiving Social Security disability benefits, you will become eligible for Medicare insurance benefits two years after the month you became entitled to your monthly disability benefits. You will be eligible for Medicare part A and B, as well as, part C and D at that time. Medicare part A is free, while part B, C, and D are pay insurance coverage. Medicare coverage can be difficult to understand, if you do not understand your Medicare benefits call 1-800-Medicare. They can provide assistance or refer you to other agencies that can help you chose the right Medicare coverage for you. Additional information on Social Security Disability at www.ssdrc.com Return to the Social Security Disability SSI Benefits Blog
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Video: Continued Medicare Eligibility and Work Incentives
Income at Risk: Unemployment Rates Rise Sharply for People with Disabilities, Allsup Finds
The Allsup Disability Research: Cash flow at Danger reveals that 737,468 men and women with disabilities applied for SSDI throughout the 3rd quarter of 2011, down 3 percent from the preceding quarter. Yr-to-date, almost 2.22 million folks have submitted disability promises, in contrast with nearly two.23 million applicants by the exact same time final yr. Because the fourth quarter of 2007, when the economic downturn started, more than 10.8 million folks have applied for SSDI. Virtually 1.8 million SSDI statements are pending with an average cumulative wait time of much more than 800 days, based mostly on Allsup’s evaluation of the Social Protection disability backlog.
Source: be-a-sugar-baby.com
Medicare Drug Get advantages Gaining Thousands and thousands Of Enrollees
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The Federal MediCare Insurance policy Rewards
Custodial nursing house care Most outpatient prescription drugs Routine bodily examinations Routine eye examinations and eyeglasses Hearing examinations and listening to aids Routine dental providers Routine foot care and orthopedic footwear Most immunizations Personalized convenience things Cosmetic surgical procedure
Source: householdsensors.org
Raising Medicare Eligibility Age to 67 is a huge, indirect Cut to Social Security
WASHINGTON, D.C. Nov. 3, 2011 – On Tuesday, Erskine Bowles, co-chair of the president’s deficit commission recommended that the Super committee raise Medicare’s earliest age of eligibility to 67. If Congress were to follow this advice, out-of-pocket health care costs’ could consume as much as 45 percent of the Social Security checks of 65 and 66 year olds, according to a new analysis which builds on a Kaiser Family Foundation report. According to that report, 3.3 million people aged 65 and 66 would pay more out-of-pocket for health care if they were no longer eligible for Medicare. “Erskine Bowles is proposing to take billions of dollars right out of the pockets of the nation’s seniors and their families and billions more out of local communities,” said Eric Kingson, co-chair of the Strengthen Social Security Campaign. “Americans overwhelmingly disagree with cuts to Social Security, Medicare and Medicaid. They know that these programs didn’t cause the deficit and they are sick of the 99 percent being asked to pay for the failures of the one percent. The 99 percent cannot afford these cuts, neither can the communities where they live.” Existing Social Security beneficiaries, aged 67 and older would also see their out-of-pocket health care costs increase, and consequently, their Social Security benefits reduced because on average, the healthiest, least expensive members of the Medicare risk pool, those aged 65 and 66, would be removed. It is estimated that Part B premiums, which are automatically deducted from Social Security checks, would increase by 3 percent in 2014 on top of increases produced by rapidly rising health care costs. “The so-called Super committee appears unwilling to force the 1 percent to sacrifice even a small amount. In contrast, both Democratic and Republican members of the Super committee have proposed tremendous sacrifices by the 99 percent, including by seniors who have spent their lifetimes, often in physically demanding jobs, contributing to our country. Both the Democrats and Republicans have offered plans which reportedly cut Social Security and increase the out-fo-pocket health care costs of seniors, people with disabilities and others who depend on Social Security and Medicare. If they decide to follow the advice of Wall Street multi-millionaire Erskine Bowles, and increase Medicare’s eligibility age to 67, they will shift costs to those least able to afford it – the sickest and the oldest among us,” said Nancy Altman, co-director of Social Security Works. “At a time when the 99 percent are already struggling, the Super committee seems poised to compound their hardship.” Costs to Social Security beneficiaries could also be substantially higher than estimated. The Kaiser Family Foundation report assumes the health insurance exchanges and subsidies enacted under the 2010 Patient Protection and Affordable Care Act (ACA) will be fully implemented by 2014. If any or all of four key provisions of the ACA are scaled back or repealed the increase in out-of-pocket health care costs due to raising the Medicare eligibility age would be significantly higher and consume a much greater proportion of Social Security benefits. Below are specific dollar amounts seniors would lose through Medicare cuts: · Out-of-pocket health care costs would increase, on average, by $4,300 in 2014 for 960,000 people aged 65 and 66 who purchase coverage through a health insurance exchange and have incomes exceeding 400 percent of the federal poverty level ($43,560), making them ineligible for subsidies available to exchange participants with lower incomes. · Out-of-pocket costs would increase, on average, by $1,200 for 240,000 people aged 65 and 66 who purchase coverage through a health insurance exchange and have incomes between 300 and 400 percent of the federal poverty level ($32,670-$43,560). · Out-of-pocket costs would increase, on average, by $2,200 for 1.1 million retirees with employer-sponsored retiree health plans if the increased cost to employers did not cause them to terminate these plans. · Out-of-pocket costs would increase, on average, by $500 for 1 million retirees with employer-sponsored health plans if the increased cost to employers did not cause them to terminate these plans. The Strengthen Social Security Campaign is comprised of more than 320 national and state organizations representing more than 50 million Americans from many of the nation’s leading aging, labor, disability, women’s, children, consumer, civil rights and equality organizations. www.strengthensocialsecurity.org
Source: yubanet.com
Medicaid: Health Care Insurance Program for Senior Citizens1
These rules and regulations will still vary depending on your state or the eligibility group you belong in. There are also special rules for senior citizens who are currently living in nursing homes and for parents who have children with disabilities who are living at home. For senior citizens who have a limited source of income, they may still be qualified to have financial support from Medicaid. You can always ask help from a qualified caseworker in your area to help you complete the application process. Again, depending on the policies and the rules of your state, you may still be liable to pay for a small portion of the total of your medical expenses, but in most cases, Medicaid helps pay for most of these, including the payments for nursing home care.
Source: 1800homecare.com
Medicare Drug Get advantages Gaining Tens of millions Of Enrollees
By: In step with a recent file from the Division of Well being and Human Services and products (HHS), Medicare’s new prescription drug benefit now covers 25 million American citizens, with an ordinary of 250,000 new enrollees being added every week. In a promising sign of the program’s enlargement, HHS’ progress file showed that the number of beneficiaries rose greater than 2.6 million in a month. “It is important for seniors and folks living with disabilities to be mindful their choices with Medicare’s new prescription drug receive advantages,” stated Senator Bob Dole, former presidential candidate, who’s best an ongoing, nationwide tour to advertise the new drug receive advantages to seniors. “Any person eligible for Medicare in need of dependable drug coverage can join a Medicare-approved plan and potentially store a significant sum of money on their medications.” HHS says there are advantages to enrolling in a Medicare drug plan at first of any given month. Consistent with HHS, signing up early within the month manner enrollees will most likely have their prescriptions crammed directly and lets them get the best worth out in their drug protection from the primary day it goes into effect. More importantly, any person who desires to benefit from the convenience this yr must join via May 15, 2006-the final day of 2006′s open enrollment period. Seniors who have Medicare’s new prescription drug coverage are experiencing decrease costs and are spending much less on their medications than ever before. So as to maximize savings, seniors must examine the new Medicare options with their current coverage to decide which choice is best possible for them. Eligible seniors and other folks with disabilities may wish to discuss with family members to assist them take note the brand new benefit. Advocacy companies representing greater than eight million Americans are aiding Dole’s speaking tour. Any person recently enrolled in or eligible for the brand new receive advantages can log on to Dole’s Internet web page that is up to date often with important knowledge for seniors and their households If you want extra knowledge with respect to medicare part a, stop by Julissa Q Budnick’s internet site right away. Article Courtesy of Article Submission Directories
Source: articlestoeditors.com
Learn About Social Security Disability Requirements
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Medicare Open Enrollment and Eligibility
Consumers who discontinue a Medicare Advantage plan within one year of acceptance can purchase a supplemental policy. Due to the complexity of Advantage plans, government mandates allow consumers one year to opt out and return to traditional Medicare and Medigap coverage. If the insured has participated in the coverage for longer than a year, then medical underwriting may be necessary for plan purchase.
Source: ohioinsureplan.com
Democrats and Republicans on the debt panel have had a long-standing impasse over the GOP’s refusal to accept tax increases and Democrats’ insistence against cutting entitlement programs. The GOP proposal marks the first time Republicans have considered actual tax increases as part of deficit-reduction strategies.
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In late September, Medicare beneficiaries received in the mail the handbook, “Medicare & You,” which contains useful information for seniors wishing to enroll in Medicare or change their coverage. Medicare beneficiaries who are already enrolled in a Medicare Advantage plan should have also received their Annual Notice of Change, a document that explains how their plan’s benefits and costs will change next year. Assess Your Current Needs Take time to accurately and completely determine your current medical requirements. Pay specific attention to any changes that have occurred in the last year. Have any of the medications you take changed? Were you diagnosed with a new medical condition? Have you moved? Any of these changes could impact which plan is best for you. Shop and Compare Information for the 2012 Medicare plans is available online at www.medicare.gov. This begins your opportunity to shop and compare available plans to determine which option is best suited for you. In addition to your health care needs, there are other facts to consider: 
In opting for supplement leads you need to be aware of rules that govern them and their coverage areas. In fact, a Medicare can often be compared to a government program. Depending upon the level of Medicare coverage the rules associated with them can vary a great deal. Their levels of complexities can also vary a lot. It is worthwhile to note that there exist four different levels of Medicare that can come to your rescue albeit in different ways. For example, using type A Medicare can help you pay off hospital bills that you would have incurred during your stay there overnight. The type B Medicare coverage will help you pay doctor’s fees for routine tests and checkups. Type C Medicare coverage can be used optionally. Type D Medicare coverage will be of help in buying prescribed drugs.
The Court then addressed whether the arbitration provision was enforceable or whether the state common law doctrine of unconscionability was preempted by the Medicare Act. The express Medicare preemption statute provides that federal “standards” established under the Medicare Act supersede “any State law or regulation” with respect to MA plans. 42 U.S.C. § 1395w-26(b)(3). Citing Uhm v. Humana, Inc., 630 F.3d 1134 (9th Cir. 2010), the Court determined that the arbitration provision was encompassed by the preemption statute because it constituted marketing materials due to its placement in the Evidence of Coverage and because CMS’ regulations governing marketing materials can be considered “standards” for purposes of the preemption statute. See Opinion, at pp. 9-10. The Court further ruled that Medicare preemption of “any State law or regulation” extends to generally applicable common law, in light of the preemption statute’s legislative history and the Uhm decision. See Opinion, at p. 10. Thus, because the common law doctrine of unconscionability would specifically regulate the MA plan in this case, the Court determined that it was encompassed by the preemption statute. In reaching this decision, the Court noted that allowing a state court to review a Medicare contract and possibly find it unconscionable, despite the fact that CMS approved the same contract as part of its review of a plan’s marketing materials, is an unacceptable result under the Uhm decision. See Opinion, at p. 11. 
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The Wall Street Journal: Romney Proposes Voucher Option For Medicare Plan The Romney Medicare plan could become a hallmark of the presidential campaign of 2012 should he win the Republican nomination. Democrats had already planned to make the Ryan Medicare plan, which they call privatization, a centerpiece of their efforts to unseat Republicans in Congress. Now Mr. Romney has thrust the future of Medicare more directly into the presidential race. Ben LaBolt, a spokesman for the Obama re-election campaign, charged that Mr. Romney’s budget proposal “would leave millions of older Americans to fend for themselves” under a privatized Medicare. Romney campaign aides reject the term “privatization” to describe their approach (Weisman and O’Connor, 11/5).