- Government Benefit Programs
Unable to continue working? Considering applying for disability benefits? You will not be able to apply for disability until you are no longer working. You have to be able to prove that you will not be able to work again, at least for a very long time. It can take a long time to get approved and many are turned down first time around, so you should apply as soon as you are no longer able to work. You should apply at your local Social Security Administration office for both SSI (Supplemental Security Income) and SSDI (Social Security Disability Insurance) at the same time. SSDI is based on work history and how much you paid in FICA taxes. In case you don't have enough work history, you want to have the ball rolling on SSI which is for people who don't have enough work quarters for their age. It's a good idea to have legal representation to help you through this process. If and when you are finally approved, benefits will be payable from the date you first applied. Contact our office at 1-800/852-3405 or www.nh.gov/disability to help find representation in your area. To learn more about SSDI and SSI and to estimate your benefits: www.ssa.gov and www.disabilitysecrets.com; 1-800-772-1213 V, 1-800-325-0778 TTY.
- SSI (Supplemental Security Income) Pays benefits to disabled adults and children who have limited income and resources. SSI benefits also are payable to people 65 and older without disabilities who meet the financial limits. www.ssa.gov/pgm/links_ssi.htm or www.ssa.gov/pubs/11011.html or www.ssa.gov/pubs/10026.html for children. Find local SSA office https://secure.ssa.gov/apps6z/FOLO/fo001.jsp or call 1/800-772-1213.
- SSDI (Social Security disability insurance) Pays benefits to you and certain family members if you worked long enough and paid Social Security taxes. Your adult child also may qualify for benefits on your earnings record if he or she has a disability that started before age 22. www.ssa.gov/pubs/10029.html Find local SSA office https://secure.ssa.gov/apps6z/FOLO/fo001.jsp
Medicare is health insurance for people age 65 or older, under age 65 with certain disabilities, and any age with End-Stage Renal Disease (ESRD) (permanent kidney failure requiring dialysis or a kidney transplant). The different parts of Medicare help cover specific services if you meet certain conditions. Medicare has the following parts:
- Medicare Part A (Hospital Insurance): Helps cover inpatient care in hospitals, Helps cover skilled nursing facility, hospice, and home health care
- Medicare Part B (Medical Insurance): Helps cover doctors’ services and outpatient care, Helps cover some preventive services to help maintain your health and to keep certain illnesses from getting worse
- Medicare Part C (Medicare Advantage Plans) (like an HMO or PPO): A health coverage choice run by private companies approved by Medicare, Includes Part A, Part B, and usually other coverage including prescription drugs.
- Medicare Part D (Prescription Drug Coverage): Helps cover the cost of prescription drugs, May help lower your prescription drug costs and help protect against higher costs in the future. See below.
Get a free book on Medicare at www.medicare.gov/Publications/Pubs/pdf/10050.pdf.
State Offices www.cms.hhs.gov/apps/contacts/default.asp
Helpful Contacts page www.medicare.gov/Contacts/Include/DataSection/Questions/SearchCriteria.asp
Contact Social Security at 1-800-772-1213 for Medicare enrollment and eligibility
Medicare Service Center: 1-800-MEDICARE (800-633-4227) ; 877-486-2048 TTY
Report Medicare Fraud & Abuse: 800-HHS-TIPS (1-800-447-8477)
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