Medicare Coverage for People with Disabilities Who Work

Medicare’s right to work for people with disabilities is divided into three different time frames. The first is the trial period, which extends to 9 months after a disabled person has received a job. The second is the seven years and nine months (i.e. 93 months) after the end of the trial period. Finally, there is an unlimited time after those 93 month period (see the bylaws at 42 USC. § 422 (c), also the decree at 20 C.F.R., § 404.1592). Bear in mind that Medicare entitlements during these periods only apply if the person continues to meet the medical standard, which is considered disabled according to social security regulations. Get a supplement plan here

Trial Work Period (TWP)

A person receiving a social security disability pension is entitled to an additional 9-month “trial” for a rolling period of 5 years. To qualify, an individual must earn at least a gross salary of $ 770 in 2014 or work independently for more than 80 hours. The 9 months of the trial period do not necessarily happen. During the trial period, the person performing such work cannot be excluded from obstruction and the use of social security and health care benefits. Independent evidence that the person is no longer disabled can end the benefits during the trial period. At the end of the nine-month trial period, work done during that time can be taken into account to determine if the person is no longer disabled and, therefore, not eligible for Medicare benefits and Social Security income.

Extended Period of Eligibility (EPE)

Persons who are still disabled but have a work income that exceeds or meets the level of substantial gainful activity may continue to receive Medicare health insurance upon successful completion of a trial period. The level of significant acquisition activity for 2014 is $ 1070 per month or $ 1,800 for the blind. This new funding period can last up to 93 months after the end of the trial work time, a total of 8 and a half years, including the 9-month trial work time. While the beneficiary does not pay any SSDI cash benefits during this time, it does not pay a premium for the Medicare health insurance part (part A). The premiums are due to the complementary part of the health insurance (Part B). Should the person’s employer have more than 100 employees, he or she must offer health insurance to people and spouses with disabilities, and Medicare becomes the second payer. For smaller employers who offer disability health insurance, Medicare remains the primary payer.

Unlimited access to Medicare:

After the 8 and a half years of extended Medicare coverage has elapsed, people with disabilities who cannot work may continue to receive benefits while they have medical disabilities. At that time, the person under 65 must pay the Part A premium and the Part B premium. The amount of the premium for Part A depends on the number of work quarters in which the person or his/her spouse have contributed to social security.