Saturday, May 14, 2022

Can You Apply For Medicare At The Social Security Office

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How to Apply for Social Security Benefits

If you qualify for SSDI, youll typically qualify for premium-free Medicare Part A based on your work record. Part B requires a monthly premium , automatically deducted from your Social Security check. You can technically opt out of Part B if you dont want to pay the premiums. Just know that without Part B, youll forego extensive medical coverage. Its usually not a good idea to opt out of Part B unless you have other health insurancelike from an employer.

How Do I Enroll In Medicare

Administration at 1-800-772-1213 to enroll in Medicare or to ask questions about whether you are eligible. You can also visit their web site at www.socialsecurity.gov.

The Medicare.gov Web site also has a tool to help you determine if you are eligibile for Medicare and when you can enroll. It is called the Medicare Eligibility Tool.

How Do I Enroll In Medicare If I Am Receiving Social Security

If you are getting Social Security benefits at least four months before you turn 65, you generally do not need to enroll in Medicare. You will automatically get Medicare Part A and Part B starting the first day of the month you turn 65. If your birthday is the first of the month, your Medicare benefits will start the first day of the prior month. If you decided you want Medicare Advantage, Medicare Supplement, or Medicare Part D prescription drug coverage, you must enroll separately.

If you are getting Social Security because you have a disability, you will automatically get Medicare Part A and Part B after you have been getting disability benefits from Social Security for 24 months. However, owever, Medicare treats some conditions differently from others. If you have ALS you automatically get Medicare Part A and Part B the month your Social Security disability benefits begin. If you enroll in Medicare because you have ESRD and youre on dialysis, Medicare coverage generally starts on the first day of the fourth month of your dialysis treatments. Like with ALS, there is no two-year waiting period to enroll in Medicare.

You also can apply for Social Security and Medicare at the same time through the Social Security Official Website.

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I Want To Sign Up For Only Part A Or Both Part A & Part B

Once youre eligible to sign up for Medicare , you have 2 options:

  • Sign up to get only Medicare coverage.
  • Apply to start getting benefits from Social Security . Once youre approved to start getting benefits, youll automatically get Part A coverage. Youll choose if you want Part B coverage when you apply for benefits.
  • Once you sign up , youll get a welcome package with your Medicare card.

    How To Apply Online For Just Medicare

    Social Security

    If you are within three months of turning age 65 or older and not ready to start your monthly Social Security benefits yet, you can use our online retirement application to sign up just for Medicare and wait to apply for your retirement or spouses benefits later. It takes less than 10 minutes, and there are no forms to sign and usually no documentation is required.

    To find out what documents and information you need to apply, go to the .

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    When To Sign Up For Medicare Part B

    If youre retiring, the best time to enroll in Part B is during your Initial Enrollment Period. For those still working past 65, check with your health administrators whether your employer coverage is creditable.

    If it is, you can enroll in Part B when you retire or leave your group health plan. Youll be eligible for a Special Enrollment Period when you can enroll without any penalties. If your group health plan is not considered creditable coverage, then you should register for Part B during your Initial Enrollment Period.

    If you missed your Initial Enrollment Period, the next enrollment window you can enroll in Part A and Part B is the General Enrollment Period.

    What Are The Two Enrollment Methods

    Automatic Enrollment

    If youre already getting Social Security or Railroad Retirement Board benefits, you dont need to enroll in Medicare. Youll automatically get Original Medicare as of the first day of the month you turn 65.

    Those who are automatically enrolled will receive a Welcome to Medicare packet, which will include your Medicare card, three months before turning 65.

    If you want a Medicare Supplement Insurance policy.

    If you decide you dont want Part B, you must return the Medicare card. If you keep the card, you keep Part B coverage and you will be charged the monthly premium.

    Note that if you live in Puerto Rico, you will only receive Medicare Part A automatically. You need to call Social Security at 772-1213 or TTY 325-0778 to apply for Part B if you want it.

    Manual Enrollment

    You will not get Medicare automatically if you are not already receiving benefits from Social Security or the Railroad Retirement Board, even if youre close to age 65. You need to apply for Part A and Part B if you want them using one of the methods mentioned here, even if youre eligible for premium-free Part A.

    The government expects you to know when to enroll. Be sure to apply for Part B during your Initial Enrollment Period unless you have current employment-based insurance coverage elsewhere. If you dont apply and sign up later, you will have to pay a Part B late enrollment penalty for as long as youre enrolled in Part B.

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    You Automatically Get Medicare When You Turn 65

    • Well mail you a welcome package with your Medicare card 3 months before your Medicare coverage starts.

    Sign up for Part B if you live in Puerto Rico or outside the U.S.You get Part A automatically. If you want Part B, you need to sign up for it. If you dont sign up for Part B within 3 months of turning 65, you might have to wait to sign up and pay a monthly late enrollment penalty.

    Medicare Premiums And Social Security

    Social Security Office Tips

    For most people, your Medicare Part B premium will come right out of your Social Security check. If youâre new to Medicare, Social Security will send you a notice about when those deductions will start.

    If you arenât getting benefits from Social Security, the Office of Personnel Management, or the Railroad Retirement Board when you sign up for Medicare, youâll get a monthly bill for your Part B premium.

    In 2020, the Part B premium is $144.60. Keep in mind that the Part B premium is based on income, so while most people will pay $144.60, some people will pay more.

    If you make more than $87,000 by yourself or $174,000 as a couple, your monthly premium will be higher than that. You can check out the Income-Related Monthly Adjustment Amount chart here: Medicare Costs

    Fun Fact: In 2020, about 65 million Americans will receive over one trillion dollars in Social Security benefits.

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    The Basics About Disability Benefits

    The SSDI program pays benefits to you and certain if you are insured. This means that you worked long enough and recently enough and paid Social Security taxes on your earnings. The program pays benefits to adults and children with disabilities who have limited income and resources.

    While these two programs are different, the medical requirements are the same. If you meet the non-medical requirements, monthly benefits are paid if you have a medical condition expected to last at least one year or result in death.

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    Ssdi And Automatic Medicare Enrollment

    Medicare is available to people under age 65 with disabilities, and it might be more common than you think. About 16% of individuals with Medicare coverage are actually under age 65 .

    Those who have been diagnosed with amyotrophic lateral sclerosis, also called ALS or Lou Gehrigâs disease, are automatically enrolled in Medicare regardless of age.

    Also, those who have been diagnosed with End-Stage Renal Disease can get Medicare no matter how old they are if they meet a few eligibility criteria.

    But the most common way to qualify for Medicare coverage under age 65 is if you have received Social Security Disability checks or Railroad Retirement Benefits because of a disability for 24 months .

    If thatâs you, Medicare will automatically enroll you in Parts A and B. That automatic enrollment takes effect in the 25th month.

    The latest data from 2014 breaks down the conditions of those who received SSDI:

    • 34% qualified for Medicare due to mental disorders
    • 28% due to diseases of the musculoskeletal system and connective tissue
    • 4% due to injuries
    • 3% due to cancer
    • 30% due to other diseases and conditions

    You automatically get Medicare Part A and B after 24 months of disability from SSDI or RRB. You donât have to sign up â youâll get the red, white, and blue Medicare card in the mail three months before your 25th-month disability check.

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    How Can I Contact Medicare And Social Security Offices

    The Social Security Administration and the Centers for Medicare & Medicaid Services are both federal agencies in the United States. Social Security is responsible for retirement and disability benefits and Medicare is responsible for health care for Medicare recipients who are 65 and older or are under 65 with qualifying disabilities.

    While both of these agencies are separate, they both work together in many different ways. This means you may not always know which agency to contact for which services.

    This article gives you important information about when and how you should contact Social Security, and when and how you should contact Medicare.

    Reasons to Contact Social SecurityYou should contact the SSA if you need help with any of the following services:

    To check on your eligibility for Medicare benefits.

    To create an account called my Social Security so you can go online to verify your earnings, to get an estimate of your future benefits, or to manage your monthly benefits.

    To get the status of a claim.

    To get a replacement for your Medicare card.

    To report personal changes like your address, name, or phone numbers.

    To sign up for Original Medicare Parts A or B.

    To get an SSA-1020 application form, or to apply directly over the phone for the Extra Help program for your Medicare prescription drug plan.

    To get the address of your local Social Security office.

    To report a death.

    How to Contact the Social Security Administration

    1. Telephone

    2. Online

    What Insurance Do You Get With Social Security Disability

    FREE 9+ Sample Medicare Application Forms in PDF

    In most cases, people receiving Social Security Disability Income are automatically enrolled in Original Medicare after serving a 24-month waiting period.

    The CMS waives this waiting period for people with ALS or end-stage renal disease. People with these conditions receive Medicare coverage as soon as they collect SSDI.

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    How Long Does It Take To Sign Up

    That depends on the method you choose. It can take as little as 10 minutes to sign up online, a month or more by phone or, if you prefer to sign up in person, it will depend on how long it takes to get an appointment.

    • Medicaid number, if applicable, with start and end dates.
    • Start and end dates for group health insurance through your employer.
    • Start and end dates of employment with the employer providing your group health plan.

    Once your account is set up, you can start the Medicare application process here. Its unlikely that youll need to sign anything physically.

    When youre finished applying online, youll get a confirmation number. Keep it handy and use it to check the status of your application through your My Social Security account. Social Security will let you know if more information is needed.4

    How Does Medicare Get Confused With Social Security

    But some of the confusion stems from the fact that the Social Security Administration is responsible for determining eligibility for Medicare and handling many of the programs administrative functions, including enrollment. The SSA also handles the administration of Social Security benefits.

    Since eligibility for both Medicare and Social Security benefits are managed by the SSA, people who begin receiving Social Security retiree benefits prior to age 65 will be automatically enrolled in Medicare once they turn 65.

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    Medicare And Social Security: How They Work Together

    If youâre getting ready to age into Medicare, you or your spouse has probably spent decades paying Social Security and Medicare taxes. Retirees, the disabled, survivors of workers who have died, and dependents of beneficiaries use that tax money.

    Medicare and Social Security Tax Chart

    Social Security is meant to replace some of your earnings when you retire, become disabled, or die. Medicare is our countryâs basic health insurance program for people 65+ and many people with disabilities.

    Both programs typically provide valuable benefits to individuals around age 65, but they are programs. So, how do they work together?

    Is It Time To Cut Social Security And Medicare Spending

    Can you work if you are receiving Social Security Disability benefits?

    Not even the most fiscally conservative Republicans believe there is an urgency to impose deep spending cuts.

    The last few years have been something of a golden age for government spending.

    Since the start of the pandemic, both the Trump and Biden administrations have passed massive stimulus bills. Congress is currently negotiating even more spending, in the form of a pair of large infrastructure measures.

    Meanwhile, there isnt much vocal pushback against that spending. It wasnt a major issue in the 2020 election, and the Republicans in Congress have not made spending concerns a major part of their messaging, which has traditionally been the case during past Democratic presidential administrations.

    However, a recent op-ed did in fact call for cutting of spending, including for Social Security and Medicare.

    Peter Crabb, a professor of finance and economics at Northwest Nazarene University, wrote in a column published by the Idaho Statesman that Congress must consider cuts in Medicare and Social Security.

    The bigger question no one wants to talk about is how much the government is spending and how it goes about raising taxes. This question has more serious implications for our economic well-being, Crabb wrote.

    Crabb went on to cite an economic theory called the Barro-Ricardo Equivalence, also known as the Ricardian Equivalence.

    The Ricardian Equivalence is far from a broadly accepted economic theory.

    Image: Reuters

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    Documents You Need To Apply For Medicare

    To begin the application process, youll need to ensure you have the following documentation to prove identity:

    • A copy of your birth certificate
    • Your drivers license or state I.D. card
    • Proof of U.S. citizenship or proof of legal residency

    You may need additional documents as well. Make sure to have on hand:

    • Your Social Security card
    • W-2 forms if still active in employment
    • Military discharge documents if you previously served in the U.S. military before 1968
    • Information about current health insurance types and coverage dates

    If you are already enrolled in Part A and have chosen to delay enrollment in Part B, you will need to complete additional forms .

  • 40B form: This form allows you to apply for enrollment into Part B only. The 40B form must be included in your online application or mailed directly to the Social Security office.
  • L564 form: Your employer must complete this form if you delayed Part B due to creditable group coverage through a said employer. The completed L564 form also must be included in your online application or mailed directly to the Social Security office.
  • Which Statesuse Their Own Criteria For Granting Medicaid

    Theremaining states do not automatically grant Medicaid to persons withdisabilities who qualify for SSI because they use their own criteria fordetermining whether someone is eligible for Medicaid. These states may haveincome limits that are higher or lower than SSIs, different asset limits, ordifferent requirements for what makes someone disabled.

    Inmost of these states, however, the income limitsfor Medicaid arent too different from the income limit for SSI . And many of them use thesame resource limit as SSI program, although several have a lower assetlimit than SSI , and a couple states have a higher asset limit .

    These states are called 209 states, named after a sectionof the legislation that created the SSI program in 1972. This legislationprohibited states from making their Medicaid eligibility criteria stricter thanthe criteria the states were using in 1972. In these states, you must apply forMedicaid with your states Medicaid agency or health and human services department.

    The 209 states are:

    Virginia

    Note that Indiana ceased being a 209 state in 2014.

    Even though some 209 states have lower income limits than theSSI program, these states have to let Medicaid applicants deduct their medicalexpenses from their income when their eligibility for Medicaid is beingdetermined. This is called spending-down. This means that SSIrecipients with high medical bills will qualify for Medicaid in these states.

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    Consider The Following When Selecting Medigap Or Medicare Advantage Plans

    Medigap and Medicare Advantage plans may provide coverage tailored to specific health care requirements. If youre unsure which type of coverage is ideal for you, the following are some factors to consider:

    Frequent Travel Plans

    If you want to travel extensively during your retirement, keep in mind your plans restrictions on where you can receive medical care in the event of an emergency. Medicare Advantage companies will limit members access to providers who are also members of its network. This may make obtaining health care services more difficult if you are traveling.

    Medigap is not subject to these restrictions. Members of Medigap plans are not restricted to certain doctors or facilities as long as both accept all Medicare enrollees.

    Preferences for Service Providers

    Due to the fact that Medicare Advantage plans operate similarly to PPOs and HMOs, members are obliged to see specialists or physicians within their network. Medigap policies are accepted everywhere Medicare is accepted. As a result, members may consult with any physician of their choice.

    Prescription Drugs

    Medicare Advantage programs cover the entire cost of prescription drugs for their subscribers at no additional expense. Members with Medigap plans do not receive automatic prescription medication coverage. Members of Medigap must enroll in supplemental Plan D to receive this coverage.

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